Registers – Systems controlled by data bearing records – Credit or identification card systems
Reexamination Certificate
2006-12-26
2009-10-13
Le, Thien M. (Department: 2887)
Registers
Systems controlled by data bearing records
Credit or identification card systems
C705S044000, C705S075000, C235S382000
Reexamination Certificate
active
07600676
ABSTRACT:
The present invention relates to a method for authenticating financial transactions by using an additional factor which is not present on a physical card, and which is not used in sequential transactions. In one example, a purchaser provides card information to a merchant; the merchant transmits the card information and transaction information to an issuer; the issuer authenticates the card information, and transmits verification indicia to a target address associated with the card information. The purchaser target address may be the telephone number of a mobile telephone of the purchaser or a third party (e.g. parent). The purchaser or third party provides the verification indicia to a merchant; and the merchant transmits the verification indicia back to the issuer. The issuer authenticates that the received verification indicia relative to that sent to the target address, and thus the purchaser is the genuine or authentic person authorized to use card information; and the issuer approves the transaction.
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Delatorre Renato
Dossal Hasan
Germansky Jess
Murray David
Rados Steven Roy
Cellco Partnership
Johnson Sonji
Le Thien M.
McDermott Will & Emery LLP
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