Merchant facilitation of online card present transaction
First Claim
Patent Images
1. An online card present transaction method comprising:
- detecting a presence of a smart card reader connected to a client computer by a merchant computer;
presenting said client computer with a payment option for using a smart card for payment in response to said detection of said smart card reader;
receiving a selection of said payment option;
redirecting said client computer to a website of a host computer in response to said detection, wherein said host computer;
prompts to insert a smart card into said smart card reader;
receives a digital certificate from said smart card;
generates a secondary transaction account code based on authentication of said digital certificate, wherein said secondary transaction account code is valid for a single purchase transaction;
associates said secondary transaction account code with a primary transaction account code; and
,communicates said secondary transaction account code to said client computer, wherein a payment request is submitted based on said secondary transaction account code; and
receiving account information including said secondary transaction account code from said host computer over an authenticated communication channel, wherein said account information and said secondary transaction account code facilitates completion of a transaction.
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Abstract
An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via an authentication device. The host system, after authenticating a user is configured to retrieve the user'"'"'s account information from a user database system and translate a user account number into a temporary transaction number. The temporary transaction number is then transmitted directly from the host system to the merchant, thereby eliminating the need for the user to send to the merchant over the internet, the user'"'"'s transaction account number.
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Citations
19 Claims
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1. An online card present transaction method comprising:
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detecting a presence of a smart card reader connected to a client computer by a merchant computer; presenting said client computer with a payment option for using a smart card for payment in response to said detection of said smart card reader; receiving a selection of said payment option; redirecting said client computer to a website of a host computer in response to said detection, wherein said host computer; prompts to insert a smart card into said smart card reader; receives a digital certificate from said smart card; generates a secondary transaction account code based on authentication of said digital certificate, wherein said secondary transaction account code is valid for a single purchase transaction; associates said secondary transaction account code with a primary transaction account code; and
,communicates said secondary transaction account code to said client computer, wherein a payment request is submitted based on said secondary transaction account code; and receiving account information including said secondary transaction account code from said host computer over an authenticated communication channel, wherein said account information and said secondary transaction account code facilitates completion of a transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. An article of manufacture including:
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a first non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising; detecting a presence of a smart card reader connected to a client computer by a merchant computer; presenting said client computer with a payment option for using a smart card for payment in response to said detection of said smart card reader; receiving a selection of said payment option; redirecting said client computer to a website of a host computer in response to said detection; and receiving account information including said secondary transaction account code from said host computer over an authenticated communication channel, wherein said account information and said secondary transaction account code facilitates completion of a transaction; a second non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising; prompting to insert a smart card into said smart card reader; receiving a digital certificate from said smart card; generating a secondary transaction account code based on authentication of said digital certificate, wherein said secondary transaction account code is valid for a single purchase transaction; associating said secondary transaction account code with a primary transaction account code; and
,communicating said secondary transaction account code to said client computer, wherein a payment request is submitted based on said secondary transaction account code.
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Specification