SYSTEM AND METHOD FOR CARDLESS SECURE ON-LINE CREDIT CARD/DEBIT CARD PURCHASING
First Claim
1. A system for secure on-line purchasing using a credit/debit card, said system comprising:
- a. an on-line purchaser executing an on-line purchase and having an interface with;
b. an on-line vendor having a credit/debit card payment screen;
c. at least one on-line credit/debit card service provider having an interface with said on-line purchaser and said on-line vendor; and
,d. an c-authentication and credential service provider having an interface with the on-line purchaser and said at least one on-line credit/debit card service provider, wherein said e-authentication and credential service provider provides means for secure on-line purchasing on a subscription basis that requires payment of a subscription fee and or as an alternative payment method a transaction fee;
e. wherein said means for secure on-line purchasing provides anonymity to the on-line purchase by hiding credit/debit card data during the on-line purchase making the purchase invisible to identity thieves and hackers.
1 Assignment
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Accused Products
Abstract
The invention is a system and method for cardless secure on-line purchasing using a credit/debit card. There is provided an on-line purchaser executing an on-line purchase with an on-line vendor having a credit/debit card payment screen. There is also at least one on-line credit/debit card service provider having an interface with the on-line purchaser the said on-line vendor. An e-authentication and credential service provider has an interface with the on-line purchaser and said at least one on-line credit/debit card service provider and provides means for secure on-line purchasing on a subscription basis by providing anonymity to the on-line purchase by hiding credit/debit card data during the on-line purchase making the purchase invisible to identity thieves and hackers.
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Citations
20 Claims
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1. A system for secure on-line purchasing using a credit/debit card, said system comprising:
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a. an on-line purchaser executing an on-line purchase and having an interface with; b. an on-line vendor having a credit/debit card payment screen; c. at least one on-line credit/debit card service provider having an interface with said on-line purchaser and said on-line vendor; and
,d. an c-authentication and credential service provider having an interface with the on-line purchaser and said at least one on-line credit/debit card service provider, wherein said e-authentication and credential service provider provides means for secure on-line purchasing on a subscription basis that requires payment of a subscription fee and or as an alternative payment method a transaction fee; e. wherein said means for secure on-line purchasing provides anonymity to the on-line purchase by hiding credit/debit card data during the on-line purchase making the purchase invisible to identity thieves and hackers. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method for cardless secure on-line credit/debit card purchasing between an on-line purchaser, an on-line vendor and an on-line credit card service provider, said method comprising the steps of:
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a. Providing an e-authentication and credential service provider having a website and secure on-line access to said website; b. Enrolling said on-line purchaser and said on-line credit card service provider on a subscription basis into said e-authentication and credential service; c. Obtaining a list of credit card names used by the on-line purchaser for on-line credit card purchases; d. Issuing a personal digital security token having a serial number to the on-line purchaser by the e-authentication and credential service provider; e. Recording at least one biometric on said personal digital security token by the on-line purchaser; and
,f. Recording at least one identity credential on the personal digital security token by the on-line purchaser. - View Dependent Claims (17, 18, 19, 20)
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Specification