System for providing cardless payment
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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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1-57. -57. (canceled)
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58. A transaction card system, comprising:
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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. - View Dependent Claims (59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69)
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70. A transaction card system, comprising:
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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. - View Dependent Claims (71)
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Specification