Patent ID: 7103575
Filing Date: 2006-09-05
Classification: G06Q

Abstract:
1. A computer program product for enabling use of a smart card by a consumer using a consumer device for trusted transactions in a networking environment in which the consumer's device is untrusted and is communicably coupled over a public network to a merchant computer of a merchant and to an issuer computer of an issuer of the smart card and in which the merchant computer communicates with an acquirer computer of an acquirer that is distinct from the issuer and that processes payments for the merchant, the computer program product embodied on one or more computer readable media readable by one or more computing systems in the networking environment and comprising: computer-readable program code means for initiating a transaction with the merchant computer from the consumer device; and computer-readable program code means for providing, directly from the consumer device to the merchant computer, a payment authorization for the transaction, further comprising: computer-readable program code means for verifying, by the merchant computer upon receiving the payment message, that the issuer computer has authorized the payment by authenticating an issuer digital signature on the authorization token, wherein the issuer digital signature was created by the issuer computer using a digital certificate of the issuer, such that the merchant computer does not need to communicate with the issuer computer or the acquirer computer to determine whether the payment is authorized.