发明名称 |
Method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
摘要 |
A method is provided for conducting an electronic transaction with a payment account number having a certain amount of available funds, using a payment network and a "check site". The method comprises the following steps: (a) generating a secret key associated with the payment account number; (b) using the secret key to generate a message authentication code ("MAC") specific to the transaction; (c) generating an authorization request message including the message authentication code; (d) forwarding the authorization request message over the payment network to the check site for verifying the authenticity of the MAC; (e) verifying the message authentication code by the check site using the secret key; (f) responding to the authorization request message over the payment network based on the available funds and the transaction amount.
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申请公布号 |
US2002120584(A1) |
申请公布日期 |
2002.08.29 |
申请号 |
US20010886486 |
申请日期 |
2001.06.22 |
申请人 |
HOGAN EDWARD J.;CAMPBELL CARL M. |
发明人 |
HOGAN EDWARD J.;CAMPBELL CARL M. |
分类号 |
G06Q20/00;G07F7/10;(IPC1-7):G06F17/60;H04K1/00 |
主分类号 |
G06Q20/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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