Last updated: February 21, 2026
What is the scope of patent AU2019283765?
Patent AU2019283765, titled "Method and System for Online Payment," filed on November 29, 2019, and granted on May 25, 2022, covers a system and method for processing online transactions using a secure, multi-factor authentication process integrated with a specific digital interface.
The patent claims primarily focus on a technological system that involves:
- A client device configured to initiate a payment request.
- A server system receiving the request.
- Authentication components performing multi-factor authentication based on user-specific data.
- Secure communication protocols for transaction authorization.
- Processing modules for completing the payment.
The scope centers on a cybersecurity-enhanced digital payment system with real-time authentication, targeting secure e-commerce transactions.
How broad are the claims?
The claims are narrowly tailored but include some breadth regarding the authentication mechanism and communication protocols.
- Independent Claims: The core independent claims specify a process involving a client device, server, and multi-factor authentication, with steps for initiating, authenticating, and completing payment.
- Dependent Claims: These specify implementation details such as types of authentication factors (e.g., biometric, token), communication protocols (e.g., SSL/TLS), and user interface specifics.
Compared to broader payment system patents, this patent emphasizes privacy-preserving multi-factor schemes and authenticated transaction flow, but does not claim fundamental financial transaction structures.
Who owns and controls the patent landscape?
The patent was assigned to SecurePay Pty Ltd, a provider of online payment solutions based in Australia. SecurePay is a subsidiary of Australia Post.
Patent family and related filings
- Related Applications: The patent family appears limited, with no direct family members filed internationally or in key jurisdictions like US, Europe, or China.
- Similar Patents: Search reveals similar patents filed by SecurePay and other Australian fintech entities, indicating a strategic focus on secure electronic payment systems.
Prior art landscape
- Similar patents focus on online payment authentication, including multi-factor schemes.
- Existing art includes US patents (e.g., US10259541B2) covering multi-factor authentication for digital transactions.
- Australian patents in this space often cite prior art involving secure online payment protocols and cryptographic authentication methods.
How does this patent compare to existing patents?
Compared with prior art, AU2019283765:
- Provides a specific process flow integrating multi-factor authentication within a web-based environment.
- Uses communication security protocols, such as SSL/TLS, as a claimed component.
- Emphasizes real-time user authentication linked directly with the transaction process.
The claims are narrower than any broad-based cryptography or transaction core patents, focusing instead on implementation details specific to SecurePay’s platform.
Patent landscape insights
- The Australian patent landscape for online payment authentication is active, with multiple filings from fintech companies.
- Few patents explicitly overlap with claims about integrated multi-factor methods coupled with particular communication protocols.
- The patent family is limited in scope; SecurePay has not filed major international applications, reducing cross-jurisdictional strength.
Implications and strategic position
- The patent adds a layer of intellectual property protection to SecurePay's authentication processes.
- Limited international presence reduces potential for territorial enforcement without further filings.
- Competing companies may design around specific steps in the claims, especially if broader authentication methods or different communication channels are used.
Summary
Scope: Covers a secure online payment system with multi-factor authentication and communication security protocols. Claims are specific to a particular process flow but do not cover fundamental transaction structures.
Claims: Narrow, focusing on process steps, authentication methods, and communication protocols. Some breadth in authentication factors but limited to secure electronic payments.
Landscape: Dominated by Australian fintech entities, with limited international protection. Similar prior art exists, but the patent’s specific implementation details distinguish it.
Strategic considerations: Focus on platform-specific protection; international enforcement requires additional filings.
Key Takeaways
- The patent aims to defend specific multi-factor authentication processes for online payments within the SecurePay system.
- Its narrow claims limit broad enforcement but provide competitive protection over detailed implementation methods.
- The patent landscape in Australia remains active but fragmented, with few broad, enforceable patents covering core payment authentication concepts.
- SecurePay’s focus on implementation-specific protection suggests strategic defense rather than broad technological dominance.
- International patent protection is limited due to absence of foreign family members, highlighting the importance of further filings.
FAQs
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Can this patent block other companies from implementing multi-factor online payments in Australia?
Not fully. The claims are specific to SecurePay’s implemented process flow but do not cover all multi-factor authentication schemes in online payments. Competitors can design alternative methods outside the scope.
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Is this patent enforceable outside Australia?
No. The patent has no granted counterparts elsewhere. Enforcement options depend on future filings in other jurisdictions.
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How does this patent differ from general online payment patents?
It emphasizes multi-factor authentication integrated with secure communication protocols in a specific process flow, whereas broader patents may claim fundamental transaction mechanisms.
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What are the risks of designing around this patent?
Using different authentication factors, communication methods, or process sequences outside the specific claims can circumvent infringement.
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What strategic steps should SecurePay take to expand patent protection?
File international applications in key markets, broaden claim scope to cover alternative authentication methods, and monitor emerging patents in digital payment security.
References
[1] Australian Patent AU2019283765. (2022). "Method and System for Online Payment."
[2] US Patent US10259541B2. (2019). "Secure multi-factor online transaction authentication."
[3] Smith, J. (2021). "Patent Landscape of Online Payment Authentication," Journal of Fintech Law, 12(3), 45-60.
