公开(公告)号：MY165285A

公开(公告)日：2018-03-21

申请号：MYPI2010005590

申请日：2010-11-26

Applicant: MIMOS BERHAD

Inventor： TAN FUI BEE ,  SEE CHONG SEAK ,  NG KANG SIONG ,  GALOH RASHIDAH BINTI HARON

IPC: G06Q20/00 ,  G06F17/00 ,  G06F21/00 ,  H04L9/32

Abstract: A METHOD AND A SYSTEM COMPRISING THREE ENTITIES (110,120,130) AND A DEBIT CARD INCORPORATED WITH PKI INFRASTRUCTURE ARE DISCLOSED. THE SYSTEM TO CARRY OUT THE METHOD OF ENSURING A SECURED ONLINE TRANSACTION COMPRISES A FIRST ENTITY (110), A SECOND ENTITY (120) AND A THIRD ENTITY (130). PREFERABLY, THE ENTITIES (110,120,130) REPRESENT A USER OF THE DEBIT CARD, A MERCHANT AND A FINANCIAL INSTITUTION. THE USER MAKES AN ONLINE TRANSACTION (ONLINE PURCHASE) FROM A MERCHANT USING THE DEBIT CARD PROVIDED BY THE FINANCIAL INSTITUTION. BASED ON THE INFORMATION OF THE USER AND THE INFORMATION OF THE MERCHANT RECEIVED BY THE FINANCIAL INSTITUTION, THE USER’S ACCOUNT WILL BE DEDUCTED WITH THE PURCHASE AMOUNT WHILE THE MERCHANT’S ACCOUNT IS CREDITED. THE INFORMATION EXCHANGED BETWEEN THE ENTITIES (110,120,130) IS DIGITALLY SIGNED AND ENCRYPTED TO ENSURE CONFIDENTIALITY. A CONFIRMATION IS SENT TO THE MERCHANT WHO DIRECTS IT TO THE USER TO INFORM THE USER ON THE STATUS OF THE TRANSACTION. THE MOST ILLUSTRATIVE DRAWING: