Patent ID: 6834271
Filing Date: 2004-12-21
Classification: G06Q,G07F

Abstract:
A method of transacting a secure purchase via the Internet, comprising:browsing a merchant web site by a user; selecting an item to purchase on the merchant web site; sending, from the merchant web site to a user computer, information with an embedded application which communicates with a PIN/PAD and instructs the user as needed using a dynamic HTML page; creating an encrypted PIN block using a unique session key; building an order from the merchant web site including purchase information and the encrypted PIN block to form a data block and further encrypting the data block to form an encrypted payment block; forwarding the encrypted payment block directly to a secure host over the Internet; decrypting the encrypted payment block by the secure host; routing a decrypted payment block formatted for use by a bank system; proceeding with the order if the secure host receives from the bank system a bank authorization for the purchase, and if no authorization is received, then canceling the purchase; forwarding the authorization to the merchant web site over the Internet; and sending an indication of a completion of the purchase to the user over the Internet, wherein the dynamic HTML page is a JAVA script with hidden fields.