Technique for securely conducting online transactions

G - Physics – 06 – Q

Patent

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Details

G06Q 40/00 (2006.01)

Patent

CA 2405792

In e-commerce customers conduct transactions with merchant servers (100) on the Internet (140), which are associated with different merchants. A financial data center (150) is established to handle the finance attendant to the online transactions, in accordance with an inventive financial service. Each merchant (100) participating in the inventive financial service maintains a merchant account in the financial data center (150). Similarly, each customer (130) subscribing to the inventive financial service maintains a user account in the financial data center (150). In conducting an online transaction, after a customer makes a purchase from a merchant server (100), the merchant server (100) communicates purchase information to the financial data center (150). In response, the financial data center (150) identifies the corresponding user and merchant accounts. Upon receiving an affirmation of the purchase from the customer (130), the financial data center (150) transfers the purchase amount from the user account to the merchant account to complete the online transaction.

Dans le commerce électronique, les clients effectuent des transactions avec les serveurs (100) de vente sur Internet (140), qui sont en liaison avec différents vendeurs. Un centre de données financières (150) est établi pour gérer les questions financières concomitantes aux transactions en ligne, conformément à un service financier novateur. Chaque vendeur (100) faisant partie de ce service financier novateur a un compte vendeur au sein dudit centre de données financières (150). De même, chaque client (130) abonné au service financier novateur a un compte client au sein du centre de données financières (150). Lors d'une transaction en ligne, un client ayant fait un achat par l'intermédiaire d'un serveur (100) de vente, ce dernier communique l'information d'achat au centre de données financières (150). Ledit centre de données financières (150) répond par l'identification des comptes client et vendeur correspondants. Après réception de la confirmation d'achat du client (130), le centre de données financières (150) transfert le montant de l'achat du compte client au compte vendeur pour compléter la transaction en ligne.

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