WO2009142812A3 - System and method for facilitating online transactions - Google Patents

System and method for facilitating online transactions Download PDF

Info

Publication number
WO2009142812A3
WO2009142812A3 PCT/US2009/037965 US2009037965W WO2009142812A3 WO 2009142812 A3 WO2009142812 A3 WO 2009142812A3 US 2009037965 W US2009037965 W US 2009037965W WO 2009142812 A3 WO2009142812 A3 WO 2009142812A3
Authority
WO
WIPO (PCT)
Prior art keywords
party
token
frame
online transactions
transaction information
Prior art date
Application number
PCT/US2009/037965
Other languages
French (fr)
Other versions
WO2009142812A2 (en
Inventor
Robert Kerner
Weidong Tang
Original Assignee
Revolution Money Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Revolution Money Inc. filed Critical Revolution Money Inc.
Priority to BRPI0910032A priority Critical patent/BRPI0910032A2/en
Priority to CA2719941A priority patent/CA2719941A1/en
Priority to EP09751042A priority patent/EP2286379A4/en
Priority to JP2011501952A priority patent/JP2011515781A/en
Priority to CN200980118520XA priority patent/CN102067159A/en
Priority to MX2010010514A priority patent/MX2010010514A/en
Publication of WO2009142812A2 publication Critical patent/WO2009142812A2/en
Publication of WO2009142812A3 publication Critical patent/WO2009142812A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Abstract

Methods and systems for facilitating online transactions are disclosed. One method includes supplying content for display in a frame of a website, the website hosted by a third-party. The method also includes receiving transaction information from the third-party, and returning a token to the frame, the token including state information based on the transaction information. The method further includes passing the token from the frame to the third-party. The method optionally also includes receiving the token from the third-party and transferring funds from a first account to a second account based on the transaction information and the state information.
PCT/US2009/037965 2008-03-24 2009-03-23 System and method for facilitating online transactions WO2009142812A2 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
BRPI0910032A BRPI0910032A2 (en) 2008-03-24 2009-03-23 system and method for facilitating online transactions.
CA2719941A CA2719941A1 (en) 2008-03-24 2009-03-23 System and method for facilitating online transactions
EP09751042A EP2286379A4 (en) 2008-03-24 2009-03-23 System and method for facilitating online transactions
JP2011501952A JP2011515781A (en) 2008-03-24 2009-03-23 System and method for facilitating online transactions
CN200980118520XA CN102067159A (en) 2008-03-24 2009-03-23 System and method for facilitating online transactions
MX2010010514A MX2010010514A (en) 2008-03-24 2009-03-23 System and method for facilitating online transactions.

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US12/054,164 2008-03-24
US12/054,164 US9208485B2 (en) 2008-03-24 2008-03-24 System and method for facilitating online transactions

Publications (2)

Publication Number Publication Date
WO2009142812A2 WO2009142812A2 (en) 2009-11-26
WO2009142812A3 true WO2009142812A3 (en) 2011-01-13

Family

ID=41089825

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/037965 WO2009142812A2 (en) 2008-03-24 2009-03-23 System and method for facilitating online transactions

Country Status (8)

Country Link
US (2) US9208485B2 (en)
EP (1) EP2286379A4 (en)
JP (1) JP2011515781A (en)
CN (1) CN102067159A (en)
BR (1) BRPI0910032A2 (en)
CA (1) CA2719941A1 (en)
MX (1) MX2010010514A (en)
WO (1) WO2009142812A2 (en)

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Also Published As

Publication number Publication date
JP2011515781A (en) 2011-05-19
US20160048832A1 (en) 2016-02-18
CN102067159A (en) 2011-05-18
US9208485B2 (en) 2015-12-08
US9818110B2 (en) 2017-11-14
US20090240594A1 (en) 2009-09-24
WO2009142812A2 (en) 2009-11-26
EP2286379A2 (en) 2011-02-23
BRPI0910032A2 (en) 2015-12-29
EP2286379A4 (en) 2013-02-13
MX2010010514A (en) 2010-12-14
CA2719941A1 (en) 2009-11-26

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