System for providing cardless payment
First Claim
1. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
- a card controller operating portion including a database, the card controller operating portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder;
an interface portion in communication with the card controller operating portion, the interface portion effecting a transaction for the account-holder by the account-holder entering the selected alias and an entered personal identification entry into the interface portion, the interface portion communicating the selected alias and entered personal identification entry to the card controller operating portion;
wherein the card controller operating portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the card controller operating portion authenticating the transaction and communicating such authentication to the interface portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and
the interface portion completing the transaction for the account number if the transaction is authenticated.
5 Assignments
0 Petitions
Accused Products
Abstract
The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder'"'"'s credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.
157 Citations
43 Claims
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1. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
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a card controller operating portion including a database, the card controller operating portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder;
an interface portion in communication with the card controller operating portion, the interface portion effecting a transaction for the account-holder by the account-holder entering the selected alias and an entered personal identification entry into the interface portion, the interface portion communicating the selected alias and entered personal identification entry to the card controller operating portion;
wherein the card controller operating portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the card controller operating portion authenticating the transaction and communicating such authentication to the interface portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and
the interface portion completing the transaction for the account number if the transaction is authenticated. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 40, 41, 42, 43)
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38. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
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a card controller operating portion including a database, the card controller operating portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder;
an interface portion in communication with the card controller operating portion, the interface portion effecting a transaction for the account-holder by the account-holder entering the selected alias and an entered personal identification entry into the interface portion, the interface portion communicating the selected alias and entered personal identification entry to the card controller operating portion;
wherein the card controller operating portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the card controller operating portion authenticating the transaction and communicating such authentication to the interface portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and
the interface portion completing the transaction for the account number if the transaction is authenticated; and
wherein the selected personal identification entry is one of a plurality of possible selected personal identification entries, the card controller operating portion determining the particular selected personal identification entry from the plurality of possible selected personal identification entries based on a rotation through the plurality of possible selected personal identification entries; and
the entered personal identification entry is one of a plurality of possible entered personal identification entries, the account-holder determining the particular entered personal identification entries from the plurality of possible entered personal identification entries based on a rotation through the plurality of possible entered personal identification entries; and
wherein the rotation through the plurality of possible selected personal identification entries corresponds to the rotation through the plurality of possible entered personal identification entries.
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39. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
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a card controller operating portion including a database, the card controller operating portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder;
an interface portion in communication with the card controller operating portion, the interface portion effecting a transaction for the account-holder by the account-holder entering the selected alias and an entered personal identification entry into the interface portion, the interface portion communicating the selected alias and entered personal identification entry to the card controller operating portion;
wherein the card controller operating portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the card controller operating portion authenticating the transaction and communicating such authentication to the interface portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and
the interface portion completing the transaction for the account number if the transaction is authenticated; and
wherein the account-holder enters a specialty personal identification entry using the interface portion, the specialty personal identification entry effecting an operation on the account, the specialty personal identification entry performing an operation selected from the group of deactivating the account and activating the account.
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Specification