Patent ID: 7596530
Filing Date: 2009-09-29
Classification: G06Q

Abstract:
1. A computer-implemented method whose steps are accomplished by digital computers or mobile phones connected to an electronic communications network, for conducting internet payment operations between a user, a vendor, and a broker, including: (a) said vendor or said broker making available to said user payment information related to content, including a price; said vendor or said broker, by using a vendor's secret key which is known by the vendor, generating a vendor's security code comprising a message authentication code or digital signature of information comprising said payment information; said vendor or said broker providing said user with said vendor's security code; (b) said user or said vendor or said broker initiating a transaction, and said user sending to said broker information comprising said vendor's security code, plus a user's identification, plus said price, plus a vendor's identification; said broker, by using an authorization's secret key, generating a message authentication code or digital signature of information comprising a part of said transaction information, said vendor's security code, said price and said vendor's identification; said broker generating an authorization comprising said part of said transaction information, plus last said message authentication code or digital signature; said broker sending said authorization to said user; (c) said user requesting said content from said vendor; said vendor receiving said authorization plus a part of said payment information from said user; said vendor performing a verification procedure comprising generating a probative payment information, then generating a probative vendor's security code, then generating a probative part of transaction information, then generating a probative authorization; said probative payment information comprising said part of said payment information that said vendor received from said user; said probative vendor's security code comprising, by using said vendor's secret key, generating a message authentication code of information comprising said probative payment information; said probative part of transaction information comprising said probative vendor's security code, plus a part of said probative payment information, plus parts of said authorization; said probative authorization comprising, by using said authorization's secret key, generating a message authentication code of information comprising said probative part of transaction information; and if said probative authorization matches said authorization and said authorization is valid, causing said vendor to grant access to said content to said user.