Method and apparatus for credit card purchase authorization utilizing a comparison of a purchase token with test information
Number of patents in Portfolio can not be more than 2000
United States of America Patent
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-
Feb 8, 2000
Grant Date -
N/A
app pub date -
Oct 21, 1997
filing date -
Oct 21, 1997
priority date (Note) -
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status (Latency Note)
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Abstract
A method and apparatus for credit card purchase authorization includes using a credit card validation unit to transmit to a credit card company computer a purchase amount, a credit card number and a purchase token comprising both the purchase amount and credit card number which are encrypted using the user's personal identification code as a key. The transmission can be made by a wireless communications device, such as a cellular telephone or PCS communications device. The credit card company computer creates a test token by encrypting the received credit card number and purchase amount using a stored user's personal identification code number as a key. The test token is then compared to the purchase token. If the test token corresponds to the purchase token, the purchase is considered to be authorized.
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