- 专利标题: Method and system for controlling certificate based open payment transactions
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申请号: US13348748申请日: 2012-01-12
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公开(公告)号: US09607292B1公开(公告)日: 2017-03-28
- 发明人: Joseph C. Kawan , Ronald King-Hang Chu , Charles Golvin , Peter Tompkins
- 申请人: Joseph C. Kawan , Ronald King-Hang Chu , Charles Golvin , Peter Tompkins
- 申请人地址: US NY Long Island City
- 专利权人: Citicorp Credit Services, Inc. (USA)
- 当前专利权人: Citicorp Credit Services, Inc. (USA)
- 当前专利权人地址: US NY Long Island City
- 代理机构: Dentons US LLP
- 代理商 Eric L. Sophir
- 主分类号: G06Q40/00
- IPC分类号: G06Q40/00 ; G06Q20/10
摘要:
Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.