Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2008-04-29
2008-04-29
Hewitt, II, Calvin Loyd (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S064000, C705S065000, C705S067000
Reexamination Certificate
active
09754465
ABSTRACT:
A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server on a network that conducts all or portions of the transaction on behalf of the user with out requiring changes to the merchant's server. The wallet server interacts with a security server of a selected financial service to provide authentication of the transaction. Upon authentication, the digital wallet pre-fills forms which are transmitted to the merchant who contacts the security server for validation of the forms and upon validation, completes the transaction with the user.
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“Secure transactions over the internet”, Jim Montgomery, Communications News, Mar 1997.
Gray William J.
Hohle William G.
Larkin Carl
Peart Lee J.
American Express Travel Related Services Company Inc.
Hewitt II Calvin Loyd
Snell & Wilmer L.L.P.
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