System for providing cardless payment
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.
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Citations
71 Claims
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1-43. -43. (canceled)
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44. A method for completing an authentication relating to an account of an account-holder, the account associated with a stored account number, a stored alias and a stored personal identification entry, the stored alias being linked with both the stored account number and the stored personal identification entry in a database, the method comprising:
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receiving from the account-holder a submitted alias, the submitted alias including a biometric parameter;
searching the database to identify a stored alias that matches the submitted alias;
identifying the stored personal identification entry that is linked to the matching stored alias;
prompting the account-holder for entry of a submitted personal identification entry;
accepting entry of the submitted personal identification entry;
determining whether the submitted personal identification entry matches with the stored personal identification entry;
based on the determining, outputting an authentication determination, the authentication determination being one of an authentication and a non-authentication. - View Dependent Claims (45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59)
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60. A method for completing an authentication relating to an account of an account-holder, the account associated with a stored account number, a stored alias and a stored personal identification entry, the stored alias being linked with both the stored account number and the stored personal identification entry in a database, the method comprising:
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receiving from the account-holder an alias;
searching the database to identify a stored alias that matches the alias;
identifying the stored personal identification entry that is linked to the matching stored alias;
prompting the account-holder for entry of a personal identification entry;
accepting entry of the personal identification entry;
determining whether the personal identification entry matches with the stored personal identification entry;
based on the determining, outputting an authentication determination, the authentication determination being one of an authentication and a non-authentication; and
wherein the stored personal identification entry is one of a plurality of stored personal identification entries associated with the account, the method further including determining a particular stored personal identification entry from the plurality of stored personal identification entries based on a rotation through the plurality of stored personal identification entries; and
the method further including providing a prompt to the account-holder during the authentication, the prompt including information regarding the required the personal identification entry. - View Dependent Claims (61, 62, 63, 64)
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65. A system for completing an authentication relating to an account of an account-holder, the account associated with a stored account number, a stored alias and a stored personal identification entry, the system comprising:
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an account controller operating processor portion including a database, the account controller operating processor portion linking the stored alias and the stored personal identification entry, which is associated with the account number, in the database, at least one of the stored alias and the stored personal identification entry including a biometric parameter;
an interface processor portion in communication with the account controller operating processor portion, the interface processor portion receiving from the account-holder an alias and a personal identification entry into the interface processor portion, the interface processor portion communicating the alias and the personal identification entry to the account controller operating processor portion;
wherein the account controller operating processor portion searches the database for the alias and the stored personal identification entry that is linked to the alias, the account controller operating processor portion determining an authentication result upon comparing the personal identification entry to the stored personal identification entry found through the database search; and
communicating such authentication result to the interface processor portion for communication to the account-holder. - View Dependent Claims (66, 67, 68)
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69. A method for completing an authentication relating to an account of an account-holder, the account associated with a stored account number, a stored alias and a stored personal identification entry, the stored alias being linked with both the stored account number and the stored personal identification entry in a database, the method comprising:
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receiving from the account-holder an alias;
searching the database to identify a stored alias that matches the alias;
identifying the stored personal identification entry that is linked to the matching stored alias;
prompting the account-holder for entry of a personal identification entry, the personal identification entry including a biometric parameter;
accepting entry of the personal identification entry;
determining whether the personal identification entry matches with the stored personal identification entry;
based on the determining, outputting an authentication determination, the authentication determination being one of an authentication and a non-authentication. - View Dependent Claims (70, 71)
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Specification