Transparent secure electronic credit card transaction...

Details Transparent secure electronic credit card transaction... Transparent secure electronic credit card transaction...

2005-01-11

2005-01-11

Trammell, James P. (Department: 3621)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Secure transaction

C705S064000, C382S100000, C382S182000, C380S044000

Reexamination Certificate

active

06842743

ABSTRACT:
A secure credit card transaction method and system operates when a buyer wishes to purchase goods or services using a computer from a web site that is hosted by a server. The credit card transaction method and system embeds a signature in a credit card image on the computer. A first public key is used to embed the signature. The embedded credit card image is authenticated by concatenating bits of the credit card image with transaction information such as payment amount, the buyer's ID, a description of the goods or services, and/or the transaction date. A one-way hash is performed and signed employing a secret key cryptography method. The authenticated and embedded credit card image is then encrypted using the first public key and transmitted to the server that hosts the web site offering the goods and services for sale.

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Gardner Group, “SET Comparative Performance Analysis,” Nov. 2, 1998, pp. 8-9.
SET Secure Electronic Transaction Specification, Book 1: Business Description, Version 1.0, May 31, 1997 by Mastercard and Visa.

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