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Dual transaction authorization system and method

  • US 8,296,228 B1
  • Filed: 11/16/2000
  • Issued: 10/23/2012
  • Est. Priority Date: 11/22/1999
  • Status: Active Grant
First Claim
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1. A method for verifying that an authorized entity is using a credit card through an Internet, comprising:

  • entering a password that is known only to an authorized entity that can use a corresponding credit card;

    monitoring a latest Internet address where the authorized entity is visiting through the Internet;

    receiving a request to authorize a transaction from an Online business with a corresponding Internet address, wherein the request is received by an authorization agent, wherein the authorization agent is a bank that issued the credit card to the authorized entity, a credit card company, or an agent of the bank or the credit card company, and wherein the request includes a credit card number; and

    comparing the latest Internet address with the corresponding Internet address from the Online business;

    if the Internet addresses match, then sending from the authorization agent to the Online business an approval response to the request;

    if the Internet addresses do not match, then sending from the authorization agent to the Online business a non-approval response to the request.

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