Patent SG-11201808714W-A (SG)
Title: System and method for secure web payments
Inventor: BANSAL PARVEEN
IPC: G06Q20/00
Filed: 2017-04-17
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property —, Organization MD 1111101110101011111 Mt 011131111130 1111111101111101111011# International Bureau 0.. .... .. ..... ..or::,„, (10) International Publication Number (43) International Publication Date WO 2017/181185 Al 19 October 2017(19.10.2017) WIPO I PCT (51) International Patent Classification: (81) Designated States (unless otherwise indicated, for every G06Q 20/00 (2012.01) kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, (21) International Application Number: BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, PCT/US2017/027957 DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, (22) International Filing Date: HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, 17 April 2017 (17.04.2017) KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, (25) Filing Language: English NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, (26) Publication Language: English RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, (30) Priority Data: ZA, ZM, ZW. 62/323,148 15 April 2016 (15.04.2016) US (84) Designated States (unless otherwise indicated, for every (71) Applicant: VISA INTERNATIONAL SERVICE A550- kind of regional protection available): ARIPO (BW, GH, CIATION [US/US]; P.O. Box 8999, San Francisco, CA GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, 94128 (US). TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, (72) Inventors: BANSAL, Parveen; 901 Metro Center Blvd., TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, Foster City, CA 94404 (US). PATTERSON, Barbara, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, Elizabeth; 901 Metro Center Blvd., Foster City, CA 94404 LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, (US). GIRISH, Aparna, Krishnan; 901 Metro Center SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, — Blvd., Foster City, CA 94404 (US). GW, KM, ML, MR, NE, SN, TD, TG). Published: (74) Agent: SMITH, Andrew, R.; Loeb & Loeb LLP, 321 N. = Clark Street, Suite 2300, Chicago, IL 60654 (US). — with international search report (Art. 21(3)) = = = (54) Title: SYSTEM AND METHOD FOR SECURE WEB PAYMENTS ( -106 100 112~Yment Network System r---103 — _ Module ,--120 Account Holder Computer System = = Ng . C.----) 1,2011 III3 Ell ( .408 102 ® El = Enabler Module .1,....._ -------_,.... 3' Network I133 A = — 2 6 • .. 131 , ,II 132 Merchant E-Commerce Co puler System 154 ___.d .1...110 — , , Ja - _ _ 113_ 11. _ 0 0.LIMI 144 158 LW Token Service Provide 152 132 Module Ell Module 1-1 0 FIG 1 ; ECI2 MEI kin cc 13 • N 140 1M N_.104 Il 1 -1 (57) : Systems and methods may facilitate payment transactions between user computer systems and merchant computer X ) I-1 systems. An e-commerce enabler system may generate a library of instructions for execution on the user computing device. On exe - ---- cution, the library of instructions may provide payment information for a payment transaction to a merchant e-commerce computer I-1 system via a website hosted by the merchant e-commerce computer system. The payment information may correspond to primary ac - C count holder data identifying a payment device. The e-commerce enabler system may forward the payment information to a payment ei network system, create payment payload data from data returned by the payment network system, and forward the payload data to 0 the merchant e-commerce computer system. The merchant e-commerce computer system may then decrypt at least a portion of the payment payload data to complete the payment transaction between the computing device and the merchant e-commerce computer P.- system.