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专利名称：ELECTRONIC COMMERCE SYSTEM发明人：Phillipps, John Quentin申请号：EP00937032.1申请日：20000602公开号：EP1190263A2公开日：20020327
摘要：Users 101-103 access vendors 107,108 via the PSTN 104, internet serviceprovider (ISP) 109 and the internet 106. The vendors are registered with the ISP so thatwhen a user makes a purchase the ISP recognises and intercepts the Action URL of thevendors credit card details submission form. The ISP sends the form to the transactioncomputer 112 of a financial services provider over a leased line 115. The transactioncomputer checks the form and replies with a 'not approved' message or an 'approved'message including a transaction ID. The ISP then either forwards the 'not approved'message or replaces the credit card details in the credit card details submission formwith the transaction ID and forwards the modified form to the vendor. The transaction IDis then submitted to the financial service provider along with the request for payment,and validated against the financial service providers records before payment is
authorised. Thus the credit or debit card details are only transmitted over the relativelysecure PSTN links 4 and the leased line 115. The financial services and internet serviceproviders may alternatively constitute a single entity (see Fig. 1).
申请人：Phillipps, John Quentin
地址：30 Mount Avenue,Ealing London W5 2QJ GB
国籍：GB
代理机构：Geary, Stuart Lloyd
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