SYSTEM FOR PROVIDING CARDLESS PAYMENT
5 Assignments
0 Petitions
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
63 Claims
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1-43. -43. (canceled)
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44. A method for conducting a transaction comprising:
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receiving a payment request message, at a server computer, from a cellular phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a combination of a personal alias associated with the payee, a payment card alias, and a transaction amount, and wherein the personal alias allows the personal information of the payee to remain confidential; analyzing the payment request message, using the server computer, to determine if the payer is authorized to pay the payee; and sending a payment notification message, using the server computer, to the payee indicating that a payment from the payer to the payee has been made. - View Dependent Claims (45)
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46. A computer readable medium comprising code for:
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receiving a payment request message from a cellular phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a combination of a personal alias associated with the payee, a payment card alias, and a transaction amount, and wherein the personal alias allows the personal information of the payee to remain confidential; analyzing the payment request message to determine if the payer is authorized to pay the payee; and sending a payment notification message to the payee indicating that a payment from the payer to the payee has been made.
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47. A server computer comprising a computer readable medium comprising:
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code for receiving a payment request message from a cellular phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a combination of a personal alias associated with the payee, a payment card alias, and a transaction amount, and wherein the personal alias allows the personal information of the payee to remain confidential; code for analyzing the payment request message to determine if the payer is authorized to pay the payee; and code for sending a payment notification message to the payee indicating that a payment from the payer to the payee has been made.
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48. A system comprising:
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a server computer comprising a computer readable medium comprising;
code for receiving a payment request message from a cellular phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a combination of a personal alias associated with the payee, a payment card alias, and a transaction amount, and wherein the personal alias allows the personal information of the payee to remain confidential;
code for analyzing the payment request message to determine if the payer is authorized to pay the payee; and
code for sending a payment notification message to the payee indicating that a payment from the payer to the payee has been made; anda cellular phone.
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49. A method for conducting a transaction comprising:
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receiving a payment request message, at a server computer, from a payer, the payment request message comprising a combination of an amount of money to be paid to a payee, an alias associated with the payee, and a payment card alias, and wherein the alias associated with the payee allows the personal information of the payee to remain confidential, where the payment request message is sent by the payer via a cellular phone operated by the payer;
sending an authentication request message, using the server computer, to the cellular phone in response to the payment request message, where the authentication request message is sent to the cellular phone;receiving authentication information, at the server computer, from the payer in response to sending the authentication request message, where the authentication information is sent by the payer using the cellular phone; verifying that the authentication information is associated with the payer, using the server computer; and if the authentication information is verified as being associated with the payer, then initiating a payment, using the server computer, for the amount of money to the payee using the alias. - View Dependent Claims (50, 51, 52, 53, 54, 55)
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56. A method for registering an alias comprising:
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receiving a registration request, at a server computer, from a payee to create an alias uniquely associated with that payee, where the request specifies the alias requested, and wherein the payee operates a cellular phone and can receive or make payments using the alias and cellular phone, and wherein the alias allows the personal information of the payee to remain confidential; comparing the alias, using the server computer, with other previously registered aliases associated with other payees; and if the requested alias has not already been associated with another payee, registering the alias with the payee, using the server computer,.
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57. A server computer comprising a computer readable medium comprising:
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code for receiving a registration request from a payee to create an alias uniquely associated with that payee, where the request specifies the alias requested, and wherein the payee operates a cellular phone and can receive or make payments using the alias and cellular phone and wherein the alias allows the personal information of the payee to remain confidential; code for comparing the alias with other previously registered aliases associated with other payees; and code for if the requested alias has not already been associated with another payee, registering the alias with the payee.
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58. A method for conducting a transaction comprising:
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sending a payment request message using a cellular phone to a payment processing network, where the payment request message comprises a combination of a payment card alias, an amount of money to be paid and an alias, where the alias is associated with a payee, and wherein the alias associated with the payee allows the personal information of the payee to remain confidential; receiving in response to the payment request message an authentication request message, where the authentication request message is received via the cellular phone; and sending authentication information in response to the authentication request message, using the cellular phone. - View Dependent Claims (59, 60, 61, 62, 63)
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Specification