System for providing cardless payment
First Claim
1. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
- an account controller operating processor portion including a database, the account controller operating processor portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder;
an interface processor portion in communication with the account controller operating processor portion, the interfaces processor portion effecting a transaction for the account-holder by receiving from the account-holder the selected alias and an entered personal identification entry into the interface processor portion, the interfaces processor portion communicating the selected alias and entered personal identification entry to the account controller operating processor portion;
wherein the account controller operating processor portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the account controller operating processor portion authenticating the transaction and communicating such authentication to the interfaces processor portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and
the interface processor portion completing the transaction for the account number if the transaction is authenticated; and
wherein one of the selected alias and the selected personal identification entry includes both;
a static portion, the static portion being a designated portion of the selected alias or the selected personal identification entry that is not changed; and
a dynamic portion, the dynamic portion being a designated portion of the selected alias or the selected personal identification entry that is changed while the static portion is not changed.
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
41 Claims
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1. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
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an account controller operating processor portion including a database, the account controller operating processor portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder; an interface processor portion in communication with the account controller operating processor portion, the interfaces processor portion effecting a transaction for the account-holder by receiving from the account-holder the selected alias and an entered personal identification entry into the interface processor portion, the interfaces processor portion communicating the selected alias and entered personal identification entry to the account controller operating processor portion; wherein the account controller operating processor portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the account controller operating processor portion authenticating the transaction and communicating such authentication to the interfaces processor portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and the interface processor portion completing the transaction for the account number if the transaction is authenticated; and wherein one of the selected alias and the selected personal identification entry includes both; a static portion, the static portion being a designated portion of the selected alias or the selected personal identification entry that is not changed; and a dynamic portion, the dynamic portion being a designated portion of the selected alias or the selected personal identification entry that is changed while the static portion is not changed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 33, 34, 35, 36, 37)
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32. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
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a account controller operating processor portion including a database, the account controller operating processor portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder; an interface processor portion in communication with the account controller operating processor portion, the interface processor portion effecting a transaction for the account-holder by receiving from the account-holder the selected alias and an entered personal identification entry into the interface processor portion, the interface processor portion communicating the selected alias and entered personal identification entry to the account controller operating processor portion; wherein the account controller operating processor portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the account controller operating processor portion authenticating the transaction and communicating such authentication to the interface processor portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and the interface processor portion completing the transaction for the account number if the transaction is authenticated; and wherein the selected personal identification entry is one of a plurality of possible selected personal identification entries, the account controller operating processor portion determining the particular selected personal identification entry from the plurality of possible selected personal identification entries based on a rotation through the plurality of possible selected personal identification entries; and the entered personal identification entry is one of a plurality of possible entered personal identification entries, the account-holder determining the particular entered personal identification entries from the plurality of possible entered personal identification entries based on a rotation through the plurality of possible entered personal identification entries; and wherein the rotation, performed by the account controller operating processor portion, through the plurality of possible selected personal identification entries corresponds to the rotation, performed by the account holder interfacing with the interface processor portion, through the plurality of possible entered personal identification entries.
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38. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
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an account controller operating processor portion including a database, the account controller operating processor portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder; an interface processor portion in communication with the account controller operating processor portion, the interfaces processor portion effecting a transaction for the account-holder by receiving from the account-holder the selected alias and an entered personal identification entry into the interface processor portion, the interfaces processor portion communicating the selected alias and entered personal identification entry to the account controller operating processor portion; wherein the account controller operating processor portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the account controller operating processor portion authenticating the transaction and communicating such authentication to the interfaces processor portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and the interface processor portion completing the transaction for the account number if the transaction is authenticated; and wherein the selected personal identification entry is one of a plurality of possible selected personal identification entries, the account controller operating processor portion determining a particular selected personal identification entry from the plurality of possible selected personal identification entries based on a rotation through the plurality of possible selected personal identification entries; and the entered personal identification entry is one of a plurality of possible entered personal identification entries, the account controller operating processor portion determining a particular entered personal identification entries from the plurality of possible entered personal identification entries based on a rotation through the plurality of possible entered personal identification entries; and wherein there are three possible selected personal identification entries that correspond to three possible entered personal identification entries.
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39. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
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an account controller operating processor portion including a database, the account controller operating processor portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder; an interface processor portion in communication with the account controller operating processor portion, the interfaces processor portion effecting a transaction for the account-holder by receiving from the account-holder the selected alias and an entered personal identification entry into the interface processor portion, the interfaces processor portion communicating the selected alias and entered personal identification entry to the account controller operating processor portion; wherein the account controller operating processor portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the account controller operating processor portion authenticating the transaction and communicating such authentication to the interface processor portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and the interface processor portion completing the transaction for the account number if the transaction is authenticated; wherein the selected personal identification entry is one of a plurality of possible selected personal identification entries, the account controller operating processor portion determining a particular selected personal identification entry from the plurality of possible selected personal identification entries based on a rotation through the plurality of possible selected personal identification entries; and the entered personal identification entry is one of a plurality of possible entered personal identification entries, the account controller operating processor portion determining a particular entered personal identification entries from the plurality of possible entered personal identification entries based on a rotation through the plurality of possible entered personal identification entries; wherein the account controller operating processor portion, through the interface processor portion, prompts the account-holder for the particular entered personal identification entry by providing a personal identification entry rotation number.
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40. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
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an account controller operating processor portion including a database, the account controller operating processor portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder; an interface processor portion in communication with the account controller operating processor portion, the interfaces processor portion effecting a transaction for the account-holder by receiving from the account-holder the selected alias and an entered personal identification entry into the interface processor portion, the interface processor portion communicating the selected alias and entered personal identification entry to the account controller operating processor portion; wherein the account controller operating processor portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the account controller operating processor portion authenticating the transaction and communicating such authentication to the interfaces processor portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and the interfaces processor portion completing the transaction for the account number if the transaction is authenticated; wherein the account is a funds account, and wherein the account is one of a plurality of possible funds accounts; and the entered personal identification entry, entered into the interface processor portion and communicated to the account controller operating processor portion, is one of a plurality of possible entered personal identification entries; and the account controller operating processor portion determines, based on the one of a plurality of possible entered personal identification entries, the hierarchical ranking of the order in which the plurality of possible funds accounts are accessed for withdrawal of funds.
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41. A system for completing a transaction relating to an account in the system wherein an account-holder is not required to know an account number and is not required to have an account card physically present during the transaction, the system comprising:
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an account controller operating processor portion including a database, the account controller operating processor portion linking a selected alias of the account-holder with the account number of the account and a selected personal identification entry, which is associated with the account number, in the database, wherein each of the selected alias and the selected personal identification entry is previously selected by the account-holder; an interface processor portion in communication with the account controller operating processor portion, the interfaces processor portion effecting a transaction for the account-holder by receiving from the account-holder the selected alias and an entered personal identification entry into the interface processor portion, the interface processor portion communicating the selected alias and entered personal identification entry to the account controller operating processor portion; wherein the account controller operating processor portion searches the database for the selected alias and the selected personal identification entry that is linked to the selected alias, the account controller operating processor portion authenticating the transaction and communicating such authentication to the interface processor portion if the entered personal identification entry entered by the account-holder matches the selected personal identification entry found through the database search; and the interface processor portion completing the transaction for the account number if the transaction is authenticated; and wherein the account controller operating processor portion processes the selected alias of the account-holder prior to the account-holder submitting the selected personal identification entry.
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Specification