Merchant facilitation of 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.
Claims20
An online card present transaction method comprising:
- detecting a presence of a smart card reader connected to a client computer by a merchant computer;
- presenting 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 a selection of said payment option;
- redirecting said client computer to a website of a host computer in response to said detection, wherein said host computer:
- prompts to insert a smart card into said smart card reader;
- receives a digital certificate from said smart card;
- generates a secondary transaction account code based on authentication of said digital certificate, wherein said secondary transaction account code is valid for a single purchase transaction;
- associates said secondary transaction account code with a primary transaction account code;
- and,
- communicates said secondary transaction account code to said client computer, wherein a payment request is submitted based on said secondary transaction account code;
- and,
- receiving account information including said secondary transaction account code from said host computer over said authenticated communication channel, wherein said account information and said secondary transaction account code facilitates completion of a transaction.
A tangible computer-readable medium having stored thereon a plurality of instructions which are executed on a computer, said plurality of instructions comprising:
- instructions to detect a presence of a smart card reader connected to a client computer by a merchant computer;
- instructions to present said client computer with a payment option for using a smart card for payment in response to said detection of said smart card reader;
- instructions to receive a selection of said payment option;
- instructions to redirect said client computer to a website of a host computer in response to said detection, wherein said host computer:
- prompts to insert a smart card into said smart card reader;
- receives a digital certificate from said smart card;
- generates a secondary transaction account code based on authentication of said digital certificate, wherein said secondary transaction account code is valid for a single purchase transaction;
- associates said secondary transaction account code with a primary transaction account code;
- and,
- communicates said secondary transaction account code to said client computer, wherein a payment request is submitted based on said secondary transaction account code;
- and,
- instructions to receive account information including said secondary transaction account code from said host computer over said authenticated communication channel, wherein said account information and said secondary transaction account code facilitates completion of a transaction.
Dependencies are inferred from the claim text.