Method for secure transactions utilizing physically...

Details Method for secure transactions utilizing physically... Method for secure transactions utilizing physically...

2011-06-07

2011-06-07

Jacobs, Lashonda T (Department: 2457)

Electrical computers and digital processing systems: multicomput

Computer network managing

C709S203000, C709S217000, C705S026640, C705S044000

Reexamination Certificate

active

07958214

ABSTRACT:
A secure transaction method involves establishing an electronically accessible verification site authorized by the holder of a credit or debit card, and accessing the verification site by a merchant to determine whether a request for goods or services is authorized. The request for goods or services is based upon the use of the credit or debit card, but the card is not physically presented. The verification site is an electronic mail account which may be established by the merchant, card holder or other authorized person or entity. An authorization message is preferably sent from the site to the merchant in response to the step of accessing the verification site by the merchant. The verification site may also be wirelessly accessible, enabling an authorization message to be delivered through a cellular telephone, personal digital assistant, or other mobile device.

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patent: 2002/0083008 (2002-06-01), Smith et al.
patent: 2008/0275820 (2008-11-01), Joao et al.

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