PHYSICAL PRESENCE DIGITAL AUTHENTICATION SYSTEM

• US 20130332355A1
• Filed: 08/12/2013
• Published: 12/12/2013
• Est. Priority Date: 09/16/1998
• Status: Abandoned Application

• Current Assignee: Dialware Incorporated
• Original Assignee: Dialware Incorporated
• Inventors: ATSMON, Alon, Antebi, Amit, Lev, Zvi, Cohen, Moshe, Speyer, Gabriel, Sege, Alan, Altman, Nathan, Anati, Ram
• Application Number:
  US13/964,208
• Publication Number:
  US 20130332355A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 21/41 where a single sign-on provides access to a plurality of computers
• CPC Class Codes: G06F 21/445 by mutual authentication, e.g. between devices or programs
• CPC Class Codes: G06F 2221/2103 Challenge-response
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/343 Cards including a counter
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• 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 20/40975 using encryption therefor
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/025 : by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07G 1/0036 : Checkout procedures
• CPC Class Codes: H04B 11/00 : Transmission systems employing sonic, ultrasonic or infrasonic waves

Abstract

The interactive authentication system allows a consumer to interact with a base station, such as broadcast media (e.g., television and radio) or PC, to receive coupons, special sales offers, and other information with an electronic card. The electronic card can also be used to transmit a signal that can be received by the base station to perform a wide variety of tasks. These tasks can include launching an application, authenticating a user at a website, and completing a sales transaction at a website (e.g., by filling out a form automatically). The interaction between the base station and the electronic card is accomplished by using the conventional sound system in the base station so that a special reader hardware need not be installed to interact with the electronic card. The user is equipped with an electronic card that can receive and transmit data via sound waves. In the various embodiments, the sound waves can be audible or ultrasonic (which can be slightly audible to some groups of people).

Claims

1. A method for performing a secure on-line transaction comprising:

transmitting selected payment data to a card issue server, said selected payment data including at least one payment type selected from a predetermined list of payment types and, for each selected payment type, a selected amount, by a user;

transmitting purchase data and the payment data to a merchant server by one of the card issue server and the user; and

processing the purchase data and the payment data by the merchant server.

2. The method according to claim 1, wherein said transmitting selected payment data includes transmitting a request to pay a first part of a transaction price with a selected currency type and to pay a second part of the transaction price with points.

3. The method according to claim 1, wherein said transmitting purchase data and payment data includes transmitting at least one of the user name, shipping address, billing address, and credit card number.

4. The method according to claim 1, wherein said processing includes finalizing a sale by the merchant server.

5. The method according to claim 1, further comprising, before said transmitting selected payment data:

transmitting a first signal indicating a user digital identification (ID) by an electronic card;

receiving the first signal by a user computer;

transmitting a second signal indicating the digital ID by the user computer to a card issue server, wherein the card issue server stores data associated with the user, said data including the user digital ID and user account information;

authenticating the digital ID by the card issue server; and

selecting payment data by the user;

said transmitting purchase data and payment data being performed after said authenticating and said selecting payment data;

said method further comprising transmitting a confirmation signal indicating completion of the transaction to one of the user computer and the card issue server by the merchant server.

6. The method according to claim 5, wherein the digital ID is encrypted, said method further including decrypting the digital ID by the card issue server.

7. The method according to claim 5, further comprising, after said transmitting the digital ID, transmitting the URL of the merchant server to the card issue server.

8. The method according to claim 7, wherein said transmitting the URL of the merchant server to the card issue server is performed one of simultaneous to and subsequent to said transmitting the digital ID to the card issue server.

9. The method according to claim 5, wherein the payment type is selected from currency, frequent flyer miles, points, and goods.

10. The method according to claim 9 wherein said selecting includes indicating, for each selected payment type, a corresponding percentage of the total payment data.

11. The method according to claim 5, said method further comprising, for each selected payment type and selected amount, transmitting the payment data to the card issue server.

12. The method according to claim 11, wherein the card issue server deducts the selected amount of each selected payment type from a user account.

13. The method according to claim 12, wherein said card issue server deducts the selected amount of each selected payment type one of subsequent to completion of the transaction and immediately subsequent to said selecting.

14. The method according to claim 1, said method further comprising, after said processing, transmitting a confirmation of transaction completion to one of the card issue server and a user computer by the merchant server.

15. The method according to claim 14, the confirmation of transaction completion being sent to the card issue server by the merchant server;

said method further comprising transmitting the confirmation to the user computer by the card issue server.

16. The method according to claim 5, wherein said transmitting payment data is performed by the card issue server and wherein said transmitting payment data is performed one of immediately subsequent to said selecting and immediately subsequent to said authenticating.

17. The method according to claim 5, wherein said selecting is performed after said transmitting a confirmation signal indicating completion of the transaction.

18. The method according to claim 1, wherein said transmitting selected payment data is performed by the user at a user computer located at a location accessible to at least a second user.

19. The method according to claim 5, wherein said transmitting selected payment data is performed by the user via a user computer.

20. The method according to claim 19, wherein said user computer is one of a base station, a personal computer, a PDA, and an electronic device.

21. The method according to claim 1, further comprising off-line authenticating of the user.

22. The method according to claim 1, wherein said transmitting selected payment data is performed by the user at a user computer located at a location accessible to a plurality of users.

23. The method according to claim 22, wherein the location accessible to a plurality of users is a point of sale location.