Secure transaction protocol

Details Secure transaction protocol Secure transaction protocol

G - Physics

07

F

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

Patent

CA 2446164

A system for engaging in secure transactions over an internetwork, involving, a consumer, a merchant and a Transaction Authority as parties to a transaction. To initiate the transaction the consumer makes an inquiry with the merchant who then returns a signed offer. The consumer then accepts the offer by also signing the offer. The doubly signed offer is then forwarded to the Transaction Authority. The Transaction Authority validates the transaction by checking both the authority and identity of the merchant and the consumer. The Transaction Authority then signs the offer to create a triply signed offer. The Transaction Authority returns the triply signed offer to the merchant. Once the merchant has a validated offer they are then able to request settlement of the transaction from the Transaction Authority, either immediately, or at some future date by sending a settlement request to the Transaction Authority.

L'invention porte sur un système permettant d'effectuer sur un réseau Internet des transactions sûres dans lequel les parties impliquées sont le consommateur, le vendeur et une autorité de transaction. Pour lancer la transaction le consommateur fait une demande au vendeur qui retourne une offre signée que le consommateur accepte en la signant à son tour. Le document muni des deux signatures est alors transmis à l'autorité de transaction qui valide la transaction en vérifiant à la fois les pouvoirs et l'identité du vendeur et du consommateur. L'autorité de transaction signe à son tour l'offre, qui comporte donc les trois signatures, et la retourne au vendeur, qui en sa possession demande à l'autorité de transaction par une requête ad hoc de conclure la transaction, soit immédiatement, soit à une date future.

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