# US 2018/0322602 A1 · Private online transaction system

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- Number: US 2018/0322602 A1
- Document ID: US20180322602A1
- Status: Published application
- Kind: A1
- Application number: 16/022,205
- Filed: 2018-06-28
- Published: 2018-11-08
- Earliest claimed: 2006-11-15
- Inventors: Yuh-shen SONG; Catherine LEW; Alexander SONG; Victoria SONG
- Web page: https://patentgrep.com/patent/US20180322602A1

## CPC

- G06Q 50/265: {Personal security, identity or safety}
- G06Q 30/04: Billing or invoicing
- G06Q 30/0601: Electronic shopping [e-shopping]
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A method for processing transactions receives from a customer, at a merchant computer system, customer account identification information and customer identification information. The method includes encrypting, at the merchant computer system, transaction data corresponding to a transaction between a merchant and the customer. The transaction data is encrypted with an encryption key generated from the customer identification information. The method transmits, from the merchant computer system to a financial institution, the customer account identification information and the encrypted transaction data. The method receives, at the merchant computer system from the financial institution, a notification indicating whether to proceed with the transaction based on whether the encrypted transaction data was successfully decrypted with a decryption key generated from account holder identification information derived from the customer account identification information. The method includes performing, at the merchant computer system, the transaction when the notification indicates to proceed with the transaction.

## Claims

### Claim 1

A method for processing transactions, comprising:
receiving from a customer, at a merchant computer system, customer account identification information and customer identification information;
encrypting, at the merchant computer system, transaction data corresponding to a transaction between a merchant and the customer, the transaction data encrypted with an encryption key generated from the customer identification information;
transmitting, from the merchant computer system to a financial institution, the customer account identification information and the encrypted transaction data;
receiving, at the merchant computer system from the financial institution, a notification indicating whether to proceed with the transaction based on whether the encrypted transaction data was successfully decrypted with a decryption key generated from account holder identification information derived from the customer account identification information; and
performing, at the merchant computer system, the transaction when the notification indicates to proceed with the transaction.

### Claim 2 (depends on 1)

The method of claim 1, further comprising obtaining the customer identification information from at least one of a driver's license, a passport, an alien identification card, a resident identification card, a student identification card, a national identification card, a state identification card, an insurance identification card, a social security identification card, a voter identification card, a certificate of legal status, or a combination thereof.

### Claim 3 (depends on 1)

The method of claim 1, further comprising generating the encryption key based on characters obtained from the customer identification information.

### Claim 4 (depends on 1)

The method of claim 1, further comprising generating the decryption key based on characters obtained from the account holder identification information.

### Claim 5 (depends on 1)

The method of claim 1, in which the transaction is associated with banking, trading, money transfer, shopping, payment, financial transactions, electronic money services transactions, or a combination thereof.

### Claim 6

A merchant computer system for transaction processing, comprising:
a memory device; and
at least one processor coupled to the memory device, the at least one processor configured:
to receive customer account identification information and customer identification information from a customer;
to encrypt transaction data corresponding to a transaction between a merchant and the customer, the transaction data encrypted with an encryption key generated from the customer identification information;
to transmit, to a financial institution, the customer account identification information and the encrypted transaction data;
to receive, from the financial institution, a notification indicating whether to proceed with the transaction based on whether the encrypted transaction data was successfully decrypted with a decryption key generated from account holder identification information derived from the customer account identification information; and
to perform the transaction when the notification indicates to proceed with the transaction.

### Claim 7 (depends on 6)

The merchant computer system of claim 6, in which the at least one processor is further configured to obtain the customer identification information from at least one of a driver's license, a passport, an alien identification card, a resident identification card, a student identification card, a national identification card, a state identification card, an insurance identification card, a social security identification card, a voter identification card, a certificate of legal status, or a combination thereof.

### Claim 8 (depends on 6)

The merchant computer system of claim 6, in which the at least one processor is further configured to generate the encryption key based on characters obtained from the customer identification information.

### Claim 9 (depends on 6)

The merchant computer system of claim 6, in which the at least one processor is further configured to generate the decryption key based on characters obtained from the account holder identification information.

### Claim 10 (depends on 6)

The merchant computer system of claim 6, in which the transaction is associated with banking, trading, money transfer, shopping, payment, financial transactions, electronic money services transactions, or a combination thereof.

### Claim 11

A non-transitory computer-readable medium having program code recorded thereon to conduct transactions at a merchant computer system, the program code comprising:
program code to receive customer account identification information and customer identification information from a customer;
program code to encrypt transaction data corresponding to a transaction between a merchant and the customer, the transaction data encrypted with an encryption key generated from the customer identification information;
program code to transmit, to a financial institution, the customer account identification information and the encrypted transaction data;
program code to receive, from the financial institution, a notification indicating whether to proceed with the transaction based on whether the encrypted transaction data was successfully decrypted with a decryption key generated from account holder identification information derived from the customer account identification information; and
program code to perform the transaction when the notification indicates to proceed with the transaction.

### Claim 12 (depends on 11)

The non-transitory computer-readable medium of claim 11, further comprising program code to generate the encryption key based on characters obtained from the customer identification information.

### Claim 13 (depends on 11)

The non-transitory computer-readable medium of claim 11, further comprising program code to generate the decryption key based on characters obtained from the account holder identification information.

### Claim 14 (depends on 11)

The non-transitory computer-readable medium of claim 11, in which the transaction is associated with banking, trading, money transfer, shopping, payment, financial transactions, electronic money services transactions, or a combination thereof.

### Claim 15 (depends on 11)

The non-transitory computer-readable medium of claim 11, further comprising program code to obtain the customer identification information from at least one of a driver's license, a passport, an alien identification card, a resident identification card, a student identification card, a national identification card, a state identification card, an insurance identification card, a social security identification card, a voter identification card, a certificate of legal status, or a combination thereof.