Source: http://www.google.es/patents/US8706621
Timestamp: 2017-11-21 17:50:09
Document Index: 532823012

Matched Legal Cases: ['Application No. 08771810', 'Application No. 20088268411', 'Application No. 08771833', 'Application No. 20088268419', 'Application No. 20088268411', 'Application No. 20088268419', 'Application No. 08771833']

Patente US8706621 - Secure checkout and challenge systems and methods - Google Patentes
A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server of a merchant entity from an access device used by a consumer, a checkout request to initiate a transaction,...http://www.google.es/patents/US8706621?utm_source=gb-gplus-sharePatente US8706621 - Secure checkout and challenge systems and methods
Número de publicación US8706621 B2
Número de solicitud US 14/049,873
Fecha de presentación 9 Oct 2013
También publicado como CA2692275A1, CA2692276A1, EP2165301A2, EP2165301A4, EP2165302A2, EP2165302A4, US8121942, US8121956, US8589291, US8606700, US8744958, US20080319869, US20080319896, US20120116975, US20120123882, US20120150744, US20140040137, US20140067684, US20140236828, US20170221027, WO2009002972A2, WO2009002972A3, WO2009002980A2, WO2009002980A3
Número de publicación 049873, 14049873, US 8706621 B2, US 8706621B2, US-B2-8706621, US8706621 B2, US8706621B2
Inventores Mark Carlson, Surendra Keshan, Patrick Faith
Cesionario original Visa U.S.A., Inc.
Citas de patentes (172), Otras citas (23), Clasificaciones (24), Eventos legales (1)
US 8706621 B2
A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server of a merchant entity from an access device used by a consumer, a checkout request to initiate a transaction, providing, from the merchant server to a server of a non-merchant entity, transaction information associated with said transaction, wherein the transaction information comprises a merchant ID, and receiving, at the merchant server from the non-merchant server, a response message regarding the transaction, wherein the response message is based on a correlation between the transaction information and device information specifically associated with the access device and provided directly from the access device to the non-merchant server, and is based on additional processing associated with the transaction information and the device information, performed by the non-merchant server.
receiving, at a server of a merchant entity from an access device used by a consumer, a checkout request to initiate a transaction;
providing, from the merchant server to a server of a non-merchant entity, transaction information associated with said transaction, wherein the transaction information comprises a merchant ID; and
receiving, at the merchant server from the non-merchant server, a response message regarding the transaction, wherein the response message is based on a correlation between the transaction information and device information specifically associated with the access device and provided directly from the access device to the non-merchant server, and is based on additional processing associated with the transaction information and the device information, performed by the non-merchant server.
2. The method of claim 1 wherein the device information comprises a device ID.
3. The method of claim 2 wherein the device information is sent by the access device to the server computer transparently.
4. The method of claim 1 wherein the additional processing comprises performing a risk analysis.
5. A server computer of a merchant entity comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising:
receiving from an access device used by a consumer, a checkout request to initiate a transaction;
providing to a server of a non-merchant entity, transaction information associated with said transaction, wherein the transaction information comprises a merchant ID; and
receiving from the non-merchant server, a response message regarding the transaction, wherein the response message is based on a correlation between the transaction information and device information specifically associated with the access device and provided directly from the access device to the non-merchant server, and is based on additional processing associated with the transaction information and the device information, performed by the non-merchant server.
6. The method of claim 5 wherein the device information comprises a device ID.
7. The method of claim 6 wherein the device information is sent by the access device to the server computer transparently.
8. The method of claim 5 wherein the additional processing comprises performing a risk analysis.
providing, to a server of a merchant by an access device of a consumer, a checkout request to initiate a transaction;
providing, to a server of a non-merchant entity, device information specifically associated with the access device directly from the access device; and
receiving a response message regarding the transaction, wherein the response message is based on a correlation between the device information and transaction information associated with said transaction, and is based on additional processing associated with the transaction information and the device information, performed by the non-merchant server, wherein the transaction information is provided by the merchant server to the non-merchant server and comprises a merchant ID.
10. The method of claim 9 wherein the device information comprises a device ID.
11. The method of claim 10 wherein the device information is sent by the access device to the server computer transparently.
12. The method of claim 9 wherein the additional processing comprises performing a risk analysis.
13. An access device of a consumer comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising:
14. The method of claim 13 wherein the device information comprises a device ID.
15. The method of claim 14 wherein the device information is sent by the access device to the server computer transparently.
16. The method of claim 13 wherein the additional processing comprises performing a risk analysis.
The present application is continuation of U.S. patent application Ser. No. 13/355,270, filed Jan. 20, 2012, which is a continuation of U.S. patent application Ser. No. 12/143,509, filed on Jun. 20, 2008, which is a non-provisional application of and claims priority to U.S. Provisional No. 60/946,113, filed on Jun. 25, 2007 and to U.S. Provisional No. 61/034,904, filed on Mar. 7, 2008, the entire contents of which are herein incorporated by reference for all purposes.
The present application is related to commonly owned U.S. application Ser. No. 12/143,394, filed on Dec. 25, 2008, and to U.S. patent application Ser. No. 11/763,240, filed on Jun. 14, 2007, the entire contents of which are herein incorporated by reference for all purposes.
In one embodiment, embedded software, such as a hidden frame, is included in the checkout page 800 when it is sent to the consumer. This code may be used to initiate the device information collection process. The code may be directly included in the page 800 or a link to the code may be included. An exemplary line of a link to the code sent from the merchant 22 to the access device 34 is <iframe src='http://www.ivisa.com/zfp_visa/php? Merchid=2000$corrid=123' height=1 width=1 frameborder=0 scrolling=no></iframe>. The device information may be sent at anytime after the page 800 is served to the consumer. For example, it may be immediately after the page is served, i.e. before the Option A 825 is activated. In another embodiment, the device information is sent to the network 26 after the option A 825 is activated, which selects the preferred payment processing network 26, or payment processing organization (e.g., Visa).
US20070288377 * 26 Abr 2007 13 Dic 2007 Yosef Shaked System and method for authenticating a customer's identity and completing a secure credit card transaction without the use of a credit card number
US20090099961 * 24 Jun 2005 16 Abr 2009 Ian Charles Ogilvy Transaction Processing Method, Apparatus and System
1 Final Office Action of Apr. 29, 2013 for U.S. Appl. No. 13/358,475, 9 pages.
2 Final Office Action of Mar. 27, 2013 for U.S. Appl. No. 13/355,270, 10 pages.
3 Google Checkout HTML API Developer's Guide, 52 pages.
4 Google Checkout XML API Developer's Guide, 86 pages.
5 International Preliminary Report on Patentability of Jan. 5, 2010 for PCT Application No. PCT/US2008/068040, 7 pages.
6 International Search Report and Written Opinion of Jan. 9, 2009 for PCT Application No. PCT/US2008/068040, 10 pages.
7 Non-Final Office Action of Dec. 12, 2012 for U.S. Appl. No. 13/358,475, 13 pages.
8 Non-Final Office Action of Oct. 18, 2012 for U.S. Appl. No. 13/355,270, 13 pages.
9 Notice of Allowance of Aug. 9, 2013 for U.S. Appl. No. 13/358,475, 9 pages.
10 Notice of Allowance of Jul. 12, 2013 for U.S. Appl. No. 13/355,270, 9 pages.
11 Office Action of Apr. 25, 2012 for European Patent Application No. 08771810.2, 5 pages.
12 Office Action of Dec. 12, 2012 for Australian Patent Application No. 20088268411, 2 pages.
13 Office Action of Jan. 27, 2012 for European Patent Application No. 08771833.4, 11 pages.
14 Office Action of Mar. 12, 2013 for Australian Patent Application No. 20088268419, 4 pages.
15 Office Action of May 11, 2012 for Australian Patent Application No. 20088268411, 3 pages.
16 Office Action of May 4, 2012 for Australian Patent Application No. 20088268419, 3 pages.
17 Office Action of Oct. 16, 2012 for European Patent Application No. 08771833.4, 9 pages.
18 PayPal.TM. : Developer Central: Custom Integration with Express Checkout, 2008, 3 pages.
19 PayPal.TM. : Express Checkout Integration Guide, 2008, 70 pages.
20 PayPal.TM. : Name-Value Pair API Developer Guide and Reference, 2008, 227 pages.
21 PayPal.TM. : Website Payments Standard Integration Guide, 2008, 194 pages.
22 Supplementary European Search Report of May 10, 2011 for European Patent Application No. EP08771810.2, 10 pages.
23 Supplementary European Search Report of May 11, 2011 for European Patent Application No. EP08771833.4, 4 pages.
Clasificación internacional G06Q20/02, G06Q20/32, G06Q40/00, G06Q20/40
Clasificación cooperativa G06Q20/385, G06Q20/322, G06Q20/12, G06Q20/4016, G06Q20/027, G06Q20/10, G06Q30/0601, G06Q30/0613, G06Q20/02, G06Q40/00, G06Q20/3674, G06Q30/06, G06Q40/025, G06Q20/3227, G06Q20/20, G06Q20/401, G06Q20/382, G06Q20/40, G06Q20/00