Late binding tokens

Details Late binding tokens Late binding tokens

2002-05-28

2011-11-15

Agwumezie, Charles C (Department: 3685)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Secure transaction

C705S067000, C705S075000, C709S219000

Reexamination Certificate

active

08060448

ABSTRACT:
A system for verifying intent in a card not present transaction is provided. The system includes a late binding token that is distributable to consumers without necessarily being bound to an account. The system also includes a client software that locates a token server configured to facilitate managing and communicating with the late binding token. The system also includes a protocol concerning how to build a verifiably secure structured proposal that carries an offer to the consumer through the client software.

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X9.59 Payment Card Process—7 pages, May 1, 2002, from www.garlic.com/˜lynn.

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