Methods and systems for online transaction processing

Details Methods and systems for online transaction processing Methods and systems for online transaction processing

H - Electricity

04

L

H04L 9/00 (2006.01)

Patent

CA 2563353

Methods and systems coordinate an Internet-based financial transaction between an Internet merchant and a customer. A first information packet is received with a payment network from the Internet merchant. The first information packet has a credential assigned to the customer and transaction information specifying at least a cost of the Internet-based financial transaction. With the payment network, account information is determined that identifies a financial account maintained by the customer at a financial institution and authorization information that allows debit access to the identified financial account. A second information packet that includes the transaction information, the account information, and the authorization information is generated with the payment network. The second information packet is transmitted with the payment network to the financial institution with a request to perform a debit transaction from the identified financial account for the specified cost of the Internet-based financial transaction.

Des procEdEs et des systEmes coordonnent une transaction financiEre sur Internet entre un commerÇant Internet et un client. Un premier paquet d'informations est reÇu du commerÇant Internet grAce A un rEseau de paiement. Le premier paquet d'informations comprend un justificatif d'identitE affectE au client et des informations de transaction indiquant au moins le montant de la transaction sur Internet. GrAce au rEseau de paiement, il est dEterminE des informations de compte qui identifient un compte financier dEtenu par le client dans un Etablissement financier et des informations d'autorisation qui permettent d'accEder au compte financier identifiE pour le dEbiter. Un deuxiEme paquet d'informations comprenant les informations de transaction, les informations de compte et les informations d'autorisation est gEnErE grAce au rEseau de paiement. Le deuxiEme paquet d'informations est transmis grAce au rEseau de paiement A l'Etablissement financier avec une demande d'exEcution d'une transaction de dEbit du compte financier identifiE du montant indiquE de la transaction financiEre sur Internet.

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