Secure online commerce transactions
First Claim
1. A method of enabling electronic commerce transactions by a system which provides a disposable credit card to a user, comprising the steps of:
- receiving registration information from a user and authorising the user based on that information;
establishing an account for the user, and issuing the user with a disposable credit card number which has the same format as a credit card which is accepted by a merchant that the user will pay;
disabling the user'"'"'s account after the disposable credit card number has been issued; and
re-enabling the account only after a reply to a transaction confirmation has been received.
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Accused Products
Abstract
A method of enabling electronic commerce transactions is provided by a service, the service giving to users a disposable credit card or other indicia of credit for a particular transaction or amount. The service receives registration information from the user and authorizes the user. The service establishes an account for the user and issues a disposable (one use) credit card number to the user which has the same format as a permanent credit card number, is acceptable to the user and the institution with whom the user is transacting business. The system incorporates various security features.
365 Citations
23 Claims
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1. A method of enabling electronic commerce transactions by a system which provides a disposable credit card to a user, comprising the steps of:
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receiving registration information from a user and authorising the user based on that information;
establishing an account for the user, and issuing the user with a disposable credit card number which has the same format as a credit card which is accepted by a merchant that the user will pay;
disabling the user'"'"'s account after the disposable credit card number has been issued; and
re-enabling the account only after a reply to a transaction confirmation has been received. - View Dependent Claims (2, 3, 4, 6, 19, 20, 21)
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5. (canceled)
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7. A method of making electronic commerce payments, comprising the steps of:
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registering as a user with a service which provides disposable credit card numbers;
providing funds, or authority to seek funds, to the service;
obtaining from the service a disposable credit card number; and
providing that disposable credit card number to a merchant as a payment. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A method for crediting merchants comprising the steps of:
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authorising an Internet based server to issue a disposable credit card number to a user;
receiving in respect of that disposable credit card number a request for funds authority from the server by a closed network;
crediting a merchant or his merchant bank owing to a transaction by the user using the disposable credit card. - View Dependent Claims (14, 15, 16, 17, 18)
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22. A computer readable medium for operation with a computer processor and a data transmitter to perform a method of enabling electronic commerce transactions by a service, the service providing a disposable credit card to a user, the computer readable medium comprising computer code for executing the method comprising the steps of:
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transmitting identification information from a user; and
receiving from the service a disposable credit card number that is transaction specific and having the same format as a credit card number acceptable to a merchant linked to said service.
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23. A method of transacting electronic commerce comprising the steps of:
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establishing a secure Internet connection between a special purpose client and a central server, using the special purpose client to register a user and to obtain credit card details from the user, the user'"'"'s credit card having an issuer remote from the central server;
forwarding a request over the Internet from the user to the central server for a disposable credit card, establishing a secure connection between the central server and a central bank by a closed network;
obtaining funds authority from the central bank by the closed network, and supplying the user with a disposable credit card over the Internet after funds authority has been received.
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Specification