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AssigneeB. Todd Patterson
InventorJames Shaw-Han Kuo
Estimating the term…
An electronic commerce process that facilitates online transactions among multiple participants, that prevents consumer fraud due to pirated payment card numbers, with calculated risk, involving at least one trusted payment card host (3), where buyer's payment card number is registered and corresponding secret keys are set up. The buyer (1b) initiates an online transaction by selecting a host from a list of hosts that served by the seller's web server (2a). Then, the buyer participant (1a) sends an order online (4), SSL encrypted. The seller participant (2a) receives and decrypts the order, confirms the availability of ordered items, assigns an orderID to the order, and sends a response (5a), SSL encrypted, to the buyer participant (1a) with the assigned orderID. The buyer participant (1a) encrypts and notifies the selected host (3) of this order and orderID, and authorizes the payment (6a) using secret keys. At the same time, the seller participant also encrypts and sends payment approval request (7) for this orderID through the host. The host (3) decrypts and matches up the orderID, retrieves the secret keys, and hashes to obtain the corresponding payment card number. The host then encrypts and send for payment authorization (8a) from the payment card issuer with the payment card number, through payment clearing network. Upon receiving and decrypting the response (9) back from the payment card issuer, the host (3) encrypts and notifies (10a) the seller participant (2a) of the card issuer's response (9) for the orderID. After fulfilling the order (11,12), the seller participant encrypts and sends for payment capturing (13a) for this order with orderID, through the host and payment network (14a,15,16).
In an electronic commerce online transaction that prevent consumer fraud arises from pirated payment card numbers, involving at least one participating host, as a trusted payment card host, serving between buyers, sellers and payment clearing processors, a process and method comprising the following steps:
1. A process and method as recited in claim 2, wherein the said seller participant provides a list of hosts to the said buyer participant further including steps that seller participant encrypting the said list of hosts, and buyer participant decrypting the said list of hosts.
1. A process and method as recited in claim 3, wherein buyer participant sending order and selected host online further comprising the steps:
1. A process and method as recited in claim 4, wherein the seller participant sending a payment form to buyer participant further including steps:
1. A process and method as recited in claim 5, wherein the buyer participant sending the completed payment form to the host, further includes the steps that buyer participant encrypts the completed payment form and the participating host decrypts the said payment form.
2. A process and method as recited in claim 5, wherein the buyer participant notifies the seller participant further including the steps of buyer participant encrypting the message of notification, and the seller participant decrypting the said message.
1 A process and method as recited in claim 8, wherein the participating host notifies the seller participant further comprising the steps:
Dependencies are inferred from the claim text.