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New Framework for Secure Electronic Commerce

IP.com Disclosure Number: IPCOM000178927D
Original Publication Date: 2009-Jan-30
Included in the Prior Art Database: 2009-Jan-30
Document File: 3 page(s) / 107K

Publishing Venue

IBM

Abstract

Disclosed is a system to perform a secure payment in the Internet shopping site. Consumer performs a purchasing in the shopping site, but he does not perform his payment process there. He provides his financial information like credit card information in not the shopping site but only a payment site. This system realizes to detachment of a payment process from a purchasing process. The purchasing process will be automatically cancelled or completed depending on his payment process. It is expected to solve a security issue for the financial information breach in the shopping site. It is also expected to install an advanced authentication system in the payment site easily.

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New Framework for Secure Electronic Commerce

Motivation


There are a lot of security incidents in the Internet shopping site, and especially the financial information breaches are critical one. Some consumer hesitates to provide his/her financial data like credit card information in a shopping site. Someone worries about a security attack, and he gives up making a business to run a shopping site because it is not easy to install an advanced authentication system in his web site. This disclosure realizes to detachment of a payment process from a purchasing process.

This disclosure has the unique idea that the financial data is stored in only payment site. Consumer can purchase without providing his credit card information in a shopping site. There are the modules of 'Unit for purchasing' in both site, and they are synchronized for the information of purchase and payment.

Figure 1 shows the function of this disclosure.

Consumer must access to both the shopping site and the payment site. Both sites interact to exchange information and status via the unit of purchasing. The shopping site has the function of the 'processing for purchasing' and 'unit A for purchasing'. The function of the 'processing for purchasing' is the followings;

Getting the information of 'purchase amount, goods information, a name of credit card company for payment, and a login account issued by credit card company'.

The function of the 'unit A for purchasing' is the followings;

Sending the information of 'purchase amount, goods information, a login account issued by credit card company for payment, shopping site information, and allowed time for payment completion 'to the payment site.

Waiting for payment completion within allowed duration.

Canceling the purchasing process if the login account is invalid.

Canceling the purchasing process if the payment has not been completed within allowed time. Interacting with the 'unit B for purchasing'.

The payment site has the function of the 'pr...