Microchip-enabled online transaction system
Number of patents in Portfolio can not be more than 2000
United States of America Patent
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N/A
Issued Date -
Sep 12, 2002
app pub date -
Sep 12, 2001
filing date -
Sep 12, 2000
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A microchip-enabled online transaction system and method that emulates a 'card-present' transaction in an online or remote environment by using an improved authentication and transaction system. More specifically, this system uses an authenticating instrument (e.g., smart card), an authenticating instrument reader (e.g., smart card reader), and a user-specific identification signature (e.g., user PIN) to better authenticate an online purchaser. Additionally, this system may also employ techniques (1) for transmitting to a merchant a secondary transaction number in place of the user's primary transaction account number, and (2) for automatically filling an online merchant's payment and shipping web pages with the appropriate profiled user information.
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