Client facilitation of online card present transaction
First Claim
Patent Images
1. An online card-present transaction method, comprising:
- transmitting, by a client computer-based system for facilitating said on-line card-present transaction, and to a merchant computer, a request to facilitate a transaction with a merchant;
receiving, by said client computer-based system, 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 connected to said client computer-based system,and wherein said receiving is in response to said merchant computer presenting said client computer-based system with a payment option for using a smart card for payment;
transmitting, by said client computer-based system, a selection of said payment option;
receiving, by said client computer-based system, a prompt from said merchant computer to insert said smart card into a smart card reader; and
transmitting, by said client computer-based system, a digital certificate from said smart card to a host computer via said merchant computer,wherein said host computer retrieves a primary transaction account code associated with said digital certificate,wherein said host computer generates a secondary transaction account code, andwherein said host computer transmits said secondary transaction account code to said merchant computer.
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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.
46 Citations
15 Claims
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1. An online card-present transaction method, comprising:
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transmitting, by a client computer-based system for facilitating said on-line card-present transaction, and to a merchant computer, a request to facilitate a transaction with a merchant; receiving, by said client computer-based system, 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 connected to said client computer-based system, and wherein said receiving is in response to said merchant computer presenting said client computer-based system with a payment option for using a smart card for payment; transmitting, by said client computer-based system, a selection of said payment option; receiving, by said client computer-based system, a prompt from said merchant computer to insert said smart card into a smart card reader; and transmitting, by said client computer-based system, a digital certificate from said smart card to a host computer via said merchant computer, wherein said host computer retrieves a primary transaction account code associated with said digital certificate, 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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Specification