Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2005-01-04
2005-01-04
Hayes, John W. (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S074000, C705S075000, C705S039000, C705S044000, C235S380000
Reexamination Certificate
active
06839692
ABSTRACT:
A method and structure for providing secure credit facility transactions for purchasing goods and services over a computer network such as the Internet that stores user's privileged information and other transactional data on the user's own computer. The method includes encryption of all information before or during its storage to the user's hard drive. The method and system includes the ability for the user to complete electronic commerce (e-commerce) transactions without revealing certain of the encrypted information, such as credit card numbers, to the merchant. The method and system creates and controls sub-accounts on a single credit facility, such as a credit card, with unique user reporting and corresponding password identifiers. The method and system sets and control sub-accounts spending amounts and replenishment periods. The method enables the user to create and control recurring debit accounts on a single credit facility, such as a credit card, over varying transactional periods.
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Carrott Richard F.
Pheir Hirshol H.
Benedor Corporation
Hayes John W.
McGinn & Gibb PLLC
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