Secure method and system for communicating a list of credit card

Details Secure method and system for communicating a list of credit card Secure method and system for communicating a list of credit card

1995-05-30

1998-02-03

Chin, Wellington

Registers

Coded record sensors

Particular sensor structure

235379, 235380, 235381, 395239, G06F 1760, G06G 752

Patent

active

057153990

ABSTRACT:
A method and system for securely indicating to a customer one or more credit card numbers that a merchant has on file for the customer when communicating with the customer over a non-secure network. The merchant sends a message to the customer that contains only a portion of each of the credit card numbers that are on file with the merchant. The message may also contain a notation explaining which portion of each of the credit card numbers has been extracted. A computer (38) retrieves the credit card numbers on file for the customer in a database (40), constructs the message, and transits the message to a customer location (10) over the Internet network (30) or other non-secure network. The customer can then confirm in a return message that a specific one of the credit card numbers on file with the merchant should be used in charging a transaction. Since only a portion of the credit card number(s) are included in any message transmitted, a third party cannot discover the customer's complete credit card number(s).

REFERENCES:
patent: 5336870 (1994-08-01), Huges et al.
Loshin, P., "Selling Online With . . . First Virtual", Chapters 3 and 4, Charles River Media, Inc., 1996.
Borenstein, N. "Perils and Pitfalls of Practical Internet Commerce (Part I)." <http://www.fv.com/company/first year1.html>, 1996.
Templeton, B., "USENIX-Race to Develop Internet Commerce," Newsbytes News Network, IAC Newsletter, Jan. 1995.
"Wells Fargo and CyberCash Team Up to Provide Secure Online Payment Systems," CyberCash News Release, Dec. 1994.
Somogyi, S., "How Would You Like to Pay for That? A Guide to Digital Cash and Carry Technology," Digital Media, v4, n7, p. 13, Dec. 1994.

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