METHODS AND SYSTEMS FOR SECURE ONLINE PAYMENT

摘要

A secure online payment system in which, upon initiation by a card holder of a payment operation to an online merchant, the card holder is directed to a wallet-hosting website which stores at least one digital wallet associated with the card holder. Each digital wallet is associated with at least one payment card associated with the card holder, and the website has access to database storing payment card data relating to the payment card. At the website, a card holder authentication process is performed. Upon successful authentication, payment card data is extracted from the database, and a successful authentication indicator message is generated and returned to the merchant. The successful authentication indicator message includes the payment card data, code indicating that the card holder has been successfully identified, and code indicative of the fact that the payment card is registered in the wallet.

主权项

1. A method performed by a single web domain, for authenticating a card holder to enable a payment to an online merchant domain, the method comprising, upon the card holder initiating a payment process in relation to the online merchant domain:
receiving, at the web domain, data from the card holder; using, at the web domain, the received data to authenticate the identity of the card holder; upon the web domain successfully authenticating the identity of the card holder, extracting, from a database of the web domain, payment card data describing a payment card associated with the card holder; transmitting, using the web domain, the payment card data to the online merchant domain; and generating and transmitting to the online merchant domain, by the web domain, an authentication indicator message i) indicating that the authorization was successful and ii) containing data indicating that the payment card is registered in a digital wallet.