US Patent No: 5,420,926

Number of patents in Portfolio can not be more than 2000

Anonymous credit card transactions

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Importance

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Abstract

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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.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
AT&T IPM CORP.MURRAY HILL, NJ997
CITICORPNEW YORK, NY7

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Low, Steven H Bridgewater, NJ 9 481
Maxemchuk, Nicholas F Mountainside, NJ 19 1556
Paul, Sanjoy Marlboro, NJ 115 2171

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
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* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (6)
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8,103,584 Systems and methods for authorizing an allocation of an amount between transaction accounts 3 2009
8,103,585 Systems and methods for suggesting an allocation 2 2009
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SONY ELECTRONICS INC. (2)
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AT&T INTELLECTUAL PROPERTY I, L.P. (2)
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H&R Block Tax Services LLC (5)
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AMERICAN FREEWAY, INC. D/B/A SMARTSHOP.COM (1)
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iPrivacy, LLC (2)
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CITICORP DEVELOPMENT CENTER, INC. (2)
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INTERNATIONAL BUSINESS MACHINES CORPORATION (6)
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HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
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CHECKFREE CORPORATION (2)
7,657,484 Electronic bill presentment via a wide area communications network 6 2003
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SOUND VIEW INNOVATIONS, LLC (1)
* 7,013,295 Tagged private information retrieval 0 2000
 
FUJITSU LIMITED (1)
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PURPLE LEAF, LLC (2)
8,527,407 Process and device for conducting electronic transactions using wireless and cellular devices 0 2011
8,744,963 Method for transferring an amount to be paid 0 2012
 
AT&T INTELLECTUAL PROPERTY II, L.P. (3)
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8,239,531 Method and apparatus for connection to virtual private networks for secure transactions 2 2002
8,676,916 Method and apparatus for connection to virtual private networks for secure transactions 0 2012
 
AT&T KNOWLEDGE VENTURES, L.P. (1)
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EQUIFAX, INC. (8)
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6,282,658 System and method for authentication of network users with preprocessing 122 1999
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SEITRAN INCORPORATED, INC. (1)
6,859,795 Method for carrying out transactions and device for realizing the same 3 1999
 
VERISIGN, INC. (2)
7,778,934 Authenticated payment 4 2001
7,983,993 Authenticated payment 3 2010
 
EINZEK SOFTWARE AG L.L.C. (1)
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FRAUD CONTROL SYSTEMS.COM CORPORATION (3)
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8,229,844 Method of billing a purchase made over a computer network 3 2008
8,190,513 Method of billing a purchase made over a computer network 2 2008
 
VISA U.S.A. INC. (13)
7,818,264 Track data encryption 4 2007
8,135,647 Consumer authentication system and method 8 2007
7,819,322 Portable consumer device verification system 13 2007
8,380,629 Seeding challenges for payment transactions 1 2008
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8,121,956 Cardless challenge systems and methods 4 2008
8,843,417 Track data encryption 0 2008
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8,589,291 System and method utilizing device information 1 2012
8,606,700 Systems and methods for secure and transparent cardless transactions 1 2012
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8,744,958 Systems and methods for secure and transparent cardless transactions 0 2013
 
MASSACHUSETTS INSTITUTE OF TECHNOLOGY (1)
8,983,874 Method and system for micropayment transactions 0 2009
 
VAN DETSAN NETWORKS LIMITED LIABILITY COMPANY (1)
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PAYPAL INTERNATIONAL LIMITED (1)
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PAYPAL, INC. (2)
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6,246,996 Computerized system for facilitating transactions between parties on the internet using e-mail 227 1998
 
INVENTOR HOLDINGS, LLC (2)
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JPMORGAN CHASE BANK, N.A. (2)
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MICROSOFT TECHNOLOGY LICENSING, LLC (1)
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PRIVACASH, INC. (3)
7,328,181 Method and system for transacting an anonymous purchase over the internet 12 2005
8,019,690 Method and system for transacting an anonymous purchase over the internet 0 2006
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6,178,240 Method and apparatus for entertaining callers in a queue 52 1999
7,177,835 Method and device for generating a single-use financial account number 5 2000
6,301,354 Method and apparatus for entertaining callers in a queue 42 2000
7,853,529 Method and device for generating a single-use financial account number 6 2000
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VIRNETX INC. (6)
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8,850,009 System and method employing an agile network protocol for secure communications using secure domain names 0 2013
8,843,643 System and method employing an agile network protocol for secure communications using secure domain names 0 2013
 
THOMSON LICENSING (1)
* 7,805,607 Method for the anonymous authentication of a data transmitter 2 2003
 
CITICORP (1)
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TARGET BRANDS, INC. (1)
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KONINKLIJKE KPN N.V. (1)
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7,231,657 User authentication system and methods thereof 76 2002
 
EBAY INC. (4)
7,499,875 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 36 2000
8,706,618 Release of funds based on criteria 0 2005
7,899,712 Method and apparatus for facilitating online payment transactions in a network-based transaction facility 6 2006
8,255,325 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 2 2009
 
AT&T PROPERTIES, LLC, A NEVADA FORMATION (1)
7,827,278 System for automated connection to virtual private networks related applications 6 2001
 
CARNEGIE MELLON UNIVERSITY (1)
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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 92 1997
 
AT&T CORP. (1)
* 6,005,935 Method and system of using personal information as a key when distributing information 25 1996
* Cited By Examiner