Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2006-11-28
2006-11-28
Elisca, Pierre E. (Department: 3621)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C705S044000, C380S029000, C380S029000
Reexamination Certificate
active
07143069
ABSTRACT:
A computer implemented method and apparatus for ensuring secured dialog between a card holder and a card provider via a network is provided. The system facilitates real-time communicate between a card provider virtual agent and a card holder using a card holder interface operating via a network. In a typical arrangement, the card holder requests completion of a transaction from a merchant system via a network. The upon receiving notification that the transaction request has been denied by the card provider system, the card holder is provided real-time access to the card provider virtual agent. The virtual agent may then send a transaction approval code to the card provider system overriding any transaction denial and permitting the card holder to resubmit the transaction request to the merchant system for subsequent approval.
REFERENCES:
patent: 5495510 (1996-02-01), Kimiavi
patent: 5590197 (1996-12-01), Chen et al.
patent: 5774882 (1998-06-01), Keen et al.
patent: 5797133 (1998-08-01), Jones et al.
patent: 5845267 (1998-12-01), Ronen
patent: 5851149 (1998-12-01), Xidos et al.
patent: 5870723 (1999-02-01), Pare et al.
patent: 5878403 (1999-03-01), DeFrancesco et al.
patent: 5890137 (1999-03-01), Koreeda
patent: 5920628 (1999-07-01), Indeck et al.
patent: 5956024 (1999-09-01), Strickland et al.
patent: 5987132 (1999-11-01), Rowney
patent: 5987498 (1999-11-01), Athing et al.
patent: 5991750 (1999-11-01), Watson
patent: 6006216 (1999-12-01), Griffin et al.
patent: 6014645 (2000-01-01), Cunningham
patent: 6029149 (2000-02-01), Dykstra et al.
patent: 6052675 (2000-04-01), Checchio
patent: 6062472 (2000-05-01), Cheung
patent: 6088686 (2000-07-01), Walker et al.
patent: 6092057 (2000-07-01), Zimmerman et al.
patent: 6123223 (2000-09-01), Watkins
patent: 6141651 (2000-10-01), Riley et al.
patent: 6188994 (2001-02-01), Egendorf
patent: 2001/0051920 (2001-12-01), Joao et al.
patent: 2002/0120537 (2002-08-01), Morea et al.
patent: 91400094.8 (1991-01-01), None
Sage Software (software spec) date, author unknown.
Lacivita Dennis
Mansell Michael
Marshall Vernon
Mulder Michael
Sacheti Sandeep
American Express Travel Related Services Co.
Elisca Pierre E.
Fitzpatrick ,Cella, Harper & Scinto
Winter John M.
LandOfFree
System and method for interactive secure dialog between card... 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 interactive secure dialog between card..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and System and method for interactive secure dialog between card... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-3651402