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US 2004/0070566 A1Published application
Card present network transactions
OwnerJason A. Ashtoninventor
Life of this patent
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Abstract
The invention includes systems and methods for executing card present network transactions. Security is achieved using a peripheral device including an electronically stored serial number, a logic circuit, a motion sensor, and a sensor configured to read a portable data repository such as a credit card. The peripheral is configured to perform functions of a pointing device, such as a mouse or trackball. Several methods are disclose in which aspects of the invention are used to perform card present purchases of products or services over a computer network, such as the Internet. In another aspect of the invention the peripheral device and the portable data repository are used to control output of a device identification.
Claims48
A consumer terminal comprising:
- a reader including
- a user interface configured for manual entry of non-encrypted transaction data,
- a logic circuit configured to generate encrypted transaction data using the non-encrypted transaction data, and
- a peripheral interface configured to transfer the encrypted transaction data from the reader;
- and
- a network client configured to receive the encrypted transaction data transferred from the reader, the client including
- a communication interface configured to transmit the encrypted transaction data through a network;
- and
- a processor configured to control the communication interface and to manage data received from the reader, the data received from the reader including the encrypted transaction data.
6 more elements
A method of performing a transaction, the method comprising:
- receiving a request for the transaction at a network client;
- reading transaction data from a portable data repository using a reader, the reader including
- a multi-bit data sensor configured to read the transaction data from a portable data repository, and
- a logic circuit configured to modify the transaction data;
- modifying all or part of the transaction data;
- transmitting the modified transaction data from the network client to a merchant system;
- transmitting the modified transaction data from the merchant system to a banking system;
- verifying the transaction data using the banking system and consumer data stored therein;
- and
- transmitting the verification from the banking system to the merchant system.
7 more elements
A method of performing a transaction, the method comprising:
- receiving transaction data from a user;
- transmitting the transaction data from the consumer terminal to a banking system, the banking system including a transaction system;
- verifying the transaction data using the transaction system and consumer data stored therein;
- generating a transaction code responsive to a result of the verification;
- storing a copy of the transaction code in the transaction system;
- transmitting the transaction code from the banking system to the consumer terminal;
- transmitting the transaction code from the consumer terminal to a merchant system;
- transmitting the transaction code from the merchant system to the banking system;
- verifying the transaction using the transaction system, the transaction code received from the merchant system and the stored copy of the transaction code;
- and
- transmitting the verification from the banking system to the merchant system.
8 more elements
A method of controlling access to a device identity, the method comprising:
- receiving a request for a device identity;
- deciding to accept the request;
- reading a portable data repository using a reader, the reader including
- a) a multi-bit data sensor configured to read data from the portable data repository,
- b) reader data stored in memory, and
- c) a logic circuit configured to authorize output of a device identity, the authorization being responsive to a comparison of the reader data and the data read from the portable data repository;
- authorizing output of the device identity using the logic circuit;
- and
- outputting the device identity responsive to the authorization.
6 more elements
A transaction system comprising:
- a communication interface configured to receive encrypted transaction data through a network, the transaction data encrypted using a reader including
- a multi-bit data sensor configured to read non-encrypted transaction data from a portable data repository, and
- a logic circuit configured to generated the encrypted transaction data from the non-encrypted transaction data;
- memory configured to store a decryption key configured for decrypting the encrypted transaction data;
- and
- a server configured to decrypt the encrypted transaction data using the encryption key.
3 more elements
A manual data input device comprising:
- a keypad configured for manual entry of non-encrypted data;
- a serial number stored in memory and configured to identity the data input device;
- a logic circuit configured to generate encrypted data using the non-encrypted data;
- and
- a peripheral interface configured for communicating the encrypted data or the serial number, to a computing device.
2 more elements
A method of performing a transaction, the method comprising:
- receiving a request for the transaction at a consumer terminal, the transaction including a transaction value;
- reading transaction data from a portable data repository using a reader, the reader including a multi-bit data sensor configured to read the transaction data from a portable data repository;
- transmitting the transaction data from the consumer terminal to a banking system, the banking system including a transaction system;
- verifying the transaction data using the transaction system and consumer data stored therein;
- generating a transaction code responsive to a result of the verification;
- storing a copy of the transaction code in the transaction system;
- transmitting the transaction code from the banking system to the consumer terminal;
- transmitting the transaction code from the consumer terminal to a merchant system;
- transmitting the transaction code from the merchant system to the banking system;
- verifying the transaction using the transaction system, the transaction code received from the merchant system and the stored copy of the transaction code;
- and
- transmitting the verification from the banking system to the merchant system.
9 more elements
A method of purchasing a product or service over a computer network, the method comprising:
- selecting a product or service offered by a merchant;
- reading data from a portable data repository using a reader;
- automatically populating a data field with data, responsive to the read data;
- and
- communicating the data populated, over the computer network to execute a secure transaction.
2 more elements
A method of performing a transaction, the method comprising:
- receiving a request for the transaction at a network client;
- receiving transaction data using a reader, the reader including
- a user interface configured to receive transaction data from a user, and
- a peripheral interface configured to transfer the transaction data from the reader;
- modifying all or part of the transaction data;
- transmitting the modified transaction data from the network client to a merchant system, the merchant system not having access to all or part of the unmodified transaction data;
- transmitting the modified transaction data from the merchant system to a banking system;
4 more elements
Dependencies are inferred from the claim text.