Online card present transaction

Details Online card present transaction Online card present transaction

2007-09-24

2008-08-19

Fischer, Andrew J. (Department: 3621)

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

Business processing using cryptography

Secure transaction

C706S032000, C726S020000

Reexamination Certificate

active

07415443

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.

REFERENCES:
patent: 5475585 (1995-12-01), Bush
patent: 5557518 (1996-09-01), Rosen
patent: 5559887 (1996-09-01), Davis et al.
patent: 5590197 (1996-12-01), Chen et al.
patent: 5715314 (1998-02-01), Payne et al.
patent: 5724424 (1998-03-01), Gifford
patent: 5754655 (1998-05-01), Hughes et al.
patent: 5778067 (1998-07-01), Jones et al.
patent: 5883810 (1999-03-01), Franklin et al.
patent: 5903882 (1999-05-01), Asay et al.
patent: 5930767 (1999-07-01), Reber et al.
patent: RE36310 (1999-09-01), Bjerrum et al.
patent: 5995626 (1999-11-01), Nishioka et al.
patent: 5999624 (1999-12-01), Hopkins
patent: 6000832 (1999-12-01), Franklin et al.
patent: 6012049 (2000-01-01), Kawan
patent: 6029141 (2000-02-01), Bezos et al.
patent: 6072870 (2000-06-01), Nguyen et al.
patent: 6092078 (2000-07-01), Adolfsson
patent: 6098053 (2000-08-01), Slater
patent: 6101483 (2000-08-01), Petrovich et al.
patent: 6105008 (2000-08-01), Davis et al.
patent: 6163841 (2000-12-01), Venkatesan et al.
patent: 6175922 (2001-01-01), Wang
patent: 6182894 (2001-02-01), Hackett et al.
patent: 6182900 (2001-02-01), Wiehler
patent: 6192349 (2001-02-01), Husemann et al.
patent: 6205437 (2001-03-01), Gifford
patent: 6282656 (2001-08-01), Wang
patent: 6308887 (2001-10-01), Korman et al.
patent: 6327578 (2001-12-01), Linehan
patent: 6421768 (2002-07-01), Purpura
patent: 6456984 (2002-09-01), Demoff et al.
patent: 2001/0034720 (2001-10-01), Armes
patent: 2001/0039535 (2001-11-01), Tsiounis et al.
patent: 2001/0044787 (2001-11-01), Shwartz et al.
patent: 2002/0007320 (2002-01-01), Hogan et al.
patent: 2002/0035548 (2002-03-01), Hogan et al.
patent: 2002/0046092 (2002-04-01), Ostroff
patent: 2002/0128977 (2002-09-01), Nambiar et al.
patent: 0940675 (1999-09-01), None
David Essex, USB Adapter Handles 100-mbps Nets, special to PC World. PC World Online. San Francisco: Sep. 27, 1999. p. 1.
Tait, Fiona and Robert H. Davis; The Development and Future of Home Banking: International Journal of Bank Marketing, v7n2, p. 3-9, 1989.
EVM '96; Ver. 3.1.1; May 31, 1998.
Menezes, et al., “The Handbook of Applied Cyrptography,” 1996, pp. 397-405.
Schultz, Keith, “Network Infrastructure-SSL in the Driver's Seat,” InternetWeek, Nov. 13, 2000, Issue 837, p. 49.
Sandberg, Jared, “Visa, Mastercard Reach an Agreement for Single System of Internet Payment,” Wall Street Journal, New York, NY, Feb. 1, 1996, p. B2.

Affiliated with

Also associated with

Rating

Online card present transaction does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Online card present transaction, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Online card present transaction will most certainly appreciate the feedback.

Rate now

Comments { 0 }

Profile ID: LFUS-PAI-O-4007775