System for providing cardless payment

• US 7,103,576 B2
• Filed: 09/21/2001
• Issued: 09/05/2006
• Est. Priority Date: 09/21/2001
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: First USA Bank N.A. (JP Morgan Chase & Co)
• Inventors: Hirka, Jeffrey L., Mann, William Frederick III
• Primary Examiner(s): Abdi, Kambiz
• Application Number:
  US09/956,997
• Publication Number:
  US 20030061167A1
• Time in Patent Office: 1,810 Days
• Field of Search: 705 64- 67, 705/72, 380 28- 30
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/383 Anonymous user system
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

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.

Claims

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.

2. The system of claim 1, wherein the account number is a credit card number, and the interface processor portion completing the transaction if the transaction is authenticated includes charging the credit card number.

3. The system of claim 1, wherein the transaction is completed over the Internet.

4. The system of claim 3, wherein the interface processor portion is a merchant.

5. The system of claim 1, wherein the account is selected from the group consisting of a credit card account, a mutual funds account, a money market account, a margin account, a bank account, a line of credit account, a sweeps card account, a stock account, and an information account.

6. The system of claim 1, wherein the interface processor portion is an automated teller machine.

7. The system of claim 1, wherein the selected personal identification entry is a personal identification number (PIN).

8. The system of claim 1, wherein the selected alias includes at least one of numbers, alphanumerics, names, phrases, fingerprint recognition, gene identification, DNA identification, biometrics, retina identification, and voice recognition.

9. The system of claim 1, wherein the selected personal identification entry includes at least one of numbers, alphanumerics, names, phrases, fingerprint recognition, gene identification, DNA identification, biometrics, retina identification, and voice recognition.

10. The system of claim 1, further including the account controller operating processor portion charging a fee in connection with performing the transaction for the account number if the transaction is authenticated.

11. The system of claim 1, wherein the interface processor portion is a merchant portion, and the merchant portion prompting the account-holder for entry of a further selection subsequent to the account-holder entering the selected alias and entered personal identification entry;

and wherein the merchant portion completing the transaction based on the further selection.

12. The system of claim 11, wherein the merchant portion prompts the account-holder for entry of a further selection using a selection menu, and wherein the further selection determines which one of a plurality of possible payment methods is used.

13. The system of claim 12, wherein the plurality of possible payment methods includes a credit payment method and a debit payment method.

14. The system of claim 1, wherein the account controller operating processor portion verifies the account-holder identification parameters of a computer of the account-holder, the computer used in the transaction.

15. The system of claim 1, wherein the interface processor portion includes a keypad, the selected alias and the entered personal identification entry are entered using the keypad.

16. The system of claim 1, wherein the account-holder is a first business entity and the account controller operating processor portion is a second business entity.

17. The system of claim 1, wherein the selected personal identification entry is an authorized signature, and the interface processor portion includes a digital signature pad, the account-holder signing a signed signature on a digital signature pad;

and

wherein the account controller operating processor portion compares the authorized signature with the signed signature.

18. The system of claim 17, wherein the account controller operating processor portion compares the authorized signature with the signed signature by comparing data points of the authorized signature with data points of the signed signature to determined if a level of similarity is attained.

19. The system of claim 1, wherein the account-holder changes a personal identification entry of the account-holder, the changing the personal identification entry of the account-holder including changing the personal identification entry from a prior personal identification entry to the selected personal identification entry.

20. The system of claim 19, wherein the account-holder changes the personal identification entry of the account-holder using at least one selected from the group of an Internet transmission, a telephone communication, a person-to-person communication, a cellular phone system communication, a personal communications service communication and by mail.

21. The system of claim 1, wherein the system further includes a personal digital assistant, the account-holder entering the selected alias and the entered personal identification entry into the personal digital assistant, the personal digital assistant then communicating the selected alias and the entered personal identification entry to the interface processor portion for authenticating the transaction.

22. The system of claim 21, wherein the interface processor portion includes a processing system of a cashier.

23. The system of claim 22, wherein the processing system of the cashier electronically transmits digital receipt information to the personal digital assistant.

24. The system of claim 1, wherein the selected personal identification entry includes:

a static portion, the static portion being a portion of the selected personal identification entry that is not changed; and

a dynamic portion, the dynamic portion being a portion of the selected personal identification entry that is changed, the account-holder changing the dynamic portion of the selected personal identification entry while not changing the static portion of the selected personal identification entry using the interface processor portion.

25. The system of claim 1, wherein at least one of the selected alias and the entered personal identification entry is based on human characteristic recognition.

26. The system of claim 25, wherein the interface processor portion includes at least one of a fingerprint recognizer, gene identifier, DNA identifier, biometrics recognizer, retina identifier, and voice recognizer.

27. The system of claim 1, wherein the account-holder enters a specialty personal identification entry using the interface processor portion, the specialty personal identification entry effecting an operation on the account.

28. The system of claim 27, wherein the entry of the specialty personal identification entry performs an operation selected from the group deactivating the account and activating the account.

29. The system of claim 27, wherein the account is a funds account and the entry of the specialty personal identification entry adjusts the available balance of the funds account.

30. The system of claim 1, wherein:

the account is one of a plurality of possible accounts; and

the interface processor portion accepting entry of the entered personal identification entry from the account-holder includes accepting entry of one of a plurality of possible entered personal identification entries, the one of a plurality of possible entered personal identification entries determining which of the plurality of possible accounts is used in the transaction.

31. The system of claim 30, further including the interface processor portion providing the account-holder with feedback information regarding which of the plurality of possible accounts was used in the transaction.

33. The system of claim 1, wherein the entered personal identification entry includes a first partial personal identification entry and a second partial personal identification entry;

and

the interface processor portion provided for accepting entry of the first partial personal identification entry by the first person; and

the interface processor portion provided for accepting entry of the second partial personal identification entry by the second person; and

wherein the first partial personal identification entry and a second partial personal identification entry collectively form the entered personal identification entry.

34. The system of claim 33, wherein the interface processor portion determines an elapsed time period between accepting entry of the first partial personal identification entry and accepting entry of the second partial personal identification entry;

and the interface processor portion nulls the second partial personal identification entry if the elapsed time period exceeds a predetermined time period.

35. The system according to claim 34, wherein the interface processor portion provides for accepting entry of the predetermined time period from the first person.

36. The system of claim 1, 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

p1 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.

37. The system of claim 1, 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.

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:

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.

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:

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.

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:

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.

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:

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.

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:

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.