Secure payment system

专利名称：Secure payment system发明人：Elbaum, Hector Daniel,Jamieson,

Andrew,McGregor, David

申请号：AU2011203165申请日：20110629公开号：AU2011203165A1公开日：20110721

摘要：#$%^&*AU2011203165A120110721.pdf##### ABSTRACT The present inventionprovides a system for the authentication by a card issuing financial institution ofidentifying information of a card-holding user of a 5 public data network, including: asecure data entry device connected to the public data network; and a gateway deviceconnected to the public data network and to a private data network used fortransmitting messages between financial institutions; wherein the secure data entrydevice includes means for the user to enter identifying information of a card issued bythe card issuing financial io institution, and means for transmitting the identifyinginformation in a secure manner over the public data network to the gateway device; andwherein the gateway device includes means for transmitting the identifying informationto the card-issuing financial institution and for receiving an approval response from thecard-issuing financial institution over the private data network; whereby the 15 approvalresponse provides authentication of the identifying information by the card-issuingfinancial institution. 5/5 Choose operating mode gure 5 500 -- 502 Customer enters cardand 504 PoP device communicates customer payment details to PoP gateway in securemanner. 506 f;08 I Trainsacflon51 PoP gateway transmits funds transfer Delie PoP device

message to customers' card issuing bank Informs customer Transaction Accepted 512 -Method off Operatlon? 514 Authen,,calo Dynamic card number Static card number 534Proof replacement repiscement Transmit Generate dynamic Determine static

authentication card number and card number and Information back to transmit to PoPtransmit to PoP PoP device. device. device. 520 Derive proof from Transmit replacementcard details to authentication merchant, either automatically or by information and passdisplaying them to the user. The merchant to requesting uses these In a standardtransaction. application. 522 Transaction is sent from the merchants' bank to the PoPgateway via the Inter bank 2 The PoP gateway removes the replacement card number,Inserts the customers' real card number, and forwards message to card Issuer. 1 526 Thefunds transfer request is completed by the card Issuer and a reply Is sent to back to thePoP gateway. 528 PoP gateway re-installs the replacement card number In the reply andforwards it to the merchants' bank. 53o Merchant receives the response from theirbankky arid finalises the transaction accordingly.

申请人：Point of Pay Pty Ltd

代理人：Patent Attorney Services

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