System, apparatus and method for obtaining one-time credit card numbers using a smart card
First Claim
1. An apparatus, comprising:
- an electronic data card;
said electronic data card configured for being accessed by an electronic data card application program executable on a computer;
said electronic data card further configured for receiving, via said electronic data card application program, a temporary card number from an issuing institution, or card issuer, of the electronic data card; and
said electronic data card further configured for automatically communicating said received temporary card number in response to submission of a purchase transaction through an electronic purchase transaction infrastructure.
1 Assignment
0 Petitions
Accused Products
Abstract
A system, apparatus and method for utilizing one-time, or temporary, “credit” card information for executing purchase transactions with a smart card or similar electronic data card device. The card is activated in an activation process with the issuer prior to receiving and utilizing temporary card information (numbers). Retrieval and submission of temporary card information is performed in an automatic process executed by application programming, such as within a web browser. By way of example, a user surfing the web commences a purchase transaction wherein their smart card communicates with the issuer of the smart card to retrieve one-time or temporary use card data which is submitted through the network for processing within the transaction. In one embodiment the programming is executed within a web browser which marks card data fields within transaction forms and automatically fills these fields with temporary card information received from the issuer.
342 Citations
28 Claims
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1. An apparatus, comprising:
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an electronic data card;
said electronic data card configured for being accessed by an electronic data card application program executable on a computer;
said electronic data card further configured for receiving, via said electronic data card application program, a temporary card number from an issuing institution, or card issuer, of the electronic data card; and
said electronic data card further configured for automatically communicating said received temporary card number in response to submission of a purchase transaction through an electronic purchase transaction infrastructure. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system, comprising:
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an electronic data card;
a computer;
an electronic data card application program executable on said computer; and
a card reader/writer connected to said computer and configured for reading and writing to said electronic data card;
said electronic data card configured for being accessed by said electronic data card application program;
said electronic data card further configured for receiving, via said electronic data card application program, a temporary card number from an issuing institution, or card issuer, of the electronic data card; and
said electronic data card further configured for automatically communicating said received temporary card number in response to submission of a purchase transaction through an electronic purchase transaction infrastructure. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A method, comprising:
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providing an electronic data card;
said electronic data card configured for being accessed by an electronic data card application program executable on a computer;
said electronic data card further configured for receiving, via said electronic data card application program, a temporary card number from an issuing institution, or card issuer, of the electronic data card; and
said electronic data card further configured for automatically communicating said received temporary card number in response to submission of a purchase transaction through an electronic purchase transaction infrastructure. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25)
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26. A system for executing transactions with an electronic transaction card using temporary card information, comprising:
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a computer;
said computer configured for communicating over an electronic network;
said computer configured for reading and writing data from an electronic data card having memory configured for storing transaction account information; and
transaction execution programming executable on said computer for carrying out the operations of;
(i) establishing communication with an issuer of said electronic data card;
(ii) requesting receipt of temporary card information in response to the sending of a command to the card issuer;
(iii) retrieving temporary card information from said issuer in response to said command;
(iv) storing said temporary card information received from said issuing institution on said electronic transaction card, or said computer, or a combination of said computer and said electronic transaction card, (v) detecting the presence of transaction field, or fields, adapted for receiving a card number;
(vi) automatically filling in said field with said temporary card information from said issuer in response to user selection of an auto-fill mode, or the execution of auto-fill mode as a default setting, or the execution of auto-fill mode in response to a non-web-based merchant transaction; and
(v) submitting said temporary card information within a set of information sent for executing a purchase transaction;
wherein said temporary card information is configured to be valid for executing said purchase transaction for a limited number of transactions, over a limited amount of time, or a combination of limited time and transaction execution.
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27. A method of executing transactions with an electronic transaction card using automatic temporary card information, comprising:
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reading an electronic transaction card, said electronic transaction card having memory configured for storing transaction card information from a computer, said computer configured for submitting purchase transactions over an electronic network;
establishing communication over an electronic network between said computer and an issuer of the electronic data card, said computer further configured for reading from said electronic transaction card;
sending a command to retrieve temporary card information from the issuer;
storing said temporary card information on said electronic transaction card, or said computer, or a combination of said computer and said electronic transaction card;
detecting the presence of at least one transaction field adapted for receiving card information for executing the transaction;
automatically filling in said transaction field with said temporary card information from the issuer in response to user selection of an auto-fill mode, or the execution of auto-fill mode as a default setting, or the execution of auto-fill mode in response to a non-web-based merchant transaction; and
submitting said temporary card information within a set of information sent for executing a purchase transaction;
wherein said temporary card number is configured to be valid for executing said purchase transaction for a limited number of transactions, over a limited amount of time, or a combination of limited time and transaction execution.
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28. An apparatus for executing a transaction with an electronic transaction card using automatic temporary account information, comprising:
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an electronic data card application executable on a computer and configured for accessing an electronic data card in response to establishing connectivity between said electronic data card and said computer;
means for enabling the electronic data card to receive a temporary card number for use by the electronic data card application in executing a purchase transaction;
means for retrieving a temporary card number for the electronic data card application from an issuing institution, or card issuer, of the electronic data card; and
means for automatically communicating said retrieved temporary card number from the electronic data card application in response to submission of a purchase transaction through an electronic transaction infrastructure.
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Specification