H - Electricity – 04 – M
Patent
H - Electricity
04
M
H04M 17/00 (2006.01) G06Q 20/00 (2006.01) G06Q 30/00 (2006.01) H04M 11/00 (2006.01)
Patent
CA 2383632
A method of and system (10) for authorizing purchases made over a computer network is provided. In accordance with the present invention, a consumer (12) electronically transmits an ATM card number over the network (24) to an on- line merchant (16) from which the consumer desires to make a purchase. The on- line merchant (16) then electronically forwards the ATM card number to a third party contractor (20), such as a bank, that will oversee and authorize the transaction. The third party contractor (20) subsequently determines an authentication token type associated with the card and electronically prompts the consumer for the appropriate type of authentication token, such as a PIN or biometric signature or the like. The consumer (12) then inputs and electronically transmits the authentication token over the network to the third party contractor (20), bypassing the on-line merchant (16). Having both the ATM card number and the authentication token, the third party contractor (20) verifies that the ATM card number and authentication token are valid, checks for sufficiency of funds, and either authorizes or denies the transaction. The authorization or denial is communicated to the on-line merchant (16) over the network, who either completes or rejects the purchase.
L'invention concerne un procédé et un système (10) d'autorisation d'achats sur un réseau informatique. Un consommateur (12) émet électroniquement, sur le réseau (24), un numéro de carte de guichet automatique bancaire, ATM, destiné à un commerçant en ligne (16) auprès duquel il souhaite effectuer un achat. Le commerçant en ligne (16) envoie ensuite électroniquement le numéro de ladite carte à un contractant tiers (20), par exemple une banque, qui supervise et autorise la transaction. Le contractant tiers (20) détermine par la suite un type de jeton d'authentification associé à la carte et demande au consommateur le jeton d'authentification approprié, par exemple un NIP, une signature biométrique, ou analogue. Le consommateur (12) introduit le jeton d'authentification et le transmet électroniquement sur le réseau au contractant tiers (20), contournant le commerçant en ligne (16). En possession du numéro de la carte ATM et du jeton d'authentification, le contractant tiers (20) en vérifie la validité, contrôle si les fonds sont en suffisance et soit autorise, soit refuse la transaction. L'autorisation ou le refus est communiqué sur le réseau au commerçant en ligne (16), lequel mène à bien l'achat ou le rejette.
Buyer Mastercard International Incorporated
Epacific Incorporated
Osler Hoskin & Harcourt Llp
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