Registers – Systems controlled by data bearing records – Banking systems
Reexamination Certificate
2011-03-22
2011-03-22
Walsh, Daniel (Department: 2887)
Registers
Systems controlled by data bearing records
Banking systems
C235S462010, C235S380000, C235S435000, C705S041000, C705S067000
Reexamination Certificate
active
07909243
ABSTRACT:
A system and method for completing a financial transaction using a wireless communication device is provided. A transaction authorization request is sent from the device to an issuer using SMS. An authentication message is sent from the issuer to the device, and a response is sent by a user of the device to confirm the identity of the user. Once the identity of the user is verified, a surrogate account number, in a bar code format, is sent to the mobile communication device to be read by a POS device to complete the financial transaction. A computer program product enabling the systems and methods described is also provided.
REFERENCES:
patent: 5883810 (1999-03-01), Franklin et al.
patent: 6685093 (2004-02-01), Challa et al.
patent: 7658324 (2010-02-01), Gindele
patent: 2001/0032192 (2001-10-01), Putta et al.
patent: 2001/0034717 (2001-10-01), Whitworth
patent: 2001/0051924 (2001-12-01), Uberti
patent: 2002/0023027 (2002-02-01), Simonds
patent: 2002/0120583 (2002-08-01), Keresman et al.
patent: 2002/0169720 (2002-11-01), Wilson et al.
patent: 2002/0178088 (2002-11-01), Lurie et al.
patent: 2004/0006512 (2004-01-01), Rebsamen
patent: 2004/0143527 (2004-07-01), Benkert et al.
patent: 2006/0180664 (2006-08-01), Barrett et al.
patent: 2006/0242036 (2006-10-01), Walker et al.
patent: 2006/0278698 (2006-12-01), Lovett
patent: 2007/0005445 (2007-01-01), Casper
patent: 2007/0021969 (2007-01-01), Homeier-Beals
patent: 2007/0083444 (2007-04-01), Matthews et al.
patent: 2007/0194123 (2007-08-01), Frantz et al.
patent: 2008/0052164 (2008-02-01), Abifaker
patent: 2008/0059341 (2008-03-01), Narayanaswami et al.
patent: 2008/0120195 (2008-05-01), Shakkarwar
patent: 2008/0201265 (2008-08-01), Hewton
patent: 2008/0210754 (2008-09-01), Lovett
patent: 2009/0094125 (2009-04-01), Killian et al.
patent: 2009/0114716 (2009-05-01), Ramachandran
patent: 2009/0173781 (2009-07-01), Ramachandran
patent: 2009/0182634 (2009-07-01), Park et al.
patent: 2009/0204530 (2009-08-01), Hanson
patent: 2010/0133334 (2010-06-01), Vadhri
patent: 2010/0138347 (2010-06-01), Chen
International Search Report and Written Opinion, issued Jun. 29, 2009, in International Application No. PCT/US 08/74461.
Merkow Mark
Petrone James
American Express Travel Related Services Company Inc.
Snell & Wilmer L.L.P.
Walsh Daniel
LandOfFree
System and method for completing a secure financial... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with System and method for completing a secure financial..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and System and method for completing a secure financial... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-2678864