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Method and system for verifying the identity of on-line credit card purchasers through a proxy transaction

  • US 20020091646A1
  • Filed: 10/22/2001
  • Published: 07/11/2002
  • Est. Priority Date: 11/03/2000
  • Status: Abandoned Application
First Claim
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1. A proxy process for emulating card-present credit card transactions in credit card purchase transactions occurring remotely between a credit cardholder'"'"'s computer and a merchant server over a computer network, the process comprising:

  • (a) collecting credit card information and identification information at a designated identifier;

    (b) transmitting the collected credit card information to an authentication server connected to a computer network;

    (c) performing an identification transaction wherein the authentication server determines whether the cardholder is authorized to use the credit card and, if so, the authentication server issues a code temporarily binding the identity of an individual possessing the code, the credit card information and the identification information to that of the credit cardholder who presented the credit card to the identifier;

    (d) creating a record of the identification transaction including the credit card information, the code, and the identity of the credit cardholder on the authentication server sending the code to the identifier and cardholder;

    (e) entering the credit card information and the code into the cardholder'"'"'s computer and sending the credit card information and code from the cardholder'"'"'s computer to the authentication server over a computer network;

    (f) comparing on the authentication server the credit card information and code submitted from the cardholder'"'"'s computer to the credit card information and code stored in the record of the identification transaction;

    (g) completing the identification transaction by transmitting a digital certificate from the authentication server to the cardholder'"'"'s computer when the card information and the code submitted from the cardholder'"'"'s computer match the card information and code stored in the record of the identification transaction on the authentication server;

    (h) the cardholder entering a purchase transaction with a merchant over a computer network from the cardholder'"'"'s computer to the merchant server by offering the credit card information and digital certificate as payment; and

    (i) the merchant web server validating the digital certificate from the authentication web server before authorizing the credit card purchase transaction.

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