Authenticated payment

Details Authenticated payment Authenticated payment

G - Physics

07

F

G07F 19/00 (2006.01) G06Q 20/00 (2006.01) G06Q 30/00 (2006.01)

Patent

CA 2406138

A buyer (110) wishes to use a payment instrument as part of an online commerce transaction with a seller (120) and it is desired to authenticate that the buyer (110) has authority to use the payment instrument. A separate authentication service (130) determines whether the buyer (110) has access to certain secret information without revealing the secret information to the seller (120). Access to the secret information would verify that the buyer (110) has authority to use the payment instrument. The authentication service (130) informs the seller (120) whether the buyer (110) is authorized to use the payment instrument.

Selon l'invention, un acheteur (110) désire utiliser un instrument de paiement dans le cadre d'une transaction commerciale en ligne avec un vendeur (120) et il faut authentifier que l'acheteur (110) est bien habilité à utiliser l'instrument de paiement. Un service d'authentification séparé (130) détermine si l'acheteur (110) a accès à certaines données secrètes, sans révéler lesdites données secrètes à l'acheteur (120). L'accès aux données secrètes a pour but de vérifier si l'acheteur (110) est habilité à utiliser l'instrument de paiement. Le service d'authentification (130) signale au vendeur (120) si l'acheteur (110) est habilité à utiliser l'instrument de paiement.

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