Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2011-08-09
2011-08-09
Hamilton, Lalita M (Department: 3691)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S038000
Reexamination Certificate
active
07996288
ABSTRACT:
In a communications network-based system, a method for securely processing recurrent consumer transactions. Merchant-specific proxy financial account information is provided to a user and maintained in a database, the proxy financial account information valid for transactions at a single merchant only. A request for transaction approval is received from a merchant, the request including a merchant identifier and a user's proxy financial account information. The database is queried to determine if the proxy financial account is valid for the merchant seeking transaction approval. The proxy financial account information may include a credit card account number and/or a proxy billing address linked to a financial account. A merchant identifier string, identifying the authorized merchant, may be encoded in the credit card number and/or proxy billing address. A communications network-based system and software program for implementing the present invention are also disclosed.
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Hamilton Lalita M
iPrivacy, LLC
Ward & Olivo LLP
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