Online card present transaction

• US 8,538,891 B2
• Filed: 09/24/2007
• Issued: 09/17/2013
• Est. Priority Date: 03/15/2001
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Hussain, Sohail M, Hobson, Carol Lee
• Primary Examiner(s): KUCAB, JAMIE R
• Application Number:
  US11/860,398
• Publication Number:
  US 20080052183A1
• Time in Patent Office: 2,185 Days
• Field of Search: 705/67
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• 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 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

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.

Claims

1. A computer-based system comprising a client computer-based system and a merchant computer, wherein said client computer-based system comprises:

a client computer processor for facilitating transactions,

a tangible, non-transitory memory communicating with said processor,

said tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor to perform operations comprising;

transmitting, by said client computer-based system and to said merchant computer, a request to facilitate a transaction with said merchant computer;

sending, by said client computer-based system and to said merchant computer, an indication of a presence of a smart card reader in communication with said client computer-based system;

receiving, by said client computer-based system and from said merchant computer, a payment option for using a smart card for payment,

wherein said receiving is in response to said merchant computer detecting a presence of a smart card reader in communication with said client computer-based system, and

transmitting, by said client computer-based system, a selection of said payment option to facilitate completion of a transaction.

2. The system of claim 1, further comprising receiving, by said client computer-based system, a prompt from said merchant computer to insert said smart card into a smart card reader.

3. The system of claim 1, further comprising transmitting, by said client computer-based system, a digital certificate from said smart card to a host computer via said merchant computer.

4. The system of claim 3, wherein said host computer retrieves a primary transaction account code associated with said digital certificate.

5. The system of claim 4, wherein said host computer generates a secondary transaction account code, and wherein said host computer transmits said secondary transaction account code to said merchant computer.

6. The system of claim 3, wherein said host computer receives a secondary transaction account code from said merchant computer as part of a settlement process.

7. The system of claim 3, wherein said host computer applies a charge associated with a settlement process to a transaction account.

8. The system of claim 3, wherein said host computer receives a Personal Identification Number (PIN).

9. The system of claim 8, wherein said PIN triggers signing of a challenge string to create a signed challenge string.

10. The system of claim 8, wherein said PIN accesses said digital certificate.

11. The system of claim 3, wherein said host computer receives a Personal Identification Number (PIN) which triggers signing of a challenge string to create a signed challenge string and which accesses said digital certificate.

12. The system of claim 3, wherein said host computer authenticates said smart card.

13. A method, comprising:

transmitting, by a client computer-based system for conducting a transaction and to a merchant computer, a request to facilitate a transaction with said merchant computer;

sending, by said client computer-based system and to said merchant computer, an indication of a presence of a smart card reader in communication with said client computer-based system;

receiving, by said client computer-based system and from said merchant computer, a payment option for using a smart card for payment,

wherein said receiving is in response to said merchant computer detecting a presence of a smart card reader in communication with said client computer-based system, and

transmitting, by said client computer-based system, a selection of said payment option to facilitate completion of a transaction.

14. The method of claim 13, further comprising receiving, by said client computer-based system, a prompt from said merchant computer to insert said smart card into a smart card reader.

15. The method of claim 13, further comprising transmitting, by said client computer-based system, a digital certificate from said smart card to a host computer via said merchant computer.

16. The method of claim 15, wherein said host computer retrieves a primary transaction account code associated with said digital certificate.

17. The method of claim 16, wherein said host computer generates a secondary transaction account code, and wherein said host computer transmits said secondary transaction account code to said merchant computer.

18. The method of claim 13, wherein said host computer receives a secondary transaction account code from said merchant computer as part of a settlement process.

19. The method of claim 13, wherein said host computer applies a charge associated with a settlement process to a transaction account.

20. An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a client computer-based system for facilitating transactions, cause said client computer-based system to perform operations comprising:

transmitting, by said client computer-based system and to a merchant computer, a request to facilitate a transaction with said merchant computer;

sending, by said client computer-based system and to said merchant computer, an indication of a presence of a smart card reader in communication with said client computer-based system;

receiving, by said client computer-based system and from said merchant computer, a payment option for using a smart card for payment,

wherein said receiving is in response to said merchant computer detecting a presence of a smart card reader in communication with said client computer-basest system, and

transmitting, by said client computer-based system, a selection of said payment option to facilitate completion of a transaction.