ONLINE CARD PRESENT TRANSACTION
First Claim
1. An online card present transaction method comprising:
- generating an encrypted host computer signature;
embedding said signature in a browsing window;
directing said browsing window to a merchant, wherein said merchant authenticates an identity of said host computer by decrypting said host computer signature;
detecting the presence of a smart card reader connected to a client computer;
presenting to a user a payment option for using a smart card for payment in response to the detection of the smart card reader;
receiving a selection by said user of said payment option;
prompting said user to insert a smart card into said smart card reader;
receiving a digital certificate from said smart card;
generating a secondary transaction account number based on authentication of said digital certificate, wherein said secondary transaction account number is valid for a single purchase transaction;
associating said secondary transaction account number with said transaction account of said user; and
, communicating said secondary transaction account number over said authenticated communication channel to a merchant, wherein said merchant submits a payment request based on said secondary transaction account number.
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Accused Products
Abstract
An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via an authentication device. The host system, after authenticating a user is configured to retrieve the user'"'"'s account information from a user database system and translate a user account number into a temporary transaction number. The temporary transaction number is then transmitted directly from the host system to the merchant, thereby eliminating the need for the user to send to the merchant over the internet, the user'"'"'s transaction account number.
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Citations
20 Claims
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1. An online card present transaction method comprising:
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generating an encrypted host computer signature;
embedding said signature in a browsing window;
directing said browsing window to a merchant, wherein said merchant authenticates an identity of said host computer by decrypting said host computer signature;
detecting the presence of a smart card reader connected to a client computer;
presenting to a user a payment option for using a smart card for payment in response to the detection of the smart card reader;
receiving a selection by said user of said payment option;
prompting said user to insert a smart card into said smart card reader;
receiving a digital certificate from said smart card;
generating a secondary transaction account number based on authentication of said digital certificate, wherein said secondary transaction account number is valid for a single purchase transaction;
associating said secondary transaction account number with said transaction account of said user; and
,communicating said secondary transaction account number over said authenticated communication channel to a merchant, wherein said merchant submits a payment request based on said secondary transaction account number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. An online-card-present transaction method comprising:
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authenticating an identity of a host computer by decrypting a host computer signature, wherein said host computer;
generates an encrypted host computer signature;
embeds said signature in a browsing window of a client computer; and
,directs said browsing window to a merchant;
detecting the presence of a smart card reader connected to said client computer by a merchant computer;
presenting a user of said client computer with a payment option for using a smart card for payment in response to the detection of the smart card reader;
receiving a selection by said user of said payment option;
redirecting said client computer to a website of a host computer in response to said detection, wherein said host computer;
prompts said user to insert a smart card into said smart card reader;
receives a digital certificate from said smart card;
generates a secondary transaction account number based on authentication of said digital certificate, wherein said secondary transaction account number is valid for a single purchase transaction; and
,associates said secondary transaction account number with an account of said user;
communicates said secondary transaction account number to said client computer, wherein said user of said client computer submits a payment request based on said secondary transaction account number; and
,receiving account information including said secondary transaction account number from said host computer over said authenticated communication channel, wherein said account information and said secondary transaction account number facilitates completion of a transaction between said user and a merchant. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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20. An online card-present transaction method, comprising:
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transmitting to a merchant computer a request to facilitate a transaction with a merchant, wherein said merchant computer authenticates an identity of a host computer by decrypting a host computer signature, wherein said host computer generates an encrypted host computer signature, embeds said signature in a browsing window of a client computer and directs said browsing window to a merchant, wherein said merchant an identity;
receiving a payment option for using a smart card for payment in response to said merchant computer detecting a presence of a smart card reader connected to a client;
transmitting a selection by said user of said payment option;
receiving a prompt from said merchant computer to insert said smart card into a smart card reader; and
,transmitting a digital certificate from said smart card to a host computer, wherein said host computer retrieves a primary transaction account number associated with said digital certificate and generates a secondary transaction account number that is transmitted to said merchant computer.
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Specification