System and method for conducting secure payment transactions

US6915279B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Edward J. Hogan · Larchmont, US
• Carl M. Campbell · Newtown Square, US
• Arthur D. Kranzley · Pound Ridge, US
• Bruce Rutherford · Seattle, US
• Stephen Orfei · Katonah, US

Key dates

• Filing date: Mar 11, 2002
• Grant date: Jul 5, 2005
• Expiry date: Mar 11, 2022

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/388
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In a secure electronic payment system, authentication data is sent from a payment account issuer to user software operated by a purchaser. The user software sends the authentication data to a merchant using hidden fields on the Web page of the merchant. The merchant generates an authorization request message based upon the authentication data. The authorization request message is sent to a payment organization either directly from the merchant or via the merchant's acquirer. The payment organization forwards the authorization request message to a payment account issuer which verifies the authorization request message, thereby generating an authorization response message which is sent to the payment organization. The payment organization forwards the authorization response message to the merchant, either directly or via the acquirer.