SYSTEM AND METHOD FOR SELECTING SECURE CARD NUMBERS

• US 20090132417A1
• Filed: 12/28/2007
• Published: 05/21/2009
• Est. Priority Date: 11/15/2007
• Status: Abandoned Application

• Current Assignee: eBay Inc.
• Original Assignee: eBay Inc.
• Inventors: Scipioni, German, Huang, Jennifer
• Application Number:
  US11/966,781
• Publication Number:
  US 20090132417A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Embodiments of the present disclosure provide a plug-in feature for a browser that allows for secure financial transactions on a communication network. The plug-in feature generates secure card numbers (e.g., single and multi-use credit card numbers) to pay for purchases. The plug-in feature auto-fills billing and shipping information. The plug-in feature allows a user to store receipts in an efficient and convenient manner to track online shopping activities. The plug-in feature may be implemented in a toolbar of a browser.

Claims

1. A system for facilitating financial transactions over a network, the system comprising:

a first component adapted to communicate with a user via a client device over the network; and

a second component adapted to receive a request for at least one secure card number from the user via the client device over the network and process the request by generating at least one secure card number based on user information passed with the request,

wherein the request includes a selection of a single-use or multi-use secure card number.

2. The system of claim 1, wherein the request includes edited parameters of the selected single-use or multi-use secure card number.

3. The system of claim 1, wherein the first component is adapted to communicate with the client device via a browser application having a plug-in module.

4. The system of claim 3, wherein the plug-in module is adapted to allow the user to submit the request for the at least one secure card number to the system via the client device over the network.

5. The system of claim 3, wherein the plug-in module is adapted to provide a drop-down dashboard to the user from a toolbar of the browser application.

6. The system of claim 5, wherein the drop-down dashboard provides selection of one or more secure card numbers in a single-use or multi-use format to facilitate financial transactions over the network.

7. The system of claim 1, wherein the second component is adapted to receive a request to edit one or more parameters of the selected secure card number including at least one of extending an expiration date of the selected secure card number and cancelling the selected secure card number.

8. The system of claim 1, wherein the second component is adapted to verify the identity of the user based on the user information passed with the request.

9. The system of claim 1, wherein the second component comprises a payment processing application adapted to interface with one or more merchant devices on behalf of the client device during a financial transaction.

10. The system of claim 9, wherein the payment processing application is adapted to interface with the user via the client device over the network to facilitate financial transactions between the client device and the one or more merchant devices.

11. The system of claim 1, further comprising a third component adapted to maintain a plurality of accounts for one or more users and merchants, the accounts including account information related to the one or more users and merchants.

12. The system of claim 11, wherein the account information comprises private financial information of the users and merchants including at least one or more account numbers, passwords, credit card information, and banking information.

13. The system of claim 11, wherein the account information provides the user access to a list of generated secure card numbers.

14. The system of claim 13, wherein the list provides a historical listing of generated secure card numbers related to the user.

15. A method for facilitating financial transactions over a network, the method comprising:

receiving a request for at least one secure card number from a user via the network, the request includes information related to the user;

processing the request by generating the at least one secure card number based on the information passed with the request; and

completing the request by providing the at least one generated secure card number to the user via the network,

wherein the request includes selecting a single-use or multi-use secure card number.

16. The method of claim 15, further comprising providing the user access to a list of generated secure card numbers.

17. The method of claim 16, wherein the list provides a historical listing of generated secure card numbers.

18. The method of claim 15, further comprising editing one or more parameters of the selected secure card number including at least one of extending an expiration date of the selected secure card number and cancelling the selected secure card number.

19. The method of claim 15, further comprising verifying the user information by accessing a user account based on the user information to verify the identity of the user.

20. The method of claim 15, further comprising maintaining a plurality of accounts including the user account that includes financial information related to the user.

21. The method of claim 15, further comprising providing a plug-in module to the user, wherein the plug-in module provides a browser request mechanism to the user via a client device operated by the user.

22. The method claim 21, wherein the plug-in module comprises a software application executable by a processor on a client device used by the user.

23. The method of claim 21, wherein the plug-in module is adapted to allow a user to login to an account related to the user for identity verification based on the user information passed with the request.

24. Software encoded in one or more computer readable media and when executed operable to:

receive a request for at least one secure card number from a user via the network, the request includes information related to the user;

process the request by generating the at least one secure card number based on the information passed with the request; and

complete the request by providing the at least one generated secure card number to the user via the network,

wherein the request includes selecting a single-use or multi-use secure card number.