US20120095917A1 - System and method for performing secure credit card purchases - Google Patents
System and method for performing secure credit card purchases Download PDFInfo
- Publication number
- US20120095917A1 US20120095917A1 US13/191,066 US201113191066A US2012095917A1 US 20120095917 A1 US20120095917 A1 US 20120095917A1 US 201113191066 A US201113191066 A US 201113191066A US 2012095917 A1 US2012095917 A1 US 2012095917A1
- Authority
- US
- United States
- Prior art keywords
- transaction
- transaction code
- payment category
- purchase
- limits
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
Definitions
- This invention relates to a system and method of performing secure credit card purchases in connection with remote commercial transactions, wherein a credit card holder does not have to reveal their credit card number to a merchant or a mechanism controlled by the merchant in order to accomplish a purchase, and wherein the merchant is still assured of the necessary credit verifications and approvals prior to authorizing and/or completing a credit card transaction, thereby increasing overall security by minimizing any access to credit card numbers without having to substantially modify or deviate from existing, accepted credit card transaction practices.
- the present invention is directed towards a system and method of performing secure credit card purchases, wherein payment for goods or services purchased is efficiently accomplished while eliminating the necessity of disclosure or dissemination of a consumers specific credit card number or other account data which the customer or other individual may wish to maintain in confidence.
- the system and method of the present invention incorporates the advantage of consummating the purchase by the customer through the selection of any one of a plurality of predetermined payment categories.
- the payment categories represent a variety of methods for accomplishing payment for a fixed transaction, a multiple transaction and/or a repeating transaction.
- One embodiment of the system and method of the present invention comprises a customer receiving information, including specific data necessary for the purchase of any given product or service.
- This promotional information generated by the merchant can be received by any of a plurality of conventional means including advertisements, catalogues, computer network connections, direct person to person customer and merchant contact, telephone solicitation, mail orders, etc.
- the customer contacts and supplies a custodial authorizing entity with the requisite information concerning both the identification of a specific credit card or debit card account and a requested payment category.
- security against unauthorized use of confidential account data may also preferably include information relating to the merchant's identification and/or location.
- the custodial authorizing entity is preferably defined as the entity which has or has been assigned the custodial responsibility for the financial account data of a customer's credit card account, including a previous knowledge of the credit card number and other information such as credit limits, payment history, available credit amounts and other information which will determine the status of a given credit card account in terms of authorizing a requested payment for a current purchase.
- the custodial authorizing entity includes sufficient facilities, preferably including a processing computer or like applicable hardware for the generation of an exclusive transaction code.
- the transaction code is to be used in substitution for the credit card number and when utilized as authorized, will issue the merchant a credit approval, and will accomplish payment for the goods or services desired in the normal fashion normally associated with a credit or debit card transaction, without the publication or dissemination of an identifying credit card number for a specific customer's account to any entity that is not already aware of that information.
- a feature of the transaction code is its ability to indicate any one of preferably a plurality of predetermined payment categories which may be either requested by the customer or automatically chosen by the custodial authorizing entity based on the type of account or the type of purchase or other commercial transaction involved.
- Each of the payment categories are reflective of a different type of payment desired or required to consummate the intended purchase.
- the plurality of payment categories may include a single transaction involving a specific dollar amount for a purchase within a specific time period, such as twenty four hours, during which authorization of the purchase remains valid. Alternately, a single transaction may be involved wherein a maximum limit or a dollar amount is determined above which the purchase will become invalidated and further wherein a fixed period of time is preferably established for maintaining authorization of such purchase.
- a further feature of the present invention to be described in greater details hereinafter, is the requirement that the transaction code, once received by the customer is transmitted to the merchant by the customer or a person specifically authorized by the customer. Only minimal contact by the merchant and the custodial authorizing entity is provided for purposes of the merchant verifying the validity of the transaction code utilizing a conventional process electronically or otherwise similar to the verification of a credit card number normally offered to a merchant for the purchase of goods or services. There is, therefore, no disclosure, publication or other dissemination of the specific credit card number of a given customer account beyond those entities who already know the information, and the transaction code is transmitted exclusively to the customer by the custodial authorizing entity who has the ability to better identify whether the customer is properly authorized to use the account. Moreover, the transaction code, once given out by the customer, only has a limited usefulness, thereby limiting the risk of misuse and minimizing the potential losses to be experienced by the credit card company and/or the account holder.
- Yet another object of the present invention is to provide a secure system and method for establishing credit card purchases which eliminate the disclosure or dissemination of the actual credit card number to anyone other than a custodial authorizing entity which normally has custodial responsibilities for account information including the previously established credit card number.
- FIG. 1 is a schematic representation of a flow chart showing various steps involved in the performance of the system and method of the present invention for the secure credit card purchasing;
- FIG. 2 is a schematic representation similar to that of FIG. 1 wherein customer to merchant contact is accomplished by conventional facilities such as television; and
- FIG. 3 is a schematic representation similar that of FIG. 2 wherein customer to merchant contact is established either by phone or in person.
- the present invention is directed towards a system and method for accomplishing secure credit card purchases.
- these purchases can be “in person”, but preferably include remote commercial transactions such as mail order, purchases over the internet, television solicitations, telephone solicitations, etc.
- Security is establish by virtue of the elimination of the need to disclose an active credit card number and expiration date to the merchant or any other party other than the original credit card company, issuing bank or like financial institution which already has custodial responsibilities for the financial or account data associated with a given customer's credit card account.
- the system as well as an attendant method is preferably instigated by the customer viewing a product, identifying a desired amount for a transaction and/or receiving promotional information as at 10 , either in person or by any of the electronic or more conventional techniques which will be described in greater detail with reference to FIGS. 2 through 3 .
- the customer reviews the product or promotional information and has sufficient information, such as including price, product or service identification, payment requirement, etc., regarding the remote commercial transaction to be conducted, the customer contacts, either by computer, telephone or in person, a custodial authorizing entity as at 12 .
- the custodial authorizing entity may herein be defined as comprising that entity or institution which has or has been designated by the entity which has custodial responsibility for the financial data and security of a given credit card account of a customer.
- custodial authorizing entity can be represented by the credit card company issuing a credit card to a given customer or alternately can be represented by a bank or other financial institution serving to sponsor a credit card or debit card to the extent of processing the debits and credit associated therewith.
- the authorizing entity's custodial responsibilities of course includes the previous knowledge and/or storage of the credit card number serving to identify a specific customer's credit card account.
- the customer then supplies appropriate identification data to inform the custodial authorizing entity of a specific customer's credit card account as at 14 .
- the customer will supply the custodial authorizing entity with additional required information needed to consummate the purchase as well as ensure the security of the account in order to prevent its unauthorized use.
- additional information may preferably include the identification of the merchant or merchants involved, when such information is deemed necessary, and a requested one of a plurality of predetermined payment categories to facilitate consummation of the purchase of the products or services desired.
- Such predetermined plurality of payment categories will be discussed in greater detail hereinafter.
- the custodial authorizing entity verifies the credit card status and account identification of the customer to determine the viability of the account in terms of dollar amount limits, payment history, available credit balance, etc. If the accessed credit card account is not in good standing, the custodial authorizing entity will permanently or temporarily terminate the transaction as at 18 and/or communicate to the customer directly as at 18 ′ by any applicable means for purposes of informing the customer of the unacceptable status of the accessed credit card account. If the credit card account is in good standing, based at least in part on the requested payment category, (amount of payment), the custodial authorizing entity generates a transaction code as at 20 .
- the transaction code is used in substitution for the specific credit card number which would normally identify a customer's credit card account and would allow access thereto by any entity having possession of the credit card number whether or not such possession was authorized or unauthorized. More specifically, the transaction code is pre-coded to be indicative of a specific credit card account, preferably a merchant or merchants identification and a designated payment category, selected from the plurality of predetermined payment categories as set forth above. Once generated, the transaction code is communicated exclusively to the authorized and verified customer by the custodial authorizing entity as at 22 , wherein the system and method of the present invention preferably restricts communication between the custodial authorizing entity and the merchant except to conduct a normal verification as will be explained.
- the verified customer thereafter and preferably within a time limit to be determined by the customer and pre-coded in association with the transaction code, will directly or through an authorized representative communicate the transaction code to the merchant as at 24 .
- the system and method of the preferred embodiment of the present invention contemplates that only the verified customer will transmit the generated transaction code to the merchant in the case of a remote commercial transaction, thereby limiting knowledge of the transaction code to those parties having a need to know.
- the transaction code will generally have a limited value as defined by the verified customer when obtained, the verified customer may designate an agent or other entity to act as the customer on his/her behalf, with the amount of potential liability to be experienced by such a transaction to be limited to the amount defined by the verified customer when obtaining the transaction code.
- the purchase is consummated at least from the customer standpoint in that the customer has previously established the acceptable status of the account. Therefore the customer feels free to disclose the transaction code to the merchant or merchants instead of the actual credit card number as at 22 , 24 and is relatively unconcerned if the transaction code is published or otherwise disseminated to unauthorized entities.
- the pre-coding of the transaction code will prohibit an unauthorized use due at least in part to the fact that the merchant is specifically identified and any attempt to use the transaction code other than by the identified merchant will be prohibited.
- the merchant is prevented from “overcharging” or “extending” the purchase by fixing the dollar amount to satisfy the specific cost or limit of the purchase as well as a specific time limit or time parameters in which the authorization for payment is valid.
- Such information is communicated by the requested and subsequently designated payment category as set forth above.
- Restricted communication between the merchant and the custodial authorizing entity as at 26 is permitted exclusively for purposes of verification of the transaction code in a manner, which may utilize, at least to some extent, conventional facilities for the verification of a credit card number by most merchants or like commercial establishments.
- the merchant also has a desired verification as to the validity of a transaction and can effectively make arrangements to be paid by the credit card company.
- the customer may be informed directly by the merchant as at 28 and or the transaction may be terminated as at 30 .
- the merchant proceeds to consummate the purchase and send the order, as at 32 , in the case of a remote commercial transaction.
- FIGS. 3 and 4 are representative of the versatility of the system and method of the present invention wherein the customer 54 may receive the aforementioned promotional information from the merchant 56 by any appropriate means such as television solicitation as at 58 , phone solicitation as at 60 and/or personal solicitation as at 62 .
- the customer receives the promotional information, which may include the viewing of the product itself, or in advance if a general estimate as to the ultimate cost of an anticipate purchase(s) can be made prior to viewing promotional information
- the customer contacts the custodial authorizing entity 64 by any appropriate electronic or conventional facilities such as direct phone to phone contact as at 66 and 66 ′ or direct computer contact as at 46 ′, 45 ′.
- the customer's authorization is confirmed, details of the anticipated transaction are established so as to determine a payment category, and the a transaction code is issued to the customer.
- the customer either directly or through a representative, can then utilize the transaction code to consummate a transaction within the defined parameters of the payment category.
- the merchant 56 through a conventional, yet restricted communication with the custodial authorizing entity 64 by any of a plurality of conventional or electronic methods using computer to computer linking as at 44 ′, 45 ′ or by telephone transmission as at 56 ′, 66 ′, can obtain a verification and subsequent payment utilizing the transaction code only.
- an important feature of the present invention is the ability of the customer to request a desired or a required payment category and the ability of the custodial authorizing entity 64 and/or a processing computer 45 of the custodial authorizing entity to issue a transaction code in accordance with the payment category.
- the payment categories may be collectively defined as a variety of different types of transactions. Such transactions may include a single transaction for a specific amount of a purchase to be consummated. Alternatively, the payment category may include a single transaction defined by a single purchase having a maximum limit amount, wherein the specific or precise cost of the purchase has not been determined for a variety of reasons, and as such, the customer desires to set a maximum amount for which the single transaction may be made.
- the exact amount may not be known in advance, but the customer is assured of not paying over the specifically designated maximum limit.
- the transactions are preferably, but not necessarily, authorized to be conducted only over a fixed life period of time, such as within twenty four hours, thereby ensuring that an outstanding transaction code does not remain valid if not used as generally intended. This limited time period can, of course be varied or omitted depending upon the wishes of the customer and/or the policies of the custodial authorizing entity.
- these or any other payment category transactions may include a specific merchant identification to further restrict use of the transaction code.
- the payment category may also include a multi-transaction authorization wherein more than one purchase may be made from one or a plurality of different merchants, each of which may or may not be identified by the customer and pre-coded in association with the transaction code, and wherein a total cost of the plurality of purchases may not exceed a maximum limit amount.
- This transaction can also be limited to having to take place within a predetermined, designated fixed life span, such as but not limited to twenty four hours.
- the customer may designate a maximum amount which can be spent utilizing a particular transaction code within a predetermined period of time, and/or can designate that only one merchant, whether designated or not, can use the transaction code.
- the payment category may include a repeating transaction for a specific amount to be paid in each of a fixed number of intervals.
- the customer may which to join a gym or receive services or products over a fixed number of payment intervals, such as every thirty days. Accordingly, the merchant will be authorized to charge the credit card account designated by the corresponding transaction code a fixed monthly payment.
- a repeating transaction for a stated minimum interval such as every thirty days may be authorized for a specific amount for an unspecified number of intervals wherein the merchant will be authorized to continuously obtain payment on a “monthly” basis until the customer decides to cancel such authorization.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Marketing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
A method and system of performing secure credit card purchases in the context of a remote commercial transaction, such as over the telephone, wherein only the customer, once generally deciding upon a product or service to be purchased, communicates with a custodial authorizing entity, such as a credit card company or issuing bank wherein such entity has previous knowledge of the credit card number as well as custodial control of other account parameters such as interest rate, payment history, available credit limit etc. The customer supplies the custodial authorizing entity with the account identification data such as the credit card number and a requested one of a possible plurality of predetermined payment categories which define the dollar amount for the purchase and specific, predetermined time parameters within which authorization by the custodial authorizing entity will remain in effect. The custodial authorizing entity then generates a transaction code which is communicated exclusively to the customer wherein the customer in turn communicates only the transaction code to the merchant instead of a credit card number. The transaction code is indicative of merchant identification, credit card account identification and a designated one of the plurality of predetermined payment categories.
Description
- This application is a continuation of pending U.S. patent application Ser. No. 12/902,399, filed on Oct. 12, 2010, which is a continuation of U.S. patent application Ser. No. 11/252,009, filed on Oct. 17, 2005 and now U.S. Pat. No. 7,840,486, issued on Nov. 23, 2010, which is a continuation of U.S. patent application Ser. No. 10/037,007, filed on Nov. 4, 2001, which is a continuation-in-part of U.S. patent application Ser. No. 09/231,745, filed on Jan. 15, 1999 and now U.S. Pat. No. 6,324,526, issued on Nov. 27, 2001, which the entirety of each are incorporated herein by reference.
- 1. Field of the Invention
- This invention relates to a system and method of performing secure credit card purchases in connection with remote commercial transactions, wherein a credit card holder does not have to reveal their credit card number to a merchant or a mechanism controlled by the merchant in order to accomplish a purchase, and wherein the merchant is still assured of the necessary credit verifications and approvals prior to authorizing and/or completing a credit card transaction, thereby increasing overall security by minimizing any access to credit card numbers without having to substantially modify or deviate from existing, accepted credit card transaction practices.
- 2. Description of the Related Art
- The utilization of credit and debit cards to conduct transactions is ever increasing. This is especially the case with remote or “mail-order” transactions wherein merchants desire to be assured of a payment prior to shipping a product. For example, recent years have seen a substantial increase in the popularity of televised shopping networks to further supplement the popularity of catalogue type sales. Moreover, the increasing use and popularity of distributed computer networks such as the internet has also contributed to the dramatic increase in the number of remote commercial transactions conducted every day.
- One primary reason associated with the rapid growth of remote commercial transactions is the ability of a merchant to reach an almost limitless number of potential customers at a substantially insignificant cost and with little or no operating overhead since an actual store is not required. Additionally, such sales techniques permit customers to view the products and services in a greatly expanded marketplace, representing a great number of vendors, without extensive travel and without foregoing the privacy and convenience of their home or other predetermined computer site in some cases. Simply put, a telephone or like communication avenue is all that is needed to place the consumer in contact with the merchant and complete the transaction.
- The vast increase in popularity of remote commercial transactions conducted over the telephone or internet is further facilitated by the relatively simple protocols and procedures necessary to conduct such transactions. In particular, in order to complete a valid transaction, a merchant need not physically see the customer or the credit card, but must merely accept and enter a customer's credit card account number and an expiration date thereof to obtain authorization. This same convenience, however, is the primary disadvantage and/or problem associated with conducting commerce in the manners set forth above. Specifically, there is a great reluctance on the part of the customer to transmit the credit card account information, including the credit card number, because of the proliferation of fraud, and a well recognized lack of security directed to the protection of such account information. Indeed, it has been established that security and privacy concerns are realistic due to the fact that credit card account data is easily readable or interceptable by unauthorized parties, and can be readily used for all types of remote transactions with minimal risk of being physically caught. In fact, unscrupulous individuals have many ways of gaining access to a consumer's legitimate remote transactions and thereby obtaining the credit card information. This information can be obtained from old credit card receipts or even from the unauthorized notation and use of the information by merchants or their employees after a legitimate transaction is made. Naturally, the latter is the most difficult to prevent utilizing known methods and systems unless a consumer is willing to completely forego the use of a credit card for purchases.
- In the case of computerized remote transactions, as messages, including account data or other confidential information, move across the internet, they can easily pass through numerous computers, any one of which can be utilized to copy such confidential information or data, thereby leading to a further risk of potential fraud when conducting such transactions. Presently, some companies currently seek to address such security and privacy concerns by the employment of encryption programs and techniques. To this end there is an extensive facility associated with both public and private encryption schemes being deployed in order to guard the private or secured information being transmitted across the internet or like world wide networks. Unfortunately, however, even with such encryption techniques, the account information must usually still ultimately be transmitted to a third party who did not previously have access to that information previously. Even some more sophisticated systems which seek to interpose a separate computer or encryption entity between the consumer and the merchant so as to obtain authorization and forward it to the merchant, that information must still be made available to and/or transmitted to that third party, thereby leaving open an avenue for fraud or theft. Further, such encryption techniques, even if minimally effective for computerized remote transactions, are not truly useable for other conventional types of remote transactions, or even normal in person transactions.
- Based on the above, there is an obvious need in the field of art associated with remote commercial transactions for a system and method of performing secure credit card purchases of goods and services which truly reduces the risk of potential fraud and theft by eliminating outside access to a consumer's private credit card information without requiring complex encryption equipment or significantly altering the ease and convenience of current transaction techniques. Further, such a system and method should also be effective for use in conventional, “in person” transactions as well, thereby providing an added measure of security and minimizing the hazards associated with the passing on of account information by unscrupulous merchants. Also, such a system should provide limits to potential loss or liability in a manner which does not impede the transaction.
- The present invention is directed towards a system and method of performing secure credit card purchases, wherein payment for goods or services purchased is efficiently accomplished while eliminating the necessity of disclosure or dissemination of a consumers specific credit card number or other account data which the customer or other individual may wish to maintain in confidence. The system and method of the present invention incorporates the advantage of consummating the purchase by the customer through the selection of any one of a plurality of predetermined payment categories. Collectively, the payment categories represent a variety of methods for accomplishing payment for a fixed transaction, a multiple transaction and/or a repeating transaction.
- One embodiment of the system and method of the present invention comprises a customer receiving information, including specific data necessary for the purchase of any given product or service. This promotional information generated by the merchant can be received by any of a plurality of conventional means including advertisements, catalogues, computer network connections, direct person to person customer and merchant contact, telephone solicitation, mail orders, etc. Once the customer has identified the product or services which he/she wishes to purchase, the customer contacts and supplies a custodial authorizing entity with the requisite information concerning both the identification of a specific credit card or debit card account and a requested payment category. Additionally, security against unauthorized use of confidential account data may also preferably include information relating to the merchant's identification and/or location.
- The custodial authorizing entity is preferably defined as the entity which has or has been assigned the custodial responsibility for the financial account data of a customer's credit card account, including a previous knowledge of the credit card number and other information such as credit limits, payment history, available credit amounts and other information which will determine the status of a given credit card account in terms of authorizing a requested payment for a current purchase.
- As part of the security system for accomplishing a commercial transaction utilizing credit card or debit card payment, the custodial authorizing entity includes sufficient facilities, preferably including a processing computer or like applicable hardware for the generation of an exclusive transaction code. The transaction code is to be used in substitution for the credit card number and when utilized as authorized, will issue the merchant a credit approval, and will accomplish payment for the goods or services desired in the normal fashion normally associated with a credit or debit card transaction, without the publication or dissemination of an identifying credit card number for a specific customer's account to any entity that is not already aware of that information.
- Further, a feature of the transaction code is its ability to indicate any one of preferably a plurality of predetermined payment categories which may be either requested by the customer or automatically chosen by the custodial authorizing entity based on the type of account or the type of purchase or other commercial transaction involved. Each of the payment categories are reflective of a different type of payment desired or required to consummate the intended purchase. More specifically, the plurality of payment categories may include a single transaction involving a specific dollar amount for a purchase within a specific time period, such as twenty four hours, during which authorization of the purchase remains valid. Alternately, a single transaction may be involved wherein a maximum limit or a dollar amount is determined above which the purchase will become invalidated and further wherein a fixed period of time is preferably established for maintaining authorization of such purchase. Other alternatives would involve one or more of the categories coded to define multiple transactions involving a maximum dollar amount for purchases, as well as a fixed period of time for authorization of such purchases, and/or a repeating transaction wherein payments may be automatically accessed by a merchant over a predetermined or unspecified time interval (such as every thirty days) for a specific dollar amount or a maximum dollar amount limit. Also, limits solely as to a specific merchant or a given time period can be effectively established for which the transaction code is valid.
- A further feature of the present invention to be described in greater details hereinafter, is the requirement that the transaction code, once received by the customer is transmitted to the merchant by the customer or a person specifically authorized by the customer. Only minimal contact by the merchant and the custodial authorizing entity is provided for purposes of the merchant verifying the validity of the transaction code utilizing a conventional process electronically or otherwise similar to the verification of a credit card number normally offered to a merchant for the purchase of goods or services. There is, therefore, no disclosure, publication or other dissemination of the specific credit card number of a given customer account beyond those entities who already know the information, and the transaction code is transmitted exclusively to the customer by the custodial authorizing entity who has the ability to better identify whether the customer is properly authorized to use the account. Moreover, the transaction code, once given out by the customer, only has a limited usefulness, thereby limiting the risk of misuse and minimizing the potential losses to be experienced by the credit card company and/or the account holder.
- Accordingly, it is an object of the present invention to provide a system and attendant method for performing remote commercial transactions utilizing credit cards, which maximizes the security of the transaction and limits the potential liability to be experienced from a fraudulent transaction.
- Yet another object of the present invention is to provide a secure system and method for establishing credit card purchases which eliminate the disclosure or dissemination of the actual credit card number to anyone other than a custodial authorizing entity which normally has custodial responsibilities for account information including the previously established credit card number.
- It is another object of the present invention to provide a system and method of establishing secure credit card purchases through the generation of a transaction code which renders it extremely difficult or impossible to access or infiltrate a customer's credit card account by unauthorized means.
- It is yet another object of the present invention to provide a secure method of completing a remote commercial transaction which eliminates the need to convey actual account information to a merchant, but which allows the merchant to conduct a normal verification of information needed to consummate a given purchase.
- It is also an object of the present invention to provide a system and attendant method of accomplishing secure credit card purchases which eliminates the need to disclose or disseminate a given credit card number while providing the customer with the versatility of choosing any one of a plurality of predetermined payment categories.
- It is yet another feature of the present invention to provide a system and method of accomplishing secure credit card payments having the versatility of allowing the customer to select any one of a plurality of payment categories which are indicative of a variance in the amount of a purchase as well as the time in which authorization for such payment is valid.
- These and other objects, features and advantages of the present invention will become more clear when the drawings as well as the detailed description are taken into consideration.
- For a fuller understanding of the nature of the present invention, reference should be had to the following detailed description taken in connection with the accompanying drawings in which:
-
FIG. 1 is a schematic representation of a flow chart showing various steps involved in the performance of the system and method of the present invention for the secure credit card purchasing; -
FIG. 2 is a schematic representation similar to that ofFIG. 1 wherein customer to merchant contact is accomplished by conventional facilities such as television; and -
FIG. 3 is a schematic representation similar that ofFIG. 2 wherein customer to merchant contact is established either by phone or in person. - Like reference numerals refer to like parts throughout the several views of the drawings.
- As shown in the accompanying Figures, the present invention is directed towards a system and method for accomplishing secure credit card purchases. Moreover, these purchases can be “in person”, but preferably include remote commercial transactions such as mail order, purchases over the internet, television solicitations, telephone solicitations, etc. Security is establish by virtue of the elimination of the need to disclose an active credit card number and expiration date to the merchant or any other party other than the original credit card company, issuing bank or like financial institution which already has custodial responsibilities for the financial or account data associated with a given customer's credit card account.
- More specifically and with reference to
FIG. 1 the system as well as an attendant method is preferably instigated by the customer viewing a product, identifying a desired amount for a transaction and/or receiving promotional information as at 10, either in person or by any of the electronic or more conventional techniques which will be described in greater detail with reference toFIGS. 2 through 3 . Once the customer reviews the product or promotional information and has sufficient information, such as including price, product or service identification, payment requirement, etc., regarding the remote commercial transaction to be conducted, the customer contacts, either by computer, telephone or in person, a custodial authorizing entity as at 12. The custodial authorizing entity may herein be defined as comprising that entity or institution which has or has been designated by the entity which has custodial responsibility for the financial data and security of a given credit card account of a customer. As set forth above such custodial authorizing entity can be represented by the credit card company issuing a credit card to a given customer or alternately can be represented by a bank or other financial institution serving to sponsor a credit card or debit card to the extent of processing the debits and credit associated therewith. The authorizing entity's custodial responsibilities of course includes the previous knowledge and/or storage of the credit card number serving to identify a specific customer's credit card account. Once contacted, the customer then supplies appropriate identification data to inform the custodial authorizing entity of a specific customer's credit card account as at 14. In addition, the customer will supply the custodial authorizing entity with additional required information needed to consummate the purchase as well as ensure the security of the account in order to prevent its unauthorized use. Such additional information may preferably include the identification of the merchant or merchants involved, when such information is deemed necessary, and a requested one of a plurality of predetermined payment categories to facilitate consummation of the purchase of the products or services desired. Such predetermined plurality of payment categories will be discussed in greater detail hereinafter. - Once the appropriate information has been received from the customer as indicated at 16, the custodial authorizing entity verifies the credit card status and account identification of the customer to determine the viability of the account in terms of dollar amount limits, payment history, available credit balance, etc. If the accessed credit card account is not in good standing, the custodial authorizing entity will permanently or temporarily terminate the transaction as at 18 and/or communicate to the customer directly as at 18′ by any applicable means for purposes of informing the customer of the unacceptable status of the accessed credit card account. If the credit card account is in good standing, based at least in part on the requested payment category, (amount of payment), the custodial authorizing entity generates a transaction code as at 20. The transaction code is used in substitution for the specific credit card number which would normally identify a customer's credit card account and would allow access thereto by any entity having possession of the credit card number whether or not such possession was authorized or unauthorized. More specifically, the transaction code is pre-coded to be indicative of a specific credit card account, preferably a merchant or merchants identification and a designated payment category, selected from the plurality of predetermined payment categories as set forth above. Once generated, the transaction code is communicated exclusively to the authorized and verified customer by the custodial authorizing entity as at 22, wherein the system and method of the present invention preferably restricts communication between the custodial authorizing entity and the merchant except to conduct a normal verification as will be explained.
- The verified customer thereafter and preferably within a time limit to be determined by the customer and pre-coded in association with the transaction code, will directly or through an authorized representative communicate the transaction code to the merchant as at 24. The system and method of the preferred embodiment of the present invention contemplates that only the verified customer will transmit the generated transaction code to the merchant in the case of a remote commercial transaction, thereby limiting knowledge of the transaction code to those parties having a need to know. Of course, however, as the transaction code will generally have a limited value as defined by the verified customer when obtained, the verified customer may designate an agent or other entity to act as the customer on his/her behalf, with the amount of potential liability to be experienced by such a transaction to be limited to the amount defined by the verified customer when obtaining the transaction code.
- At this point the purchase is consummated at least from the customer standpoint in that the customer has previously established the acceptable status of the account. Therefore the customer feels free to disclose the transaction code to the merchant or merchants instead of the actual credit card number as at 22, 24 and is relatively unconcerned if the transaction code is published or otherwise disseminated to unauthorized entities. In a preferred embodiment wherein a merchant identifier is pre-coded in association with the transaction code, the pre-coding of the transaction code will prohibit an unauthorized use due at least in part to the fact that the merchant is specifically identified and any attempt to use the transaction code other than by the identified merchant will be prohibited. In addition, the merchant is prevented from “overcharging” or “extending” the purchase by fixing the dollar amount to satisfy the specific cost or limit of the purchase as well as a specific time limit or time parameters in which the authorization for payment is valid. Such information, as set forth above, is communicated by the requested and subsequently designated payment category as set forth above. Restricted communication between the merchant and the custodial authorizing entity as at 26 is permitted exclusively for purposes of verification of the transaction code in a manner, which may utilize, at least to some extent, conventional facilities for the verification of a credit card number by most merchants or like commercial establishments. As a result, the merchant also has a desired verification as to the validity of a transaction and can effectively make arrangements to be paid by the credit card company.
- If for some reason the transaction code is refused verification, the customer may be informed directly by the merchant as at 28 and or the transaction may be terminated as at 30. Assuming verification of the transaction code by the custodial authorizing entity, the merchant proceeds to consummate the purchase and send the order, as at 32, in the case of a remote commercial transaction.
-
FIGS. 3 and 4 are representative of the versatility of the system and method of the present invention wherein thecustomer 54 may receive the aforementioned promotional information from themerchant 56 by any appropriate means such as television solicitation as at 58, phone solicitation as at 60 and/or personal solicitation as at 62. Once the customer receives the promotional information, which may include the viewing of the product itself, or in advance if a general estimate as to the ultimate cost of an anticipate purchase(s) can be made prior to viewing promotional information, the customer contacts the custodial authorizingentity 64 by any appropriate electronic or conventional facilities such as direct phone to phone contact as at 66 and 66′ or direct computer contact as at 46′, 45′. Once the customer's authorization is confirmed, details of the anticipated transaction are established so as to determine a payment category, and the a transaction code is issued to the customer. The customer, either directly or through a representative, can then utilize the transaction code to consummate a transaction within the defined parameters of the payment category. Moreover, themerchant 56, through a conventional, yet restricted communication with the custodial authorizingentity 64 by any of a plurality of conventional or electronic methods using computer to computer linking as at 44′, 45′ or by telephone transmission as at 56′, 66′, can obtain a verification and subsequent payment utilizing the transaction code only. - As emphasized above, an important feature of the present invention is the ability of the customer to request a desired or a required payment category and the ability of the custodial authorizing
entity 64 and/or aprocessing computer 45 of the custodial authorizing entity to issue a transaction code in accordance with the payment category. The payment categories, may be collectively defined as a variety of different types of transactions. Such transactions may include a single transaction for a specific amount of a purchase to be consummated. Alternatively, the payment category may include a single transaction defined by a single purchase having a maximum limit amount, wherein the specific or precise cost of the purchase has not been determined for a variety of reasons, and as such, the customer desires to set a maximum amount for which the single transaction may be made. Accordingly, with such a payment category, the exact amount may not be known in advance, but the customer is assured of not paying over the specifically designated maximum limit. In addition, the transactions are preferably, but not necessarily, authorized to be conducted only over a fixed life period of time, such as within twenty four hours, thereby ensuring that an outstanding transaction code does not remain valid if not used as generally intended. This limited time period can, of course be varied or omitted depending upon the wishes of the customer and/or the policies of the custodial authorizing entity. Also, these or any other payment category transactions may include a specific merchant identification to further restrict use of the transaction code. - The payment category may also include a multi-transaction authorization wherein more than one purchase may be made from one or a plurality of different merchants, each of which may or may not be identified by the customer and pre-coded in association with the transaction code, and wherein a total cost of the plurality of purchases may not exceed a maximum limit amount. This transaction can also be limited to having to take place within a predetermined, designated fixed life span, such as but not limited to twenty four hours. Accordingly, in some instances wherein a customer, or an agent of the customer, such as a child, guardian, or care giver, must make a number of transactions or purchases which are authorized by the customer, the customer may designate a maximum amount which can be spent utilizing a particular transaction code within a predetermined period of time, and/or can designate that only one merchant, whether designated or not, can use the transaction code.
- As yet another alternative, the payment category may include a repeating transaction for a specific amount to be paid in each of a fixed number of intervals. For example, the customer may which to join a gym or receive services or products over a fixed number of payment intervals, such as every thirty days. Accordingly, the merchant will be authorized to charge the credit card account designated by the corresponding transaction code a fixed monthly payment. Similarly, a repeating transaction for a stated minimum interval such as every thirty days may be authorized for a specific amount for an unspecified number of intervals wherein the merchant will be authorized to continuously obtain payment on a “monthly” basis until the customer decides to cancel such authorization.
- Since many modifications, variations and changes in detail can be made to the described preferred embodiment of the invention, it is intended that all matters in the foregoing description and shown in the accompanying drawings be interpreted as illustrative and not in a limiting sense. Thus, the scope of the invention should be determined by the appended claims and their legal equivalents.
Claims (29)
1. A method for implementing a system for performing secure credit card purchases, the method comprising the steps:
a) receiving account information from an account holder identifying an account that is used to make credit card purchases;
b) receiving a request from said account holder for a transaction code to make a purchase within a pre-determined payment category that limits transactions, said payment category including at least one parameter which further limits transactions subsequent to said payment category being predetermined;
c) generating a transaction code utilizing a processing computer of a custodial authorizing entity, said transaction code associated with said account and reflecting at least the limits of said payment category, to make a purchase within said payment category;
d) communicating said transaction code to said account holder;
e) receiving a request to authorize payment for a purchase using said transaction code; and
f) authorizing payment for said purchase if said purchase is within said payment category.
2. The method of claim 1 , wherein the step of receiving account information from an account holder identifying an account that is used to make credit card purchases further comprises receiving information identifying a credit card account.
3. The method of claim 1 , wherein the step of generating a transaction code utilizing a processing computer of said custodial authorizing entity further comprises generating a transaction code which reflects at least one of a plurality of said payment categories.
4. The method of claim 1 , wherein the step of receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that limits transactions further comprises receiving a request from said account holder for a transaction code to make a purchase within a payment category that is automatically chosen by a custodial authorizing entity.
5. The method of claim 1 , wherein the step of receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that limits transactions further comprises receiving a request from said account holder for a transaction code to make a purchase within a payment category that includes time parameters during which the purchase can be completed.
6. The method of claim 1 , wherein the step of receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that limits transactions further comprises receiving a request from said account holder for a transaction code to make a purchase within a payment category that includes limiting said transaction code to a single transaction for a purchase within a predetermined period of time.
7. The method of claim 1 , wherein the step of receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that limits transactions further comprises receiving a request from said account holder for a transaction code to make a purchase within a payment category that includes limiting purchases to a single transaction at a maximum amount for purchase within a predetermined period of time.
8. The method of claim 1 , wherein the step of receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that limits transactions further comprises receiving a request from said account holder for a transaction code to make a purchase within a payment category that includes limiting purchases to at least two purchases at a maximum total amount for items purchased within a predetermined time period.
9. The method of claim 1 , wherein the step of receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that limits transactions further comprises receiving a request from said account holder for a transaction code to make a purchase within a payment category that includes limiting purchases to a repeating transaction at a fixed amount payable at each of a fixed number of time intervals.
10. The method of claim 1 , wherein the step of receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that limits transactions further comprises receiving a request from said account holder for a transaction code to make a purchase within a payment category that includes limiting a repeating transaction to a maximum dollar amount.
11. The method of claim 1 , wherein the step of receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that limits transactions further comprises receiving a request from said account holder for a transaction code to make a purchase within a payment category that includes limiting purchases to a minimum time interval after which a subsequent purchase is permitted.
12. The method of claim 1 , wherein the step of communicating said transaction code to said account holder further comprises communicating said transaction code to said account holder at the location of the merchant for use in person.
13. The method of claim 1 , wherein the step of receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that limits transactions further comprises receiving a request from said account holder for a transaction code to make a purchase within a predetermined payment category that is further limited in accordance with transaction details provided by said account holder.
14. A method for implementing a system for performing secure credit card transactions, the method comprising:
a) receiving information identifying an account that is used for credit card transactions;
b) receiving a request to authorize a transaction using a transaction code associated with said account and reflecting at least the limits of a pre-determined payment category that limits transactions, said payment category including at least one parameter which further limits transactions subsequent to said payment category being pre-determined, said transaction code generated and issued by a processing device adapted by a custodial authorizing entity to generate and issue said transaction code;
c) receiving a request to authorize a transaction using said transaction code; and
d) authorizing said transaction if said transaction is within the parameters of said payment category.
15. A method of claim 14 wherein said payment category includes a parameter that limits one or more transactions based on the location of one or more merchants.
16. A method of claim 14 wherein said payment category includes a parameter that limits one or more transactions based on the identity of one or more merchants.
17. A method of claim 14 wherein said payment category includes a parameter that limits one or more transactions based on the amount of at least one transaction.
18. A method of claim 14 wherein said payment category includes a parameter that limits one or more transactions based on a time interval that has elapsed since a previous transaction was made using said transaction code.
19. A method of claim 14 wherein said payment category includes a parameter that limits one or more transactions based on the time interval that has elapsed since said transaction code has been generated.
20. A method of claim 14 wherein said payment category includes a parameter that limits one or more transactions based on the number of transactions.
21. A method of claim 14 wherein said payment category includes a parameter that limits one or more transactions based on the number of merchants.
22. The method of claim 14 wherein the step of receiving account information from an account holder identifying an account that is used for credit card transactions further comprises receiving information identifying a credit card account.
23. A method for implementing a system for performing secure credit card transactions, the method comprising:
a) receiving information identifying an account that is used for credit card transactions;
b) receiving a request to authorize a transaction using a transaction code associated with said account and reflecting at least the limits of a payment category that limits transactions, said payment category including at least one parameter which limits transactions based on information pertaining to a specific transaction, said transaction specific information being provided from the location of a merchant, said transaction code generated and issued by a processing device adapted by a custodial authorizing entity to generate and issue said transaction code;
c) receiving a request to authorize a transaction using said transaction code; and
d) authorizing said transaction if said transaction is within the parameters of said payment category.
24. A method of claim 23 wherein said payment category includes a parameter that limits one or more transactions based on the identity of one or more merchants.
25. A method of claim 23 wherein said payment category includes a parameter that limits one or more transactions based on the amount of at least one transaction.
26. A method of claim 23 wherein said payment category includes a parameter that limits one or more transactions based on a time interval that has elapsed since a previous transaction was made using said transaction code.
27. A method of claim 23 wherein said payment category includes a parameter that limits one or more transactions based on the time interval that has elapsed since said transaction code has been generated.
28. A method of claim 23 wherein said payment category includes a parameter that limits one or more transactions based on the number of transactions.
29. The method of claim 23 wherein the step of receiving account information from an account holder identifying an account that is used for credit card transactions further comprises receiving information identifying a credit card account.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US13/191,066 US20120095917A1 (en) | 1999-01-15 | 2011-07-26 | System and method for performing secure credit card purchases |
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/231,745 US6324526B1 (en) | 1999-01-15 | 1999-01-15 | System and method for performing secure credit card purchases |
US10/037,007 US20020120587A1 (en) | 1999-01-15 | 2001-11-09 | System and method for performing secure user account purchases |
US11/252,009 US7840486B2 (en) | 1999-01-15 | 2005-10-17 | System and method for performing secure credit card purchases |
US12/902,399 US8036988B2 (en) | 1999-01-15 | 2010-10-12 | System and method for performing secure credit card transactions |
US13/191,066 US20120095917A1 (en) | 1999-01-15 | 2011-07-26 | System and method for performing secure credit card purchases |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/902,399 Continuation US8036988B2 (en) | 1999-01-15 | 2010-10-12 | System and method for performing secure credit card transactions |
Publications (1)
Publication Number | Publication Date |
---|---|
US20120095917A1 true US20120095917A1 (en) | 2012-04-19 |
Family
ID=22870495
Family Applications (5)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/231,745 Expired - Fee Related US6324526B1 (en) | 1999-01-15 | 1999-01-15 | System and method for performing secure credit card purchases |
US10/037,007 Abandoned US20020120587A1 (en) | 1999-01-15 | 2001-11-09 | System and method for performing secure user account purchases |
US11/252,009 Expired - Fee Related US7840486B2 (en) | 1999-01-15 | 2005-10-17 | System and method for performing secure credit card purchases |
US12/902,399 Expired - Fee Related US8036988B2 (en) | 1999-01-15 | 2010-10-12 | System and method for performing secure credit card transactions |
US13/191,066 Abandoned US20120095917A1 (en) | 1999-01-15 | 2011-07-26 | System and method for performing secure credit card purchases |
Family Applications Before (4)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/231,745 Expired - Fee Related US6324526B1 (en) | 1999-01-15 | 1999-01-15 | System and method for performing secure credit card purchases |
US10/037,007 Abandoned US20020120587A1 (en) | 1999-01-15 | 2001-11-09 | System and method for performing secure user account purchases |
US11/252,009 Expired - Fee Related US7840486B2 (en) | 1999-01-15 | 2005-10-17 | System and method for performing secure credit card purchases |
US12/902,399 Expired - Fee Related US8036988B2 (en) | 1999-01-15 | 2010-10-12 | System and method for performing secure credit card transactions |
Country Status (3)
Country | Link |
---|---|
US (5) | US6324526B1 (en) |
AU (1) | AU2609900A (en) |
WO (1) | WO2000042486A2 (en) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20100299258A1 (en) * | 1999-12-10 | 2010-11-25 | Terri Page | System and method for verifying the authenticity of a check and authorizing payment thereof |
Families Citing this family (183)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6466780B1 (en) * | 1997-09-03 | 2002-10-15 | Interlok Technologies, Llc | Method and apparatus for securing digital communications |
US6636833B1 (en) | 1998-03-25 | 2003-10-21 | Obis Patents Ltd. | Credit card system and method |
US6824049B2 (en) * | 1998-04-22 | 2004-11-30 | Smartro Co., Ltd. | Card transaction settlement method in point of sale systems |
US6131811A (en) | 1998-05-29 | 2000-10-17 | E-Micro Corporation | Wallet consolidator |
US7660763B1 (en) | 1998-11-17 | 2010-02-09 | Jpmorgan Chase Bank, N.A. | Customer activated multi-value (CAM) card |
US6324526B1 (en) | 1999-01-15 | 2001-11-27 | D'agostino John | System and method for performing secure credit card purchases |
TR200102909T2 (en) | 1999-04-13 | 2002-01-21 | Orbis Patents Limited | Financial transaction system from person to person, from person to business, from business to person and from business to business. |
CA2910997A1 (en) * | 1999-04-30 | 2000-11-09 | Paypal, Inc. | System and method for electronically exchanging value among distributed users |
GB2367168B (en) | 1999-05-25 | 2004-02-18 | Safepay Australia Pty Ltd | System for handling network transactions |
US7263505B1 (en) * | 1999-06-30 | 2007-08-28 | Kyklos Entertainment S.R.L. | Method and apparatus for generating a sale offer over an electronic network system |
US20020120627A1 (en) * | 1999-07-07 | 2002-08-29 | Mankoff Jeffrey W. | Virtual document organizer system and method |
US7593862B2 (en) * | 1999-07-07 | 2009-09-22 | Jeffrey W. Mankoff | Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means |
US7376583B1 (en) | 1999-08-10 | 2008-05-20 | Gofigure, L.L.C. | Device for making a transaction via a communications link |
US7720762B1 (en) | 2002-10-03 | 2010-05-18 | Gofigure Payments, Llc | System and method for electronically processing commercial transactions based upon threshold amount |
US20020095387A1 (en) * | 1999-08-27 | 2002-07-18 | Bertrand Sosa | Online content portal system |
US8875990B2 (en) | 1999-11-05 | 2014-11-04 | Lead Core Fund, L.L.C. | Systems and methods for allocating a payment authorization request to a payment processor |
US8103584B2 (en) * | 1999-11-05 | 2012-01-24 | American Express Travel Related Services Company, Inc. | Systems and methods for authorizing an allocation of an amount between transaction accounts |
US8794509B2 (en) | 1999-11-05 | 2014-08-05 | Lead Core Fund, L.L.C. | Systems and methods for processing a payment authorization request over disparate payment networks |
US20090048887A1 (en) * | 1999-11-05 | 2009-02-19 | American Express Travel Related Services Company, Inc. | Systems and Methods for Facilitating Transactions Involving an Intermediary |
US8820633B2 (en) | 1999-11-05 | 2014-09-02 | Lead Core Fund, L.L.C. | Methods for a third party biller to receive an allocated payment authorization request |
US8851369B2 (en) * | 1999-11-05 | 2014-10-07 | Lead Core Fund, L.L.C. | Systems and methods for transaction processing using a smartcard |
US7979349B2 (en) * | 1999-11-05 | 2011-07-12 | American Express Travel Related Services Company, Inc. | Systems and methods for adjusting crediting limits to facilitate transactions |
US8596527B2 (en) | 1999-11-05 | 2013-12-03 | Lead Core Fund, L.L.C. | Methods for locating a payment system utilizing a point of sale device |
US8180706B2 (en) | 1999-11-05 | 2012-05-15 | Lead Core Fund, L.L.C. | Systems and methods for maximizing a rewards accumulation strategy during transaction processing |
US8073772B2 (en) | 1999-11-05 | 2011-12-06 | American Express Travel Related Services Company, Inc. | Systems and methods for processing transactions using multiple budgets |
US8646685B2 (en) | 1999-11-05 | 2014-02-11 | Lead Core Fund, L.L.C. | Device for allocating a payment authorization request to a payment processor |
US8190514B2 (en) | 1999-11-05 | 2012-05-29 | Lead Core Fund, L.L.C. | Systems and methods for transaction processing based upon an overdraft scenario |
US8814039B2 (en) | 1999-11-05 | 2014-08-26 | Lead Core Fund, L.L.C. | Methods for processing a payment authorization request utilizing a network of point of sale devices |
US7996307B2 (en) * | 1999-11-05 | 2011-08-09 | American Express Travel Related Services Company, Inc. | Systems and methods for facilitating transactions between different financial accounts |
US8103585B2 (en) * | 1999-11-05 | 2012-01-24 | American Express Travel Related Services Company, Inc. | Systems and methods for suggesting an allocation |
US20090048886A1 (en) * | 1999-11-05 | 2009-02-19 | American Express Travel Related Services Company, Inc. | Systems and Methods for Facilitating Gifting Transactions |
US8275704B2 (en) * | 1999-11-05 | 2012-09-25 | Lead Core Fund, L.L.C. | Systems and methods for authorizing an allocation of an amount between transaction accounts |
US8195565B2 (en) | 1999-11-05 | 2012-06-05 | Lead Core Fund, L.L.C. | Systems and methods for point of interaction based policy routing of transactions |
US8458086B2 (en) * | 1999-11-05 | 2013-06-04 | Lead Core Fund, L.L.C. | Allocating partial payment of a transaction amount using an allocation rule |
US8234212B2 (en) * | 1999-11-05 | 2012-07-31 | Lead Core Fund, L.L.C. | Systems and methods for facilitating transactions with interest |
US8793160B2 (en) | 1999-12-07 | 2014-07-29 | Steve Sorem | System and method for processing transactions |
US8620286B2 (en) | 2004-02-27 | 2013-12-31 | Synchronoss Technologies, Inc. | Method and system for promoting and transferring licensed content and applications |
US6671757B1 (en) | 2000-01-26 | 2003-12-30 | Fusionone, Inc. | Data transfer and synchronization system |
US8156074B1 (en) | 2000-01-26 | 2012-04-10 | Synchronoss Technologies, Inc. | Data transfer and synchronization system |
AUPQ556600A0 (en) * | 2000-02-14 | 2000-03-02 | Ong, Yong Kin (Michael) | Electronic funds transfers-zipfund |
US7865414B2 (en) * | 2000-03-01 | 2011-01-04 | Passgate Corporation | Method, system and computer readable medium for web site account and e-commerce management from a central location |
TW550477B (en) * | 2000-03-01 | 2003-09-01 | Passgate Corp | Method, system and computer readable medium for Web site account and e-commerce management from a central location |
JP2003534585A (en) | 2000-03-15 | 2003-11-18 | マスターカード インターナシヨナル インコーポレーテツド | Secure payment method and system over computer network |
US20100179906A1 (en) * | 2000-03-17 | 2010-07-15 | Michael Hawkes | Payment authorization method and apparatus |
US20030191715A1 (en) * | 2000-03-24 | 2003-10-09 | John Pinizzotto | Secured purchase transaction |
US20050127164A1 (en) * | 2002-03-19 | 2005-06-16 | John Wankmueller | Method and system for conducting a transaction using a proximity device and an identifier |
US7698217B1 (en) * | 2000-04-20 | 2010-04-13 | Christopher Phillips | Masking private billing data by assigning other billing data to use in commerce with businesses |
US6910023B1 (en) * | 2000-05-26 | 2005-06-21 | Eitan Schibi | Method of conducting secure transactions containing confidential, financial, payment, credit, or other information over a network |
US6947977B1 (en) | 2000-06-09 | 2005-09-20 | Metadigm Llc | Scalable transaction system for a network environment |
US7702580B1 (en) | 2000-06-13 | 2010-04-20 | Fannie Mae | System and method for mortgage loan pricing, sale and funding |
US6988082B1 (en) | 2000-06-13 | 2006-01-17 | Fannie Mae | Computerized systems and methods for facilitating the flow of capital through the housing finance industry |
US7593893B1 (en) | 2000-06-13 | 2009-09-22 | Fannie Mae | Computerized systems and methods for facilitating the flow of capital through the housing finance industry |
WO2002003342A2 (en) * | 2000-06-30 | 2002-01-10 | Tara Chand Singhal | Method and apparatus for a payment card system |
US7895334B1 (en) | 2000-07-19 | 2011-02-22 | Fusionone, Inc. | Remote access communication architecture apparatus and method |
US8073954B1 (en) | 2000-07-19 | 2011-12-06 | Synchronoss Technologies, Inc. | Method and apparatus for a secure remote access system |
US20020099648A1 (en) * | 2000-09-19 | 2002-07-25 | Devoe Dana L. | Method of reducing fraud in credit card and other E-business |
US20050038715A1 (en) * | 2000-09-25 | 2005-02-17 | Ecardless Bancorp Ltd. | Customer processing for purchasing on the internet using verified order information |
US7379916B1 (en) | 2000-11-03 | 2008-05-27 | Authernative, Inc. | System and method for private secure financial transactions |
RU2174708C1 (en) * | 2000-11-15 | 2001-10-10 | Закрытое акционерное общество "Дженерал Текнолоджис" | Method for carrying on trade operations using clearing transactions through communication network |
US6980969B1 (en) * | 2000-11-16 | 2005-12-27 | Sears, Roebuck And Co. | Methods and apparatus for allowing internet based purchases based on a temporary credit card number |
US7818435B1 (en) | 2000-12-14 | 2010-10-19 | Fusionone, Inc. | Reverse proxy mechanism for retrieving electronic content associated with a local network |
US7295999B1 (en) | 2000-12-20 | 2007-11-13 | Jpmorgan Chase Bank, N.A. | System and method for determining eligibility and enrolling members in various programs |
US7895098B2 (en) | 2001-03-01 | 2011-02-22 | Jpmorgan Chase Bank, N.A. | System and method for measuring and utilizing pooling analytics |
US7499888B1 (en) * | 2001-03-16 | 2009-03-03 | Fusionone, Inc. | Transaction authentication system and method |
US8615566B1 (en) | 2001-03-23 | 2013-12-24 | Synchronoss Technologies, Inc. | Apparatus and method for operational support of remote network systems |
US7941368B2 (en) * | 2001-05-08 | 2011-05-10 | Advent IP LLC | System and method for electronic transaction settlement |
US7313546B2 (en) | 2001-05-23 | 2007-12-25 | Jp Morgan Chase Bank, N.A. | System and method for currency selectable stored value instrument |
EP1265202A1 (en) | 2001-06-04 | 2002-12-11 | Orbis Patents Limited | Business-to-business commerce using financial transaction numbers |
US7860789B2 (en) | 2001-07-24 | 2010-12-28 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
US8020754B2 (en) | 2001-08-13 | 2011-09-20 | Jpmorgan Chase Bank, N.A. | System and method for funding a collective account by use of an electronic tag |
US20050097049A1 (en) * | 2001-08-15 | 2005-05-05 | Shea Writer | Methods for verifying cardholder authenticity and for creating billing address database |
US7444676B1 (en) | 2001-08-29 | 2008-10-28 | Nader Asghari-Kamrani | Direct authentication and authorization system and method for trusted network of financial institutions |
US8281129B1 (en) | 2001-08-29 | 2012-10-02 | Nader Asghari-Kamrani | Direct authentication system and method via trusted authenticators |
US20030061163A1 (en) * | 2001-09-27 | 2003-03-27 | Durfield Richard C. | Method and apparatus for verification/authorization by credit or debit card owner of use of card concurrently with merchant transaction |
US7461028B2 (en) | 2001-11-27 | 2008-12-02 | Pitney Bowes Inc. | Method and system for authorizing use of a transaction card |
US6901387B2 (en) * | 2001-12-07 | 2005-05-31 | General Electric Capital Financial | Electronic purchasing method and apparatus for performing the same |
US7805376B2 (en) * | 2002-06-14 | 2010-09-28 | American Express Travel Related Services Company, Inc. | Methods and apparatus for facilitating a transaction |
US7577585B2 (en) * | 2001-12-07 | 2009-08-18 | American Express Travel Related Services Company, Inc. | Method and system for completing transactions involving partial shipments |
US7937305B1 (en) * | 2001-12-28 | 2011-05-03 | The Pnc Financial Services Group, Inc. | Methods and systems for analyzing the status of an entity and its financial transactions |
US7729963B1 (en) | 2001-12-28 | 2010-06-01 | The Pnc Financial Services Group, Inc. | Methods and systems for processing and communicating financial transaction data |
US7904360B2 (en) * | 2002-02-04 | 2011-03-08 | Alexander William EVANS | System and method for verification, authentication, and notification of a transaction |
AUPS087602A0 (en) * | 2002-03-04 | 2002-03-28 | Ong, Yong Kin (Michael) | Electronic fund transfer system |
US7389275B2 (en) | 2002-03-05 | 2008-06-17 | Visa U.S.A. Inc. | System for personal authorization control for card transactions |
US7899753B1 (en) | 2002-03-25 | 2011-03-01 | Jpmorgan Chase Bank, N.A | Systems and methods for time variable financial authentication |
US8751391B2 (en) * | 2002-03-29 | 2014-06-10 | Jpmorgan Chase Bank, N.A. | System and process for performing purchase transactions using tokens |
US20040210498A1 (en) | 2002-03-29 | 2004-10-21 | Bank One, National Association | Method and system for performing purchase and other transactions using tokens with multiple chips |
US7979348B2 (en) | 2002-04-23 | 2011-07-12 | Clearing House Payments Co Llc | Payment identification code and payment system using the same |
US20030208439A1 (en) * | 2002-05-03 | 2003-11-06 | Rast Rodger H. | Automated soft limit control of electronic transaction accounts |
US7809595B2 (en) | 2002-09-17 | 2010-10-05 | Jpmorgan Chase Bank, Na | System and method for managing risks associated with outside service providers |
US7729984B1 (en) * | 2002-09-27 | 2010-06-01 | Abas Enterprises Llc | Effecting financial transactions |
US7870077B2 (en) * | 2002-10-02 | 2011-01-11 | Kt Corporation | System and method for buying goods and billing agency using short message service |
US20040122736A1 (en) | 2002-10-11 | 2004-06-24 | Bank One, Delaware, N.A. | System and method for granting promotional rewards to credit account holders |
US7937302B1 (en) * | 2002-11-20 | 2011-05-03 | The Pnc Financial Services Group, Inc. | Methods and systems for monitoring, analyzing and reporting information in association with collateralized financial instruments |
US20040111329A1 (en) * | 2002-12-10 | 2004-06-10 | First Data Corporation | Restricted-use transaction systems |
US7593889B2 (en) | 2002-12-30 | 2009-09-22 | Fannie Mae | System and method for processing data pertaining to financial assets |
AU2003297295A1 (en) | 2002-12-30 | 2004-07-29 | Fannie Mae | System and method of processing data pertaining to financial assets |
WO2004061561A2 (en) | 2002-12-30 | 2004-07-22 | Fannie Mae | System and method for facilitating delivery of a loan to a secondary mortgage market purchaser |
AU2003291140A1 (en) | 2002-12-30 | 2004-07-29 | Fannie Mae | System and method for facilitating sale of a loan to a secondary market purchaser |
WO2004061557A2 (en) | 2002-12-30 | 2004-07-22 | Fannie Mae | System and method for creating and tracking agreements for selling loans to a secondary market purchaser |
WO2004061564A2 (en) | 2002-12-30 | 2004-07-22 | Fannie Mae | System and method for pricing loans in the secondary mortgage market |
US20040128230A1 (en) | 2002-12-30 | 2004-07-01 | Fannie Mae | System and method for modifying attribute data pertaining to financial assets in a data processing system |
US7885889B2 (en) | 2002-12-30 | 2011-02-08 | Fannie Mae | System and method for processing data pertaining to financial assets |
US7742981B2 (en) | 2002-12-30 | 2010-06-22 | Fannie Mae | Mortgage loan commitment system and method |
US8666879B1 (en) | 2002-12-30 | 2014-03-04 | Fannie Mae | Method and system for pricing forward commitments for mortgage loans and for buying committed loans |
US8095659B2 (en) * | 2003-05-16 | 2012-01-10 | Jp Morgan Chase Bank | Service interface |
US8306907B2 (en) | 2003-05-30 | 2012-11-06 | Jpmorgan Chase Bank N.A. | System and method for offering risk-based interest rates in a credit instrument |
US8645471B2 (en) | 2003-07-21 | 2014-02-04 | Synchronoss Technologies, Inc. | Device message management system |
US8046298B1 (en) | 2003-07-21 | 2011-10-25 | Fannie Mae | Systems and methods for facilitating the flow of capital through the housing finance industry |
US7925579B1 (en) | 2003-12-01 | 2011-04-12 | Fannie Mae | System and method for processing a loan |
US7822680B1 (en) | 2003-12-31 | 2010-10-26 | Fannie Mae | System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments |
US7657475B1 (en) | 2003-12-31 | 2010-02-02 | Fannie Mae | Property investment rating system and method |
US8725607B2 (en) | 2004-01-30 | 2014-05-13 | The Clearing House Payments Company LLC | Electronic payment clearing and check image exchange systems and methods |
US7413112B2 (en) * | 2004-03-16 | 2008-08-19 | American Express Travel Related Services Company, Inc. | Method and system for manual authorization |
US7748617B2 (en) * | 2004-04-12 | 2010-07-06 | Gray R O'neal | Electronic identification system |
US7500602B2 (en) * | 2005-02-22 | 2009-03-10 | Gray R O'neal | System for increasing the security of credit and debit cards transactions |
US7337956B2 (en) * | 2004-04-12 | 2008-03-04 | Rearden Capital Corporation | System and method for facilitating the purchase of goods and services |
US7275685B2 (en) * | 2004-04-12 | 2007-10-02 | Rearden Capital Corporation | Method for electronic payment |
US20050279827A1 (en) * | 2004-04-28 | 2005-12-22 | First Data Corporation | Methods and systems for providing guaranteed merchant transactions |
JP2008500750A (en) | 2004-05-12 | 2008-01-10 | フュージョンワン インコーポレイテッド | Advanced contact identification system |
US9542076B1 (en) | 2004-05-12 | 2017-01-10 | Synchronoss Technologies, Inc. | System for and method of updating a personal profile |
US20100274711A1 (en) * | 2004-10-08 | 2010-10-28 | Purchase Stephen W | Computer-based payment transaction system and repository |
JP3928640B2 (en) * | 2004-11-09 | 2007-06-13 | コニカミノルタビジネステクノロジーズ株式会社 | Image processing device |
US20060212407A1 (en) * | 2005-03-17 | 2006-09-21 | Lyon Dennis B | User authentication and secure transaction system |
US7401731B1 (en) | 2005-05-27 | 2008-07-22 | Jpmorgan Chase Bank, Na | Method and system for implementing a card product with multiple customized relationships |
US7801809B1 (en) | 2005-06-24 | 2010-09-21 | Fannie Mae | System and method for management of delegated real estate project reviews |
US7828204B2 (en) * | 2006-02-01 | 2010-11-09 | Mastercard International Incorporated | Techniques for authorization of usage of a payment device |
US8408455B1 (en) | 2006-02-08 | 2013-04-02 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to both customers and non-customers |
US7784682B2 (en) | 2006-02-08 | 2010-08-31 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to both customers and non-customers |
EP1999715A4 (en) * | 2006-03-02 | 2014-07-09 | Visa Int Service Ass | Method and system for performing two factor authentication in mail order and telephone order transactions |
US7747526B1 (en) | 2006-03-27 | 2010-06-29 | Fannie Mae | System and method for transferring mortgage loan servicing rights |
US7818264B2 (en) | 2006-06-19 | 2010-10-19 | Visa U.S.A. Inc. | Track data encryption |
US7753259B1 (en) | 2006-04-13 | 2010-07-13 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to both customers and non-customers |
WO2008039942A1 (en) * | 2006-09-27 | 2008-04-03 | Electronic Commerce Protection Corporation | Mechanism for fraud-resistant consumer transactions |
US7606766B2 (en) * | 2006-12-21 | 2009-10-20 | American Express Travel Related Services Company, Inc. | Computer system and computer-implemented method for selecting invoice settlement options |
WO2008086428A1 (en) * | 2007-01-09 | 2008-07-17 | Visa U.S.A. Inc. | Mobile phone payment process including threshold indicator |
US20090048970A1 (en) * | 2007-02-09 | 2009-02-19 | Muscato Michael A | Approval and Issuance of a Financial Card |
US20090018934A1 (en) * | 2007-05-15 | 2009-01-15 | Chaorong Peng | System and Method for defense ID theft attack security service system in marketing environment |
US7841523B2 (en) * | 2007-05-17 | 2010-11-30 | Shift4 Corporation | Secure payment card transactions |
US7770789B2 (en) * | 2007-05-17 | 2010-08-10 | Shift4 Corporation | Secure payment card transactions |
US7891563B2 (en) | 2007-05-17 | 2011-02-22 | Shift4 Corporation | Secure payment card transactions |
US10558961B2 (en) * | 2007-10-18 | 2020-02-11 | Wayne Fueling Systems Llc | System and method for secure communication in a retail environment |
US8417601B1 (en) | 2007-10-18 | 2013-04-09 | Jpmorgan Chase Bank, N.A. | Variable rate payment card |
US20090103730A1 (en) * | 2007-10-19 | 2009-04-23 | Mastercard International Incorporated | Apparatus and method for using a device conforming to a payment standard for access control and/or secure data storage |
US20090106118A1 (en) | 2007-10-19 | 2009-04-23 | Ebay Inc | Payment using funds pushing |
US20090157549A1 (en) * | 2007-12-14 | 2009-06-18 | Benjamin Ian Symons | Using a mobile phone as a remote pin entry terminal for cnp credit card transactions |
US20090171852A1 (en) * | 2007-12-28 | 2009-07-02 | Scott Taylor | Method and System for Providing Secure Processing of Electronic Transactions |
US8181111B1 (en) | 2007-12-31 | 2012-05-15 | Synchronoss Technologies, Inc. | System and method for providing social context to digital activity |
US9098851B2 (en) * | 2008-02-14 | 2015-08-04 | Mastercard International Incorporated | Method and apparatus for simplifying the handling of complex payment transactions |
US8725611B1 (en) | 2008-02-21 | 2014-05-13 | Jpmorgan Chase Bank, N.A. | System and method for providing borrowing schemes |
TWI344076B (en) * | 2008-05-29 | 2011-06-21 | Delta Electronics Inc | Electronic apparatus and the casing structure thereof |
US8651374B2 (en) * | 2008-06-02 | 2014-02-18 | Sears Brands, L.L.C. | System and method for payment card industry enterprise account number elimination |
US8341084B2 (en) * | 2009-06-08 | 2012-12-25 | Mastercard International Incorporated | Method, apparatus, and computer program product for topping up prepaid payment cards for offline use |
US7860772B2 (en) * | 2008-09-30 | 2010-12-28 | Ebay, Inc. | Funding on-line accounts |
US8595098B2 (en) * | 2009-03-18 | 2013-11-26 | Network Merchants, Inc. | Transmission of sensitive customer information during electronic-based transactions |
US9235831B2 (en) | 2009-04-22 | 2016-01-12 | Gofigure Payments, Llc | Mobile payment systems and methods |
US8825548B2 (en) * | 2009-06-30 | 2014-09-02 | Ebay Inc. | Secure authentication between multiple parties |
US8255006B1 (en) | 2009-11-10 | 2012-08-28 | Fusionone, Inc. | Event dependent notification system and method |
US20110173122A1 (en) * | 2010-01-09 | 2011-07-14 | Tara Chand Singhal | Systems and methods of bank security in online commerce |
US8762241B2 (en) | 2010-09-10 | 2014-06-24 | Ebay Inc. | Online quick key pay |
US8943428B2 (en) | 2010-11-01 | 2015-01-27 | Synchronoss Technologies, Inc. | System for and method of field mapping |
US20120166210A1 (en) * | 2010-12-27 | 2012-06-28 | Ho'okele Health Technologies, LLC | Living assistance system |
US9286608B1 (en) * | 2010-12-29 | 2016-03-15 | Amazon Technologies, Inc. | System and method for predictive payment authorizations |
US10692081B2 (en) | 2010-12-31 | 2020-06-23 | Mastercard International Incorporated | Local management of payment transactions |
US11049110B2 (en) * | 2011-06-17 | 2021-06-29 | Zelis Payments, Llc | Healthcare transaction facilitation platform apparatuses, methods and systems |
US9600808B1 (en) | 2011-06-24 | 2017-03-21 | Epic One Texas, Llc | Secure payment card, method and system |
US20130036058A1 (en) * | 2011-08-03 | 2013-02-07 | American Express Travel Related Services Company, Inc. | Systems and methods for securely processing transactions |
US20130185205A1 (en) * | 2012-01-12 | 2013-07-18 | International Business Machines Corporation | Secure transaction authorization |
US8639619B1 (en) | 2012-07-13 | 2014-01-28 | Scvngr, Inc. | Secure payment method and system |
EP2920911B1 (en) | 2012-11-14 | 2021-03-10 | Jonathan E. Jaffe | A system for merchant and non-merchant based transactions utilizing secure non-radiating communications while allowing for secure additional functionality |
US8787554B1 (en) | 2013-01-11 | 2014-07-22 | American Express Travel Related Services Company, Inc. | System and method for a digital network for switching web service messages |
US20140324690A1 (en) * | 2013-01-11 | 2014-10-30 | American Express Travel Related Services Company, Inc. | System and method for a single digital wallet dynamic checkout tool |
US8770478B2 (en) | 2013-07-11 | 2014-07-08 | Scvngr, Inc. | Payment processing with automatic no-touch mode selection |
US20150170148A1 (en) * | 2013-12-16 | 2015-06-18 | Seth Priebatsch | Real-time transaction validity verification using behavioral and transactional metadata |
US10013715B2 (en) * | 2014-07-21 | 2018-07-03 | Bank Of America Corporation | Temporary waiver tool |
US11295308B1 (en) | 2014-10-29 | 2022-04-05 | The Clearing House Payments Company, L.L.C. | Secure payment processing |
US11042882B2 (en) | 2015-07-01 | 2021-06-22 | The Clearing House Payments Company, L.L.C. | Real-time payment system, method, apparatus, and computer program |
US11694168B2 (en) | 2015-07-01 | 2023-07-04 | The Clearing House Payments Company L.L.C. | Real-time payment system, method, apparatus, and computer program |
US11257066B2 (en) | 2016-09-30 | 2022-02-22 | Middleware, Inc. | Automated digital method and system of providing or sharing access |
US10776772B2 (en) | 2016-09-30 | 2020-09-15 | Middleware, Inc. | Automated digital method and system of providing or sharing access |
US11030603B1 (en) * | 2017-06-26 | 2021-06-08 | Wells Fargo Bank, N.A. | Systems and methods for distinguishing between profiles in a passive authentication scheme |
EP3646229A4 (en) * | 2017-06-28 | 2020-07-08 | Goldman Sachs Bank USA | Interface-specific account identifiers |
US11436577B2 (en) | 2018-05-03 | 2022-09-06 | The Clearing House Payments Company L.L.C. | Bill pay service with federated directory model support |
US11164247B2 (en) * | 2020-02-13 | 2021-11-02 | Capital One Services, Llc | Computer-implemented systems configured for providing real-time credit offers and credit negotiation for specified transactions and methods of use thereof |
Citations (13)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4893330A (en) * | 1989-06-01 | 1990-01-09 | American Telephone And Telegraph Company, At&T Bell Laboratories | Method and apparatus for restricting credit card communication calls |
US5177342A (en) * | 1990-11-09 | 1993-01-05 | Visa International Service Association | Transaction approval system |
US5500513A (en) * | 1994-05-11 | 1996-03-19 | Visa International | Automated purchasing control system |
US5505513A (en) * | 1994-06-27 | 1996-04-09 | Carsner; Danny W. | Convertible bed/seat for vehicle |
US5845281A (en) * | 1995-02-01 | 1998-12-01 | Mediadna, Inc. | Method and system for managing a data object so as to comply with predetermined conditions for usage |
US5914472A (en) * | 1997-09-23 | 1999-06-22 | At&T Corp | Credit card spending authorization control system |
US5953710A (en) * | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
US6000832A (en) * | 1997-09-24 | 1999-12-14 | Microsoft Corporation | Electronic online commerce card with customer generated transaction proxy number for online transactions |
US6029150A (en) * | 1996-10-04 | 2000-02-22 | Certco, Llc | Payment and transactions in electronic commerce system |
US6163771A (en) * | 1997-08-28 | 2000-12-19 | Walker Digital, Llc | Method and device for generating a single-use financial account number |
US20010011249A1 (en) * | 1997-05-13 | 2001-08-02 | Yasushi Yanagihara | Electronic money card, electronic money receiving/paying machine, and electronic money card editing device. |
US6456984B1 (en) * | 1999-05-28 | 2002-09-24 | Qwest Communications International Inc. | Method and system for providing temporary credit authorizations |
US20100012720A1 (en) * | 2008-07-21 | 2010-01-21 | Jon Baker-Dean | System and methods to select authorized vendors for prepaid debit card/credit card |
Family Cites Families (162)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US67447A (en) * | 1867-08-06 | Alfred p a r a f | ||
US3376661A (en) * | 1966-06-28 | 1968-04-09 | John G. Hulett | Multiple company credit card |
US4599509A (en) * | 1970-09-21 | 1986-07-08 | Daniel Silverman | Access security control |
US3938091A (en) * | 1972-03-17 | 1976-02-10 | Atalla Technovations Company | Personal verification system |
US4048475A (en) | 1974-03-07 | 1977-09-13 | Omron Tateisi Electronics Company | Apparatus for checking the user of a card in card-actuated machines |
US4023012A (en) * | 1974-07-08 | 1977-05-10 | Omron Tateisi Electronics Co. | System for verifying the user of a card |
US4016405A (en) * | 1975-06-09 | 1977-04-05 | Diebold, Incorporated | Card validation, method and system |
US4395628A (en) * | 1979-04-23 | 1983-07-26 | Daniel Silverman | Access security control |
US4269874A (en) * | 1979-08-08 | 1981-05-26 | Diffracto Ltd. | Method and apparatus for marking parts |
JPS5757368A (en) * | 1980-09-24 | 1982-04-06 | Omron Tateisi Electronics Co | Transfer processing method in transaction processing device |
GB2111280B (en) | 1981-12-10 | 1985-05-09 | Hawker Siddeley Revenue Contr | Credit card freed dispensing system |
US4608485A (en) | 1983-07-25 | 1986-08-26 | Kabushiki Kaisha Toshiba | Automatic transfer transaction processing apparatus |
GB2146815A (en) * | 1983-09-17 | 1985-04-24 | Ibm | Electronic fund transfer systems |
GB8400809D0 (en) | 1984-01-12 | 1984-02-15 | De La Rue Co Plc | Prepayment metering system |
US4720860A (en) * | 1984-11-30 | 1988-01-19 | Security Dynamics Technologies, Inc. | Method and apparatus for positively identifying an individual |
US4998279A (en) * | 1984-11-30 | 1991-03-05 | Weiss Kenneth P | Method and apparatus for personal verification utilizing nonpredictable codes and biocharacteristics |
US4856062A (en) | 1984-11-30 | 1989-08-08 | Kenneth Weiss | Computing and indicating device |
US4679236A (en) * | 1984-12-21 | 1987-07-07 | Davies Richard E | Identification verification method and system |
US4707592A (en) * | 1985-10-07 | 1987-11-17 | Ware Paul N | Personal universal identity card system for failsafe interactive financial transactions |
US4667087A (en) * | 1986-03-31 | 1987-05-19 | Max A. Quintana | Secure credit card |
US4725719A (en) * | 1986-07-21 | 1988-02-16 | First City National Bank Of Austin | Restricted purpose, commercial, monetary regulation method |
JP2624674B2 (en) * | 1987-04-10 | 1997-06-25 | 株式会社日立製作所 | Transaction processing system |
US4797920A (en) * | 1987-05-01 | 1989-01-10 | Mastercard International, Inc. | Electronic funds transfer system with means for verifying a personal identification number without pre-established secret keys |
US5023904A (en) * | 1987-08-04 | 1991-06-11 | Science Dynamics Corporation | Direct telephone dial ordering service |
US5117355A (en) * | 1989-01-27 | 1992-05-26 | Mccarthy Patrick D | Centralized consumer cash valve accumulation system for multiple merchants |
US5202826A (en) * | 1989-01-27 | 1993-04-13 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
US4941090A (en) * | 1989-01-27 | 1990-07-10 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
US5010485A (en) * | 1989-01-31 | 1991-04-23 | Jbh Ventures | Apparatus, system and method for creating credit vouchers usable at point of purchase stations |
US5097505A (en) * | 1989-10-31 | 1992-03-17 | Securities Dynamics Technologies, Inc. | Method and apparatus for secure identification and verification |
US5130519A (en) * | 1990-01-16 | 1992-07-14 | George Bush | Portable pin card |
US5192947A (en) * | 1990-02-02 | 1993-03-09 | Simon Neustein | Credit card pager apparatus |
GB9003325D0 (en) | 1990-02-14 | 1990-04-11 | Enfranchise Sixty Ltd | Apparatus and method for controlling access to broadcast signals |
GB9003999D0 (en) * | 1990-02-22 | 1990-04-18 | Enfranchise Sixty Ltd | Pseudo-random sequence generators |
FR2661996A1 (en) | 1990-05-10 | 1991-11-15 | Bremard Guy | System for controlling access to an apparatus |
US5163098A (en) | 1990-09-06 | 1992-11-10 | Dahbura Abbud S | System for preventing fraudulent use of credit card |
US5093861A (en) * | 1990-10-12 | 1992-03-03 | Cardkey Systems, Inc. | Recognition apparatus and method for security systems |
US5196840A (en) * | 1990-11-05 | 1993-03-23 | International Business Machines Corporation | Secure communications system for remotely located computers |
GB2252270B (en) | 1991-01-30 | 1995-05-24 | Wren Hilton Giles Martin | Improvements in and relating to cards and like information stores |
US5239583A (en) * | 1991-04-10 | 1993-08-24 | Parrillo Larry A | Method and apparatus for improved security using access codes |
US5485519A (en) * | 1991-06-07 | 1996-01-16 | Security Dynamics Technologies, Inc. | Enhanced security for a secure token code |
US5163097A (en) * | 1991-08-07 | 1992-11-10 | Dynamicserve, Ltd. | Method and apparatus for providing secure access to a limited access system |
US5193114A (en) * | 1991-08-08 | 1993-03-09 | Moseley Donald R | Consumer oriented smart card system and authentication techniques |
JP3083187B2 (en) * | 1991-09-30 | 2000-09-04 | 富士通株式会社 | Key management method of electronic wallet system |
US5955961A (en) | 1991-12-09 | 1999-09-21 | Wallerstein; Robert S. | Programmable transaction card |
US5585787A (en) | 1991-12-09 | 1996-12-17 | Wallerstein; Robert S. | Programmable credit card |
US5428210A (en) | 1992-01-10 | 1995-06-27 | National Bancard Corporation | Data card terminal with embossed character reader and signature capture |
FI264U1 (en) | 1992-01-15 | 1992-09-16 | Stephen Ind Inc Oy | Medelanskaffningsmedel |
US5231666A (en) * | 1992-04-20 | 1993-07-27 | International Business Machines Corporation | Cryptographic method for updating financial records |
CA2100134C (en) | 1992-09-29 | 1999-06-22 | Raymond Otto Colbert | Secure credit/debit card authorization |
TW250555B (en) | 1992-09-30 | 1995-07-01 | Hudson Kk | |
US5479494A (en) | 1992-10-05 | 1995-12-26 | At&T Corp. | Virtual calling card system |
US5350906A (en) * | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
US5326960A (en) * | 1992-11-25 | 1994-07-05 | Tannenbaum David H | Currency transfer system and method |
US5361062A (en) | 1992-11-25 | 1994-11-01 | Security Dynamics Technologies, Inc. | Personal security system |
US5317636A (en) * | 1992-12-09 | 1994-05-31 | Arris, Inc. | Method and apparatus for securing credit card transactions |
US5509070A (en) * | 1992-12-15 | 1996-04-16 | Softlock Services Inc. | Method for encouraging purchase of executable and non-executable software |
US5363449A (en) * | 1993-03-11 | 1994-11-08 | Tandem Computers Incorporated | Personal identification encryptor and method |
US5311594A (en) * | 1993-03-26 | 1994-05-10 | At&T Bell Laboratories | Fraud protection for card transactions |
US5466919A (en) * | 1993-04-02 | 1995-11-14 | Hovakimian; Henry | Credit/charge card system enabling purchasers to contribute to selected charities |
JP3053527B2 (en) * | 1993-07-30 | 2000-06-19 | インターナショナル・ビジネス・マシーンズ・コーポレイション | Method and apparatus for validating a password, method and apparatus for generating and preliminary validating a password, method and apparatus for controlling access to resources using an authentication code |
US6470490B1 (en) | 1993-08-27 | 2002-10-22 | Victor E. Hansen | Contextual data representation and retrieval method |
US5649118A (en) * | 1993-08-27 | 1997-07-15 | Lucent Technologies Inc. | Smart card with multiple charge accounts and product item tables designating the account to debit |
US5506393A (en) | 1993-09-07 | 1996-04-09 | Ziarno; Witold A. | Donation kettle accepting credit card, debit card, and cash donations, and donation kettle network |
WO1995008232A1 (en) * | 1993-09-14 | 1995-03-23 | Chantilley Corporation Limited | Apparatus for key distribution in an encryption system |
US5343529A (en) | 1993-09-28 | 1994-08-30 | Milton Goldfine | Transaction authentication using a centrally generated transaction identifier |
GB9321357D0 (en) * | 1993-10-15 | 1993-12-22 | British Telecomm | Personal identification systems |
EP1235177A3 (en) * | 1993-12-16 | 2003-10-08 | divine technology ventures | Digital active advertising |
US5826243A (en) | 1994-01-03 | 1998-10-20 | Merrill Lynch & Co., Inc. | Integrated system for controlling master account and nested subaccount(s) |
US5420926A (en) * | 1994-01-05 | 1995-05-30 | At&T Corp. | Anonymous credit card transactions |
JP3204829B2 (en) * | 1994-01-10 | 2001-09-04 | 富士通株式会社 | Mobile communication method, mobile telephone exchange, customer management system, and mobile device for implementing the method |
US5457747A (en) | 1994-01-14 | 1995-10-10 | Drexler Technology Corporation | Anti-fraud verification system using a data card |
JPH07231367A (en) * | 1994-02-17 | 1995-08-29 | Fujitsu Ltd | Personal communication charging service device by credit card |
US5434398A (en) * | 1994-02-22 | 1995-07-18 | Haim Labenski | Magnetic smartcard |
US6142368A (en) * | 1994-03-03 | 2000-11-07 | Busch Entertainment Corporation | Prepayment wristband and computer debit system |
US5555497A (en) * | 1994-03-21 | 1996-09-10 | Helbling; Edward | Charitable contribution centralization system and apparatus |
GB2302246B (en) * | 1994-03-23 | 1998-05-13 | Chantilley Corp Ltd | Apparatus for generating encryption/decryption look-up tables using a session key |
US5504808A (en) * | 1994-06-01 | 1996-04-02 | Hamrick, Jr.; James N. | Secured disposable debit card calling system and method |
US5577109A (en) * | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
US5590038A (en) | 1994-06-20 | 1996-12-31 | Pitroda; Satyan G. | Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions |
US5959699A (en) | 1994-06-28 | 1999-09-28 | Samsung Electronics Co., Ltd. | Reception mode control in radio receivers for receiving both VSB and QAM digital television signals |
JP2951844B2 (en) * | 1994-06-30 | 1999-09-20 | 日本信販株式会社 | Credit card system and credit card issuing method using the system |
US5478994A (en) * | 1994-07-13 | 1995-12-26 | Rahman; Sam | Secure credit card which prevents unauthorized transactions |
US5627355A (en) * | 1994-07-13 | 1997-05-06 | Rahman; Sam | Transaction device, equipment and method for protecting account numbers and their associated personal identification numbers |
US5694471A (en) * | 1994-08-03 | 1997-12-02 | V-One Corporation | Counterfeit-proof identification card |
GB9418709D0 (en) | 1994-09-16 | 1994-11-16 | Chantilley Corp Ltd | Secure computer network |
US5826241A (en) * | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
US5715314A (en) | 1994-10-24 | 1998-02-03 | Open Market, Inc. | Network sales system |
US5748737A (en) * | 1994-11-14 | 1998-05-05 | Daggar; Robert N. | Multimedia electronic wallet with generic card |
US6154879A (en) | 1994-11-28 | 2000-11-28 | Smarttouch, Inc. | Tokenless biometric ATM access system |
US5559313A (en) | 1994-12-23 | 1996-09-24 | Lucent Technologies Inc. | Categorization of purchased items for each transaction by a smart card |
US6298335B1 (en) | 1995-01-06 | 2001-10-02 | Robert Bernstein | Method of controlling payment of debts |
US5826245A (en) | 1995-03-20 | 1998-10-20 | Sandberg-Diment; Erik | Providing verification information for a transaction |
US5727163A (en) | 1995-03-30 | 1998-03-10 | Amazon.Com, Inc. | Secure method for communicating credit card data when placing an order on a non-secure network |
US5677955A (en) * | 1995-04-07 | 1997-10-14 | Financial Services Technology Consortium | Electronic funds transfer instruments |
JP3047092B2 (en) * | 1995-05-02 | 2000-05-29 | 日本信販株式会社 | Credit card system and method of using credit card using the system |
US6202055B1 (en) * | 1996-08-21 | 2001-03-13 | Image Data, Llc | Positive identification display device and scanner for low cost collection and display of graphic and text data in a secure manner |
US5678010A (en) | 1995-06-07 | 1997-10-14 | Compuserve Incorporated | Automated routing of messages over a network |
US5748908A (en) * | 1995-06-07 | 1998-05-05 | Yu; Mason K. | Automated, classified expenditure data card recording system |
US5696908A (en) * | 1995-06-07 | 1997-12-09 | Southeast Phonecard, Inc. | Telephone debit card dispenser and method |
US5794221A (en) | 1995-07-07 | 1998-08-11 | Egendorf; Andrew | Internet billing method |
US5754653A (en) * | 1995-07-26 | 1998-05-19 | Canfield; Henry A. | Coding formula for verifying checks and credit cards |
US5878141A (en) * | 1995-08-25 | 1999-03-02 | Microsoft Corporation | Computerized purchasing system and method for mediating purchase transactions over an interactive network |
GB2305393A (en) | 1995-08-31 | 1997-04-09 | Powerhouse Marketing Limited | Telephone card with scratch-off panel |
US5757163A (en) * | 1995-09-29 | 1998-05-26 | Black & Decker Inc. | Battery Charger and method for simultaneously charging multiple batteries from a single power supply |
US5893907A (en) * | 1995-10-26 | 1999-04-13 | Ukuda; Shuko | Apparatus and system for managing a card number |
US5757917A (en) * | 1995-11-01 | 1998-05-26 | First Virtual Holdings Incorporated | Computerized payment system for purchasing goods and services on the internet |
US5671279A (en) | 1995-11-13 | 1997-09-23 | Netscape Communications Corporation | Electronic commerce using a secure courier system |
US5673309A (en) | 1995-11-17 | 1997-09-30 | Avery Dennison Corporation | ATM phone card system |
JP3133243B2 (en) * | 1995-12-15 | 2001-02-05 | 株式会社エヌケーインベストメント | Online shopping system |
CA2167543A1 (en) | 1996-01-18 | 1997-07-19 | James Durward | Process for conducting secure electronic transactions over electronic media |
US5777305A (en) * | 1996-01-24 | 1998-07-07 | Incomm | Package assembly and method for activating prepaid debit cards |
US5822737A (en) | 1996-02-05 | 1998-10-13 | Ogram; Mark E. | Financial transaction system |
US5905736A (en) * | 1996-04-22 | 1999-05-18 | At&T Corp | Method for the billing of transactions over the internet |
US5815657A (en) | 1996-04-26 | 1998-09-29 | Verifone, Inc. | System, method and article of manufacture for network electronic authorization utilizing an authorization instrument |
US5799285A (en) | 1996-06-07 | 1998-08-25 | Klingman; Edwin E. | Secure system for electronic selling |
US5729594A (en) | 1996-06-07 | 1998-03-17 | Klingman; Edwin E. | On-line secured financial transaction system through electronic media |
US5825881A (en) * | 1996-06-28 | 1998-10-20 | Allsoft Distributing Inc. | Public network merchandising system |
US5878337A (en) * | 1996-08-08 | 1999-03-02 | Joao; Raymond Anthony | Transaction security apparatus and method |
US5845267A (en) | 1996-09-06 | 1998-12-01 | At&T Corp | System and method for billing for transactions conducted over the internet from within an intranet |
US5991749A (en) * | 1996-09-11 | 1999-11-23 | Morrill, Jr.; Paul H. | Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities |
US6253188B1 (en) * | 1996-09-20 | 2001-06-26 | Thomson Newspapers, Inc. | Automated interactive classified ad system for the internet |
US5913203A (en) * | 1996-10-03 | 1999-06-15 | Jaesent Inc. | System and method for pseudo cash transactions |
US5868236A (en) * | 1996-11-27 | 1999-02-09 | Darrell G. Rademacher | Pin vending dispenser |
US5798508A (en) | 1996-12-09 | 1998-08-25 | Walker Asset Management, L.P. | Postpaid traveler's checks |
US5988510A (en) * | 1997-02-13 | 1999-11-23 | Micron Communications, Inc. | Tamper resistant smart card and method of protecting data in a smart card |
US5864830A (en) * | 1997-02-13 | 1999-01-26 | Armetta; David | Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
US6330544B1 (en) | 1997-05-19 | 2001-12-11 | Walker Digital, Llc | System and process for issuing and managing forced redemption vouchers having alias account numbers |
US6012048A (en) | 1997-05-30 | 2000-01-04 | Capital Security Systems, Inc. | Automated banking system for dispensing money orders, wire transfer and bill payment |
US5949044A (en) * | 1997-06-13 | 1999-09-07 | Walker Asset Management Limited Partnership | Method and apparatus for funds and credit line transfers |
US6144948A (en) * | 1997-06-23 | 2000-11-07 | Walker Digital, Llc | Instant credit card marketing system for reservations for future services |
GB2327831B (en) | 1997-07-23 | 2002-10-09 | Chantilley Corp Ltd | Document or message security arrangements |
US5899980A (en) * | 1997-08-11 | 1999-05-04 | Trivnet Ltd. | Retail method over a wide area network |
US6014650A (en) * | 1997-08-19 | 2000-01-11 | Zampese; David | Purchase management system and method |
US5903878A (en) * | 1997-08-20 | 1999-05-11 | Talati; Kirit K. | Method and apparatus for electronic commerce |
US5883810A (en) * | 1997-09-24 | 1999-03-16 | Microsoft Corporation | Electronic online commerce card with transactionproxy number for online transactions |
US5984180A (en) * | 1997-10-06 | 1999-11-16 | Albrecht; Jerry L. | Method and system for gift credit card |
US6188761B1 (en) * | 1997-10-21 | 2001-02-13 | Mci Communications Corporation | System and method for providing operator and customer services |
US6226624B1 (en) * | 1997-10-24 | 2001-05-01 | Craig J. Watson | System and method for pre-authorization of individual account remote transactions |
US5991750A (en) * | 1997-10-24 | 1999-11-23 | Ge Capital | System and method for pre-authorization of individual account transactions |
US6035025A (en) * | 1998-01-07 | 2000-03-07 | National Telemanagement Corporation | System and method for a prepaid bundled telecommunications account |
US6636833B1 (en) | 1998-03-25 | 2003-10-21 | Obis Patents Ltd. | Credit card system and method |
US6422462B1 (en) | 1998-03-30 | 2002-07-23 | Morris E. Cohen | Apparatus and methods for improved credit cards and credit card transactions |
US7747523B2 (en) * | 1998-03-30 | 2010-06-29 | Cohen Morris E | Internet-based financial vehicles |
CA2334616A1 (en) * | 1998-06-08 | 1999-12-16 | Kaufman Consulting Services Ltd. | Method and system for retrieving relevant documents from a database |
US6029890A (en) * | 1998-06-22 | 2000-02-29 | Austin; Frank | User-Specified credit card system |
US6343279B1 (en) * | 1998-08-26 | 2002-01-29 | American Management Systems, Inc. | System integrating credit card transactions into a financial management system |
US6466901B1 (en) | 1998-11-30 | 2002-10-15 | Apple Computer, Inc. | Multi-language document search and retrieval system |
US6339766B1 (en) * | 1998-12-02 | 2002-01-15 | Transactionsecure | Electronic payment system employing limited-use account number |
US6324526B1 (en) | 1999-01-15 | 2001-11-27 | D'agostino John | System and method for performing secure credit card purchases |
US6240397B1 (en) * | 1999-02-17 | 2001-05-29 | Arye Sachs | Method for transferring, receiving and utilizing electronic gift certificates |
US6375084B1 (en) * | 1999-03-29 | 2002-04-23 | Transmo Limited | Card charging systems |
US6227447B1 (en) * | 1999-05-10 | 2001-05-08 | First Usa Bank, Na | Cardless payment system |
US6175830B1 (en) | 1999-05-20 | 2001-01-16 | Evresearch, Ltd. | Information management, retrieval and display system and associated method |
AU2261501A (en) * | 1999-12-16 | 2001-06-25 | Debit.Net, Inc. | Secure networked transaction system |
US6990470B2 (en) | 2000-04-11 | 2006-01-24 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network |
GB0010422D0 (en) | 2000-04-28 | 2000-06-14 | Cast Technologies Limited | Payment apparatus and method |
US7196688B2 (en) * | 2000-05-24 | 2007-03-27 | Immersion Corporation | Haptic devices using electroactive polymers |
US6598031B1 (en) * | 2000-07-31 | 2003-07-22 | Edi Secure Lllp | Apparatus and method for routing encrypted transaction card identifying data through a public telephone network |
US20020152158A1 (en) * | 2001-04-12 | 2002-10-17 | International Business Machines Corporation | Digital money with usage-control |
EP1265202A1 (en) * | 2001-06-04 | 2002-12-11 | Orbis Patents Limited | Business-to-business commerce using financial transaction numbers |
US20030216997A1 (en) * | 2002-05-16 | 2003-11-20 | Cohen Morris E. | Financial cards |
KR100877067B1 (en) * | 2006-01-03 | 2009-01-07 | 삼성전자주식회사 | Haptic button, and haptic device using it |
-
1999
- 1999-01-15 US US09/231,745 patent/US6324526B1/en not_active Expired - Fee Related
-
2000
- 2000-01-13 WO PCT/US2000/000814 patent/WO2000042486A2/en active Application Filing
- 2000-01-13 AU AU26099/00A patent/AU2609900A/en not_active Abandoned
-
2001
- 2001-11-09 US US10/037,007 patent/US20020120587A1/en not_active Abandoned
-
2005
- 2005-10-17 US US11/252,009 patent/US7840486B2/en not_active Expired - Fee Related
-
2010
- 2010-10-12 US US12/902,399 patent/US8036988B2/en not_active Expired - Fee Related
-
2011
- 2011-07-26 US US13/191,066 patent/US20120095917A1/en not_active Abandoned
Patent Citations (13)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4893330A (en) * | 1989-06-01 | 1990-01-09 | American Telephone And Telegraph Company, At&T Bell Laboratories | Method and apparatus for restricting credit card communication calls |
US5177342A (en) * | 1990-11-09 | 1993-01-05 | Visa International Service Association | Transaction approval system |
US5500513A (en) * | 1994-05-11 | 1996-03-19 | Visa International | Automated purchasing control system |
US5505513A (en) * | 1994-06-27 | 1996-04-09 | Carsner; Danny W. | Convertible bed/seat for vehicle |
US5845281A (en) * | 1995-02-01 | 1998-12-01 | Mediadna, Inc. | Method and system for managing a data object so as to comply with predetermined conditions for usage |
US6029150A (en) * | 1996-10-04 | 2000-02-22 | Certco, Llc | Payment and transactions in electronic commerce system |
US5953710A (en) * | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
US20010011249A1 (en) * | 1997-05-13 | 2001-08-02 | Yasushi Yanagihara | Electronic money card, electronic money receiving/paying machine, and electronic money card editing device. |
US6163771A (en) * | 1997-08-28 | 2000-12-19 | Walker Digital, Llc | Method and device for generating a single-use financial account number |
US5914472A (en) * | 1997-09-23 | 1999-06-22 | At&T Corp | Credit card spending authorization control system |
US6000832A (en) * | 1997-09-24 | 1999-12-14 | Microsoft Corporation | Electronic online commerce card with customer generated transaction proxy number for online transactions |
US6456984B1 (en) * | 1999-05-28 | 2002-09-24 | Qwest Communications International Inc. | Method and system for providing temporary credit authorizations |
US20100012720A1 (en) * | 2008-07-21 | 2010-01-21 | Jon Baker-Dean | System and methods to select authorized vendors for prepaid debit card/credit card |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20100299258A1 (en) * | 1999-12-10 | 2010-11-25 | Terri Page | System and method for verifying the authenticity of a check and authorizing payment thereof |
Also Published As
Publication number | Publication date |
---|---|
AU2609900A (en) | 2000-08-01 |
US6324526B1 (en) | 2001-11-27 |
US20110071945A1 (en) | 2011-03-24 |
US7840486B2 (en) | 2010-11-23 |
WO2000042486A3 (en) | 2000-09-28 |
US20020120587A1 (en) | 2002-08-29 |
US20060031161A1 (en) | 2006-02-09 |
WO2000042486A2 (en) | 2000-07-20 |
US8036988B2 (en) | 2011-10-11 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US8036988B2 (en) | System and method for performing secure credit card transactions | |
US7536353B2 (en) | Secure transaction processing system and method | |
US7441697B2 (en) | Limited use pin system and method | |
US7627531B2 (en) | System for facilitating a transaction | |
US7606770B2 (en) | System and method for performing an on-line transaction using a single-use payment instrument | |
US20030055787A1 (en) | Electronic settlement method | |
US20020194080A1 (en) | Internet cash card | |
US20010051902A1 (en) | Method for performing secure internet transactions | |
US20070179866A1 (en) | Method for anonymous purchase of goods via an ecommerce website | |
US20070198410A1 (en) | Credit fraud prevention systems and methods | |
US20010025271A1 (en) | Commercial transaction system and method for protecting the security and privacy of buyers transacting business over a communication network | |
US20040153410A1 (en) | Anonymous payment system and method | |
EP1064611A1 (en) | A method for using a telephone calling card for business transactions | |
AU775065B2 (en) | Payment method and system for online commerce | |
US20050015304A1 (en) | Secure purchasing over the internet | |
JP2003532170A (en) | Systems and methods for secure electronic trading | |
US20020123935A1 (en) | Secure commerce system and method | |
US20050103836A1 (en) | Payment system | |
KR20010109016A (en) | Electronic Commercial Transaction Method and System Using Storage Means | |
Gelinas Jr et al. | Internet payment mechanisms: acceptance and control issues | |
WO2002054315A1 (en) | Secure transaction processing system | |
MXPA00009080A (en) | A method for using a telephone calling card for business transactions |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |