Online card present transaction
First Claim
Patent Images
1. A system comprising:
- a merchant computer processor for receiving online card present transactions,a tangible, non-transitory memory configured to communicate with the 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;
detecting, by said merchant computer processor, a presence of a smart card reader communicating with a client computer;
presenting, by said merchant computer processor, 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, by said merchant computer processor, a selection of said payment option;
redirecting, by said merchant computer processor, said client computer to a website of a host computer in response to said selection;
receiving, by said merchant computer processor, account information from said host computer over an authenticated communication channel; and
facilitating, by said merchant computer processor, a transaction using said account information.
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Accused Products
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.
259 Citations
20 Claims
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1. A system comprising:
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a merchant computer processor for receiving online card present transactions, a tangible, non-transitory memory configured to communicate with the 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; detecting, by said merchant computer processor, a presence of a smart card reader communicating with a client computer; presenting, by said merchant computer processor, 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, by said merchant computer processor, a selection of said payment option; redirecting, by said merchant computer processor, said client computer to a website of a host computer in response to said selection; receiving, by said merchant computer processor, account information from said host computer over an authenticated communication channel; and facilitating, by said merchant computer processor, a transaction using said account information. - View Dependent Claims (2, 3, 4, 5)
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6. A computer-based method comprising:
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detecting, by a merchant computer for conducting a transaction, a presence of a smart card reader communicating with a client computer; presenting, by said merchant computer, 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, by said merchant computer, a selection of said payment option; redirecting, by said merchant computer, said client computer to a website of a host computer in response to said selection; receiving, by said merchant computer, account information from said host computer over an authenticated communication channel; and facilitating, by said merchant computer, a transaction using said account information. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a merchant computer for conducting a transaction, cause said merchant computer to perform operations comprising:
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detecting, by said merchant computer, a presence of a smart card reader communicating with a client computer; presenting, by said merchant computer, 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, by said merchant computer, a selection of said payment option; redirecting, by said merchant computer, said client computer to a website of a host computer in response to said selection; receiving, by said merchant computer, account information from said host computer over an authenticated communication channel; and facilitating, by said merchant computer, a transaction using said account information.
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Specification