Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2011-02-15
2011-02-15
Oyebisi, Ojo O (Department: 3695)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S053000
Reexamination Certificate
active
07890433
ABSTRACT:
With the payment system02of the present invention, a customer06may conduct a private and secure payment transaction (i) with a merchant08using a wireless device12, (ii) with a merchant using a payment card100, (iii) with a merchant using a bank card130(iv), with a merchant using any one of the wireless device12, a payment card100or a bankcard130(v) with a private party using a wireless device12and (vi) withdraw cash from an ATM machine using a wireless device12. In all of these embodiments, a customer does not share his identity, personal sensitive data and purchasing habits with the merchants, the banks or the private party. In many of these embodiments, a customer need not carry his bankcards and or personal checks bearing personal and sensitive data with him/her avoiding the risks of theft or loss.
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Kuykendall, Lavonne Credit Card Management , v 12 , n 8 , p. 78-83 , Nov. 1999 Document Type: Periodical; Feature ISSN: 0896-9329 Journal Code: CCM.
Colbert Ella
Oyebisi Ojo O
Roeder, Esq. Steven G.
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