US Patent No: 5,420,926

Number of patents in Portfolio can not be more than 2000

Anonymous credit card transactions

1 Status Updates

Stats

ATTORNEY / AGENT: (SPONSORED)
 

Importance

Loading Importance Indicators... loading....

Abstract

Techniques for performing credit-card transactions without disclosing the subject matter of the transaction to the institution providing the credit card. The techniques include the use of a communications exchange so that information and funds may be transferred without the destination for the transfer knowing the source of the information or funds and the use of public key encryption so that each party to the transaction and the communications exchange can read only the information the party or the exchange needs for its role in the transaction. Also disclosed are techniques for authenticating a card holder by receiving personal information from the card holder, using the information to ask the card holder one or more questions, and using the answers to authenticate the card holder.

Loading the Abstract Image... loading....

First Claim

Related Publications

Loading Related Publications... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
AT&T IPM CORP.MURRAY HILL, NJ1356
CITICORPNEW YORK, NY9

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Low, Steven H Bridgewater, NJ 9 404
Maxemchuk, Nicholas F Mountainside, NJ 19 1426
Paul, Sanjoy Marlboro, NJ 79 1672

Cited Art

Patent Info (Count) # Cites Year
 
VAN DETSAN NETWORKS LIMITED LIABILITY COMPANY (2)
4,949,380 Returned-value blind signature systems 80 1988
4,996,711 Selected-exponent signature systems 103 1989
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
5,224,162 Electronic cash system 112 1992

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
LEAD CORE FUND, L.L.C. (27)
7,426,492 Systems and methods for facilitating commercial transactions between parties residing at remote locations 56 2000
7,475,808 Systems and methods for locating a payment system utilizing a wireless point of sale device 8 2005
7,769,687 Systems and methods for facilitating commercial transactions between parties residing at remote locations 1 2007
7,756,785 Systems and methods for facilitating commercial transactions between parties residing at remote locations 3 2007
7,716,127 Systems and methods for facilitating commercial transactions between parties residing at remote locations 0 2007
7,707,107 Systems and methods for facilitating commercial transactions between parties residing at remote locations 0 2007
8,234,212 Systems and methods for facilitating transactions with interest 1 2008
7,996,307 Systems and methods for facilitating transactions between different financial accounts 1 2008
7,979,349 Systems and methods for adjusting crediting limits to facilitate transactions 2 2008
7,962,406 Systems and methods for facilitating transactions 2 2008
7,925,585 Systems and methods for facilitating transactions with different account issuers 0 2008
7,908,214 Systems and methods for adjusting loan amounts to facilitate transactions 1 2008
7,904,385 Systems and methods for facilitating budgeting transactions 0 2008
8,458,086 Allocating partial payment of a transaction amount using an allocation rule 0 2008
7,962,407 Systems and methods for allocating an amount between transaction accounts 0 2008
7,962,408 Systems and methods for establishing an allocation of an amount between transaction accounts 0 2008
7,941,367 Systems and methods for allocating an amount between sub-accounts 1 2008
7,941,372 Systems and methods for receiving an allocation of an amount between transaction accounts 0 2008
8,275,704 Systems and methods for authorizing an allocation of an amount between transaction accounts 1 2009
8,103,584 Systems and methods for authorizing an allocation of an amount between transaction accounts 2 2009
8,103,585 Systems and methods for suggesting an allocation 2 2009
7,899,744 Systems and methods for approval of an allocation 2 2009
7,877,325 Systems and methods for settling an allocation of an amount between transaction accounts 2 2009
8,195,565 Systems and methods for point of interaction based policy routing of transactions 1 2009
8,190,514 Systems and methods for transaction processing based upon an overdraft scenario 2 2009
8,180,706 Systems and methods for maximizing a rewards accumulation strategy during transaction processing 2 2009
8,073,772 Systems and methods for processing transactions using multiple budgets 5 2009
 
WALKER DIGITAL, LLC (9)
6,014,439 Method and apparatus for entertaining callers in a queue 100 1997
6,178,240 Method and apparatus for entertaining callers in a queue 43 1999
7,177,835 Method and device for generating a single-use financial account number 2 2000
6,301,354 Method and apparatus for entertaining callers in a queue 32 2000
7,853,529 Method and device for generating a single-use financial account number 1 2000
7,231,035 Method and apparatus for entertaining callers in a queue 5 2001
7,844,550 Method and device for generating a single-use financial account number 5 2006
8,315,948 Method and device for generating a single-use financial account number 0 2006
7,760,867 Method and apparatus for entertaining callers in a queue 0 2007
 
VISA INTERNATIONAL SERVICE ASSOCIATION (8)
6,247,129 Secure electronic commerce employing integrated circuit cards 48 1998
6,560,581 System and method for secure electronic commerce transaction 217 1998
7,827,115 Online payer authentication service 12 2001
8,271,395 Online account authentication service 2002
7,707,120 Mobile account authentication service 6 2003
8,019,691 Profile and identity authentication service 3 2003
8,396,455 Systems and methods for sorting alert and offer messages on a mobile device 0 2009
7,991,701 Online payer authentication service 2 2010
 
EQUIFAX, INC. (7)
6,321,339 System and method for authentication of network users and issuing a digital certificate 136 1999
6,282,658 System and method for authentication of network users with preprocessing 97 1999
6,263,447 System and method for authentication of network users 148 1999
6,496,936 System and method for authentication of network users 117 2000
7,234,156 System and method for authentication of network users 41 2001
6,857,073 System and method for authentication of network users 40 2002
8,239,677 Verification and authentication systems and methods 0 2006
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (6)
5,764,772 Differential work factor cryptography method and system 58 1995
6,209,100 Moderated forums with anonymous but traceable contributions 59 1998
6,807,530 Method and apparatus for remote commerce with customer anonymity 21 1998
6,873,977 Achieving buyer-seller anonymity for unsophisticated users under collusion amongst intermediaries 3 2000
7,225,169 Method and system for commerce with full anonymity 5 2000
7,502,762 Method and system for commerce with full anonymity 0 2006
 
VISA U.S.A. INC. (6)
7,818,264 Track data encryption 1 2007
8,135,647 Consumer authentication system and method 2 2007
7,819,322 Portable consumer device verification system 3 2007
8,380,629 Seeding challenges for payment transactions 0 2008
8,121,942 Systems and methods for secure and transparent cardless transactions 0 2008
8,121,956 Cardless challenge systems and methods 0 2008
 
CITIBANK, N.A. (4)
7,254,557 Financial services payment vehicle and method 33 1999
7,739,168 Transfer instrument 2 2006
8,060,426 Transfer instrument 0 2010
8,392,306 Transfer instrument 0 2011
 
CBS INTERACTIVE INC. (3)
6,535,880 Automated on-line commerce method and apparatus utilizing a shopping server verifying product information on product selection 61 2000
6,725,222 Automated on-line commerce method and apparatus utilizing shopping servers which update product information on product selection 26 2003
7,082,426 Content aggregation method and apparatus for an on-line product catalog 67 2003
 
EBAY INC. (3)
7,499,875 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 17 2000
7,899,712 Method and apparatus for facilitating online payment transactions in a network-based transaction facility 3 2006
8,255,325 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 0 2009
 
H&R BLOCK TAX SERVICES LLC (3)
7,668,764 Spending vehicles for payments 0 2006
7,765,132 Tax refund system 0 2007
8,332,289 Spending vehicles for payments 0 2010
 
PRIVACASH, INC. (3)
7,328,181 Method and system for transacting an anonymous purchase over the internet 10 2005
8,019,690 Method and system for transacting an anonymous purchase over the internet 0 2006
8,219,474 Method and system for distributing and activating a non-personalized purchase card 0 2010
 
AFFINION NET PATENTS, INC. (2)
8,060,404 Internet-based frequency and award redemption system and method 0 2007
7,856,376 Internet-based frequency and award redemption system and method 8 2007
 
AT&T INTELLECTUAL PROPERTY I, L.P. (2)
7,917,436 Internet billing method 0 2007
8,086,532 Internet billing method 0 2011
 
AT&T INTELLECTUAL PROPERTY II, L.P. (2)
7,827,292 Flexible automated connection to virtual private networks 2 2001
8,239,531 Method and apparatus for connection to virtual private networks for secure transactions 1 2002
 
CHECKFREE CORPORATION (2)
7,657,484 Electronic bill presentment via a wide area communications network 4 2003
7,778,901 Integrated electronic presentment and payment of bills by different entities 5 2005
 
CITICORP DEVELOPMENT CENTER, INC. (2)
5,963,647 Method and system for transferring funds from an account to an individual 185 1997
7,200,578 Method and system for anonymizing purchase data 21 1998
 
FRAUD CONTROL SYSTEMS.COM CORPORATION (2)
8,229,844 Method of billing a purchase made over a computer network 0 2008
8,190,513 Method of billing a purchase made over a computer network 0 2008
 
iPrivacy, LLC (2)
7,277,961 Method and system for obscuring user access patterns using a buffer memory 0 2000
7,996,288 Method and system for processing recurrent consumer transactions 2 2000
 
JPMORGAN CHASE BANK, N.A. (2)
7,103,576 System for providing cardless payment 9 2001
7,099,850 Methods for providing cardless payment 12 2001
 
PAYPAL, INC. (2)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 655 1994
6,246,996 Computerized system for facilitating transactions between parties on the internet using e-mail 165 1998
 
SONY ELECTRONICS INC. (2)
7,478,068 System and method of selecting consumer profile and account information via biometric identifiers 0 2002
7,729,925 System and method for facilitating real time transactions between a user and multiple entities 27 2005
 
VERISIGN, INC. (2)
7,778,934 Authenticated payment 0 2001
7,983,993 Authenticated payment 2 2010
 
AMERICAN FREEWAY, INC. D/B/A SMARTSHOP.COM (1)
6,714,933 Content aggregation method and apparatus for on-line purchasing system 22 2002
 
AT&T CORP. (1)
6,005,935 Method and system of using personal information as a key when distributing information 20 1996
 
AT&T PROPERTIES, LLC, A NEVADA FORMATION (1)
7,827,278 System for automated connection to virtual private networks related applications 2 2001
 
CARNEGIE MELLON UNIVERSITY (1)
6,680,924 Method for estimating signal strengths 6 2000
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (1)
7,231,657 User authentication system and methods thereof 39 2002
 
CITICORP (1)
6,052,675 Method and apparatus for preauthorizing credit card type transactions 167 1998
 
E-Scoring, Inc. (1)
7,720,750 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants 3 2000
 
EINZEK SOFTWARE AG L.L.C. (1)
7,376,629 Method of and system for effecting anonymous credit card purchases over the internet 4 2001
 
FIRST VIRTUAL HOLDINGS (1)
5,757,917 Computerized payment system for purchasing goods and services on the internet 655 1995
 
FUJITSU LIMITED (1)
6,411,942 Electronic transaction system and systems for issuing and examining electronic check 62 1996
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
5,991,882 Automated password reset 40 1997
 
INTERNET PROMISE GROUP, LLC (1)
8,195,568 Method and apparatus for a payment card system 0 2001
 
KONINKLIJKE KPN N.V. (1)
5,924,084 Method for tracing payment data in an anonymous payment system 15 1996
 
LUCENT TECHNOLOGIES INC. (1)
7,013,295 Tagged private information retrieval 0 2000
 
MICROSOFT CORPORATION (1)
5,903,652 System and apparatus for monitoring secure information in a computer network 125 1996
 
OMX TECHNOLOGY AB (1)
7,801,797 Trading system supporting credit rating 0 2003
 
PAYPAL INTERNATIONAL LIMITED (1)
5,870,473 Electronic transfer system and method 141 1995
 
PHILIPS ELECTRONICS NORTH AMERICA CORPORATION (1)
6,023,510 Method of secure anonymous query by electronic messages transported via a public network and method of response 73 1997
 
SCITRAN INEORHERATED, INC. (1)
7,058,808 Method for making a blind RSA-signature and apparatus therefor 9 1999
 
SEITRAN INCORPORATED, INC. (1)
6,859,795 Method for carrying out transactions and device for realizing the same 1 1999
 
THOMSON LICENSING (1)
7,805,607 Method for the anonymous authentication of a data transmitter 0 2003
 
VAN DETSAN NETWORKS LIMITED LIABILITY COMPANY (1)
5,956,400 Partitioned information storage systems with controlled retrieval 101 1996
 
Other [Check patent profile for assignment information] (5)
5,671,285 Secure communication system 114 1995
6,148,342 Secure database management system for confidential records using separately encrypted identifier and access request 106 1999
7,814,009 Anonymous on-line cash management system 2 2000
7,739,191 Method and system for transacting a purchase using a credit card from the seller 0 2006
8,036,988 System and method for performing secure credit card transactions 1 2010