Method and system for conducting secure electronic commerce transactions with authorization request data loop-back

US7058611B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Arthur D. Kranzley · Pound Ridge, US
• Stephen Orfei · Katonah, US
• Bruce Rutherford · Seattle, US
• John Wankmueller · Great Neck, US

Key dates

• Filing date: Jul 10, 2001
• Grant date: Jun 6, 2006
• Expiry date: Jul 27, 2022

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In accordance with the present invention, when an appropriate transaction message is received by a payment gateway, instead of requesting an authorization of the transaction through the payment network, the payment gateway instead sends an authorization response back to the message originator. The payment gateway may perform authentication functions and send transaction data back to the message originator. In this way, the payment gateway may be used for authentication functions while the message originator may use its existing payment system protocols to conduct authorization functions.