CLIENT FACILITATION OF ONLINE CARD PRESENT TRANSACTION

• US 20090157528A1
• Filed: 02/23/2009
• Published: 06/18/2009
• Est. Priority Date: 03/15/2001
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Hussain, Sohail M., Hobson, Carol Lee
• Granted Patent: US 7,933,842 B2
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• 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 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

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.

Claims

1. An online card-present transaction method, comprising:

transmitting to a merchant computer a request to facilitate a transaction with a merchant;

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 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 code associated with said digital certificate and generates a secondary transaction account code that is transmitted to said merchant computer.

2. The method of claim 1, further comprising receiving said secondary transaction account code from said merchant computer as part of a settlement process.

3. The method of claim 2, further comprising applying a charge associated with said settlement process to a primary transaction account associated with said secondary account transaction code.

4. The method of claim 1, further comprising:

receiving said secondary transaction account code from said merchant computer as part of a settlement process; and

,

applying a charge associated with said settlement process to a transaction account associated with said secondary account transaction code.

5. The method of claim 1, further comprising entering a Personal Identification Number (PIN).

6. The method of claim 5, wherein said PIN triggers signing of a challenge string to create a signed challenge string

7. The method of claim 6, wherein said PIN accesses said digital certificate.

8. The method of claim 1, further comprising entering a Personal Identification Number (PIN) which triggers signing of a challenge string to create a signed challenge string and which accesses said digital certificate.

9. The method of claim 1, wherein said host computer authenticates said smart card.

10. The method of claim 1, wherein said host computer authenticates said smart card using said signed challenge string.

11. The method of claim 1, wherein said host computer authenticates said smart card using said copy of said digital certificate.

12. The method of claim 1, wherein said host computer authenticates said smart card using said signed challenge string and using said copy of said digital certificate.

13. The method of claim 1, wherein said secondary transaction account code is valid for a single purchase transaction.

14. The method of claim 1, further comprising associating said secondary transaction account code with said primary transaction account code.

15. The method of claim 1, wherein said merchant computer submits a payment request based on said secondary transaction account code.

16. A tangible computer-readable medium having stored thereon a plurality of instructions which are executed on a computer, said plurality of instructions comprising:

instructions to transmit to a merchant computer a request to facilitate a transaction with a merchant;

instructions to receive 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;

instructions to transmit a selection of said payment option;

instructions to receive a prompt from said merchant computer to insert said smart card into a smart card reader; and

,

instructions to transmit a digital certificate from said smart card to a host computer, wherein said host computer retrieves a primary transaction account code associated with said digital certificate and generates a secondary transaction account code that is transmitted to said merchant computer.