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Online card present transaction

  • US 7,415,443 B2
  • Filed: 09/24/2007
  • Issued: 08/19/2008
  • Est. Priority Date: 03/15/2001
  • Status: Expired due to Fees
First Claim
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1. An online card present transaction method compnsing:

  • generating an encrypted host computer signature;

    embedding said signature in a browsing window;

    directing said browsing window to a merchant, wherein said merchant authenticates an identity of said host computer by decrypting said host computer signature;

    detecting, by a host computer, the presence of a smart card reader connected to a client computer;

    presenting to a user a payment option for using a smart card for payment in response to the detection of the smart card reader;

    receiving a selection by said user of said payment option;

    prompting said user to insert a smart card into said smart card reader;

    receiving a digital certificate from said smart card;

    generating a secondary transaction account number based on authentication of said digital certificate, wherein said secondary transaction account number is valid for a single purchase transaction;

    associating said secondary transaction account number with said transaction account of said user; and

    ,communicating said secondary transaction account number over said authenticated communication channel to a merchant, wherein said merchant submits a payment request based on said secondary transaction account number.

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