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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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, NJ1288
CITICORPNEW YORK, NY9

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Low, Steven H Bridgewater, NJ 9 449
Maxemchuk, Nicholas F Mountainside, NJ 19 1516
Paul, Sanjoy Marlboro, NJ 102 1980

Cited Art Landscape

Patent Info (Count) # Cites Year
 
VAN DETSAN NETWORKS LIMITED LIABILITY COMPANY (2)
4,949,380 Returned-value blind signature systems 95 1988
4,996,711 Selected-exponent signature systems 116 1989
 
NIPPON TELEGRAPH AND TELEPHONE CORPORATION (1)
5,224,162 Electronic cash system 123 1992

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
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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 5 2008
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7,962,406 Systems and methods for facilitating transactions 7 2008
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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 1 2008
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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 4 2009
7,877,325 Systems and methods for settling an allocation of an amount between transaction accounts 3 2009
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8,762,279 Online challenge-response 0 2013
 
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8,744,958 Systems and methods for secure and transparent cardless transactions 0 2013
 
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7,844,550 Method and device for generating a single-use financial account number 7 2006
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6,857,073 System and method for authentication of network users 62 2002
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INTERNATIONAL BUSINESS MACHINES CORPORATION (6)
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CITIBANK, N.A. (5)
7,254,557 Financial services payment vehicle and method 37 1999
7,739,168 Transfer instrument 4 2006
8,060,426 Transfer instrument 1 2010
8,392,306 Transfer instrument 0 2011
8,489,483 Transfer instrument 1 2013
 
EBAY INC. (4)
7,499,875 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 33 2000
8,706,618 Release of funds based on criteria 0 2005
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H&R Block Tax Services LLC (4)
7,668,764 Spending vehicles for payments 1 2006
7,765,132 Tax refund system 3 2007
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8,671,038 Spending vehicles for payments 0 2012
 
AT&T INTELLECTUAL PROPERTY II, L.P. (3)
7,827,292 Flexible automated connection to virtual private networks 4 2001
8,239,531 Method and apparatus for connection to virtual private networks for secure transactions 1 2002
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CBS INTERACTIVE INC. (3)
6,535,880 Automated on-line commerce method and apparatus utilizing a shopping server verifying product information on product selection 78 2000
6,725,222 Automated on-line commerce method and apparatus utilizing shopping servers which update product information on product selection 34 2003
7,082,426 Content aggregation method and apparatus for an on-line product catalog 82 2003
 
CITICORP DEVELOPMENT CENTER, INC. (3)
5,963,647 Method and system for transferring funds from an account to an individual 235 1997
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FRAUD CONTROL SYSTEMS.COM CORPORATION (3)
8,630,942 Method of billing a purchase made over a computer network 0 2008
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PRIVACASH, INC. (3)
7,328,181 Method and system for transacting an anonymous purchase over the internet 11 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 2 2010
 
AFFINION NET PATENTS, INC. (2)
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AT&T INTELLECTUAL PROPERTY I, L.P. (2)
7,917,436 Internet billing method 0 2007
8,086,532 Internet billing method 0 2011
 
CHECKFREE CORPORATION (2)
7,657,484 Electronic bill presentment via a wide area communications network 6 2003
7,778,901 Integrated electronic presentment and payment of bills by different entities 7 2005
 
iPrivacy, LLC (2)
7,277,961 Method and system for obscuring user access patterns using a buffer memory 3 2000
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JPMORGAN CHASE BANK, N.A. (2)
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PAYPAL, INC. (2)
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PURPLE LEAF, LLC (2)
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SONY ELECTRONICS INC. (2)
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ALCATEL-LUCENT USA INC. (1)
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6,714,933 Content aggregation method and apparatus for on-line purchasing system 28 2002
 
AT&T CORP. (1)
6,005,935 Method and system of using personal information as a key when distributing information 22 1996
 
AT&T PROPERTIES, LLC, A NEVADA FORMATION (1)
7,827,278 System for automated connection to virtual private networks related applications 5 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 71 2002
 
CITICORP (1)
6,052,675 Method and apparatus for preauthorizing credit card type transactions 186 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 5 2001
 
FIRST VIRTUAL HOLDINGS (1)
5,757,917 Computerized payment system for purchasing goods and services on the internet 770 1995
 
FUJITSU LIMITED (1)
6,411,942 Electronic transaction system and systems for issuing and examining electronic check 70 1996
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
5,991,882 Automated password reset 52 1997
 
INTERNET PROMISE GROUP, LLC (1)
8,195,568 Method and apparatus for a payment card system 4 2001
 
KONINKLIJKE KPN N.V. (1)
5,924,084 Method for tracing payment data in an anonymous payment system 22 1996
 
MICROSOFT CORPORATION (1)
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OMX TECHNOLOGY AB (1)
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PAYPAL INTERNATIONAL LIMITED (1)
5,870,473 Electronic transfer system and method 172 1995
 
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SEITRAN INCORPORATED, INC. (1)
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THOMSON LICENSING (1)
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VAN DETSAN NETWORKS LIMITED LIABILITY COMPANY (1)
5,956,400 Partitioned information storage systems with controlled retrieval 106 1996
 
Other [Check patent profile for assignment information] (5)
5,671,285 Secure communication system 125 1995
6,148,342 Secure database management system for confidential records using separately encrypted identifier and access request 121 1999
7,814,009 Anonymous on-line cash management system 5 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 3 2010

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