System for providing cardless payment

• US 20070276764A1
• Filed: 08/03/2007
• Published: 11/29/2007
• Est. Priority Date: 09/21/2001
• Status: Abandoned Application

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Mann, William, Hirka, Jeffrey
• Application Number:
  US11/882,708
• Publication Number:
  US 20070276764A1
• Time in Patent Office: Days
• US Class Current: 705/65
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 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
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

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.

Claims

1-57. -57. (canceled)

58. A transaction card system, comprising:

an alias for an account-holder;

a plurality of personal identification entries wherein a first personal identification entry is associated with a first transaction account and a second personal identification entry is associated with a second transaction account; and

a card controller operating portion configured to receive the alias and one or more of the plurality of personal identification entries to identify a specified transaction account.

59. The transaction card system of claim 58, further comprising a remote terminal configured to communicate the alias and one or more of the plurality of personal identification entries to the card controller operating portion.

60. The transaction card system of claim 59, wherein the remote terminal is a telephone.

61. The transaction card system of claim 59, wherein the remote terminal is configured to communicate in a wireless manner.

62. The transaction card system of claim 59, wherein the communication between the remote terminal and the card controller operating portion is encrypted.

63. The transaction card system of claim 59, wherein the remote terminal is a terminal device with a keypad.

64. The transaction card system of claim 58, wherein the alias and the personal identification entry is entered based on human characteristic recognition.

65. The transaction card system of claim 59, wherein the remote terminal includes at least one of a fingerprint recognizer, gene identifier, DNA identifier, biometrics recognizer, retina identifier, and voice recognizer.

66. The transaction card system of claim 59, wherein the remote terminal displays a selection menu and receives a selection from the selection menu.

67. The transaction card system of claim 58, wherein the each transaction account is selected from the group consisting of one of the following:

a stored value account, a credit card account, a charge card account, or a debit card account.

68. The transaction card system of claim 58, further comprising:

a database comprising transaction account information, the transaction account information comprises the plurality of personal identification entries and the alias for the account-holder.

69. The transaction card system of claim 68, wherein the database is configured to identify a transaction account of the account holder based on the combination of the alias and a personal identification entry.

70. A transaction card system, comprising:

an alias for an account-holder;

a plurality of transaction accounts; and

a plurality of personal identification entries, wherein each personal identification entry specifies a hierarchical ranking among the plurality of transaction accounts; and

a card controller operating portion configured to receive the alias and one or more of the plurality of personal identification entries to identify a hierarchical ranking among the transaction accounts.

71. The transaction card system of claim 70, wherein the each of the plurality of transaction accounts is any one of the following:

a stored value account, a credit card account, a charge card account, or a debit card account.