Client system facilitating an online card present transaction
AssigneeAmerican Express Travel Related Services Company, Inc.
InventorsCarol Lee Hobson, Sohail M. Hussain
Life of this patent
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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.
Claims15
A client computer for participating online card present transactions, said client computer configured to:
- transmit to a merchant computer a request to facilitate a transaction with a merchant;
- receive a payment option for using a smart card for payment in response to said merchant computer detecting a presence of a smart card reader connected to a client;
- transmit a selection of said payment option;
- receive a prompt from said merchant computer to insert said smart card into a smart card reader;
- and,
- transmit a digital certificate from said smart card to a host computer, wherein said host computer retrieves a primary transaction account code associated with said digital certificate and generates a secondary transaction account code that is transmitted to said merchant computer.
Dependencies are inferred from the claim text.