Merchant facilitation of online card present transaction

Details Merchant facilitation of online card present transaction Merchant facilitation of online card present transaction

2011-01-18

2011-01-18

Fischer, Andrew J. (Department: 3621)

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

Business processing using cryptography

Secure transaction

C380S052000, C726S009000, C713S159000

Reexamination Certificate

active

07873579

ABSTRACT:
An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via an authentication device. The host system, after authenticating a user is configured to retrieve the user's account information from a user database system and translate a user account number into a temporary transaction number. The temporary transaction number is then transmitted directly from the host system to the merchant, thereby eliminating the need for the user to send to the merchant over the internet, the user's transaction account number.

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