Online card present transaction

Details Online card present transaction Online card present transaction

2007-11-06

2007-11-06

Hewitt, II, Calvin Loyd (Department: 3621)

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

Business processing using cryptography

Secure transaction

C705S064000, C705S078000

Reexamination Certificate

active

09943658

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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