US Patent No: 6,477,578

Number of patents in Portfolio can not be more than 2000

System and method for conducting secure internet transactions

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Importance

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Abstract

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A system and method for conducting secure electronic transactions via the Internet uses a second secure communication link for the transmission of sensitive information. Transactions are split so that non-sensitive information is transmitted to a merchant's computer via the Internet and sensitive information is transmitted to a third party processing center, as needed, on a second secure communication link that uses switched telephone circuits. The third party processing center provides authorization codes to the customer, via the secure link, that are used to complete purchase transactions with the merchant via the Internet link. Transactions are conducted so that the merchant never receives sensitive customer information.

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First Claim

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Patent Owner(s)

  • Assignment data not available. Check PTO

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Mhoon, Hankey 7533 Keystone Ave., Skokie, IL 60076 1 50

Cited Art Landscape

Patent Info (Count) # Cites Year
 
STRATEGIC PROCESSING CORPORATION (1)
* 4,799,156 Interactive market management system 1751 1986
 
Other [Check patent profile for assignment information] (4)
5,671,285 Secure communication system 129 1995
* 5,729,594 On-line secured financial transaction system through electronic media 323 1996
* 5,799,285 Secure system for electronic selling 362 1996
* 6,012,144 Transaction security method and apparatus 219 1997
 
C.H.I. DEVELOPMENT MGMT. LTD. III, LLC (1)
* 5,881,226 Computer security system 64 1996
 
HEWLETT-PACKARD COMPANY (1)
* 5,987,140 System, method and article of manufacture for secure network electronic payment and credit collection 313 1996
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
* 5,983,208 System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 288 1996
 
SWIPE INNOVATIONS, LLC (1)
5,351,296 Financial transmission system 92 1993
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
5,371,797 Secure electronic funds transfer from telephone or unsecured terminal 132 1993
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 844 1995
 
OPENTV, INC. (1)
* 5,689,799 Method and apparatus for routing confidential information 131 1995
 
SET SECURE ELECTRONIC TRANSACTION LLC, A CORP. OF DELAWARE (1)
* 5,790,677 System and method for secure electronic commerce transactions 688 1995
 
ALCATEL-LUCENT USA INC. (1)
* 6,014,636 Point of sale method and system 317 1997
 
TUGALOO LAVONIA GMBH, LLC (1)
* 5,475,585 Transactional processing system 208 1994
 
AMAZON TECHNOLOGIES, INC. (1)
* 6,175,823 Electronic gift certificate system 161 1998
 
AMAZON.COM, INC. (2)
* 5,727,163 Secure method for communicating credit card data when placing an order on a non-secure network 390 1995
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 597 1995
 
CARD VERIFICATION SOLUTIONS, LLC (1)
* 5,826,245 Providing verification information for a transaction 411 1995
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
* 5,699,528 System and method for bill delivery and payment over a communications network 1044 1995
 
SPINDLE MOBILE, INC. (1)
* 5,822,737 Financial transaction system 257 1996
 
PACID PROTECTED TRANSACTIONS, LLC (1)
* 5,845,070 Security system for internet provider transaction 189 1996
 
CITICORP DEVELOPMENT CENTER, INC. (1)
* 5,485,370 Home services delivery system with intelligent terminal emulator 244 1993
 
The United States of America as represented by the Secretary of the Navy (1)
5,511,122 Intermediate network authentication 300 1994
 
STURIALE, VICKI (1)
* 5,809,143 Secure keyboard 47 1997
 
FACEBOOK, INC. (1)
5,671,279 Electronic commerce using a secure courier system 620 1995
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (2)
* 5,945,653 System and method for establishing and executing functions to affect credit card accounts and transactions 324 1997
* 6,327,348 Method and system for controlling authorization of credit card transactions 52 1999
 
CARNEGIE MELLON UNIVERSITY (1)
* 5,809,144 Method and apparatus for purchasing and delivering digital goods over a network 548 1995
 
Charles E. Hill & Associates, Inc. (1)
* 5,528,490 Electronic catalog system and method 263 1992
 
AT&T CORP. (1)
* 6,058,250 Bifurcated transaction system in which nonsensitive information is exchanged using a public network connection and sensitive information is exchanged after automatically configuring a private network connection 118 1996
* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (2)
* 2005/0251,469 Network topology for processing consumer financial transactions 9 2005
7,748,614 Transaction system and method 35 2007
 
KAGI, INC. (4)
7,765,153 Method and apparatus for verifying financial account information 0 2003
7,588,181 Method and apparatus for verifying the legitamacy of a financial instrument 1 2005
8,131,617 Method and apparatus for verifying the legitimacy of a financial instrument 0 2009
8,805,738 Method and apparatus for verifying financial account information 0 2009
 
UCETRANS KG, LIMITED LIABILITY COMPANY (4)
* 6,980,970 Secure networked transaction system 52 2000
* 2002/0077,837 Secure networked transaction system 33 2000
7,853,523 Secure networked transaction system 2 2009
8,229,848 Secure networked transaction system 1 2010
 
LINKEDIN CORPORATION (1)
* 7,865,446 Method for secure electronic commercial transaction on-line processing 0 2002
 
THE WESTERN UNION COMPANY (3)
* 7,792,747 Internet-based money order system 0 2006
* 7,870,068 Internet-based money order system 0 2008
* 7,853,522 Internet-based money order system 0 2008
 
AUTHENTIFY PATENT CO LLC (1)
* 7,383,572 Use of public switched telephone network for authentication and authorization in on-line transactions 33 2002
 
NICHOLAS ANTHONY LINDSAY BROWN (1)
* 2004/0111,370 Single source money management system 95 2003
 
Strue, Inc. (1)
* 8,775,792 Method of and system for encryption and authentication 0 2006
 
PAYPAL, INC. (8)
* 2002/0016,765 System and method for third-party payment processing 43 2001
8,571,972 Computer-implemented method, system and apparatus for the dynamic verification of a consumer engaged in a transaction with a merchant and authorization of the transaction 0 2004
8,001,040 Computer-implemented method and system for dynamic consumer rating in a transaction 0 2005
7,527,195 Method and system for risk management in a transaction 15 2005
8,554,669 Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale 0 2007
8,433,648 Method and system for engaging in a transaction between a consumer and a merchant 0 2007
8,719,164 Method and system for engaging in a transaction between a business entity and a merchant 0 2008
8,095,445 Method and system for completing a transaction between a customer and a merchant 0 2010
 
VETT LIMITED (1)
* 7,447,662 Transaction processing system 31 2001
 
Yodlee, Inc. (1)
* 2002/0059,369 Method and apparatus for creating and distributing non-sensitized information summaries to users 37 2001
 
Inadam Corporation (4)
7,299,980 Computer readable universal authorization card system and method for using same 0 2002
* 6,749,114 Universal authorization card system and method for using same 43 2002
7,810,735 Computer readable universal authorization card system and method for using same 39 2007
8,403,228 Computer readable universal authorization card system and method for using same 0 2010
 
GOPIN INC. (1)
7,890,393 Method and system for completing a transaction between a customer and a merchant 14 2002
 
ADVANCED MESSAGING TECHNOLOGIES, INC. (1)
* 8,315,903 Method for cross-promoting communications services 0 2010
 
Ariba, Inc. (1)
* 8,799,463 Method and apparatus for processing information related to interactive web sites 0 2000
 
NEW ATTITUDE INC. (DBA DIGITAL WORLD ACCESS, INC.) (1)
* 2001/0056,399 Web dependent consumer financing and virtual reselling method 30 2001
 
VERIZON PATENT AND LICENSING INC. (6)
* 7,388,953 Method and system for providing intelligent network control services in IP telephony 1 2002
* 2002/0131,575 Method and system for providing intelligent network control services in IP telephony 3 2002
7,406,073 Method of and system for providing intelligent network control services in IP telephony 0 2003
8,085,760 Method of and system for providing intelligent network control services in IP telephony 0 2007
7,480,289 Method of and system for providing intelligent network control services in IP telephony 2 2007
7,411,944 Method of and system for providing intelligent network control services in IP telephony 0 2007
 
SAP SE (1)
* 8,112,747 Integrated software support for a distributed business application with seamless backend communications 11 2006
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
* 8,112,328 Secure and mediated access for E-services 0 2001
 
EXTREME NETWORKS, INC. (1)
6,766,482 Ethernet automatic protection switching 100 2001
 
14 LICENSING LLC (1)
8,756,099 Consumer processing system and method 0 2005
 
KILPAUK GARDEN, SERIES 64 OF ALLIED SECURITY TRUST I (3)
7,970,722 System, method and computer program product for a collaborative decision platform 2 2009
8,160,988 System, method and computer program product for a collaborative decision platform 0 2010
8,005,777 System, method and computer program product for a collaborative decision platform 15 2010
 
GRAPE TECHNOLOGY GROUP, INC. (2)
* 8,938,060 Technique for effectively providing personalized communications and information assistance services 0 2006
* 2007/0121,882 Technique for effectively providing personalized communications and information assistance services 9 2006
 
ORACLE OTC SUBSIDIARY LLC (1)
* 7,941,755 Method and apparatus for web page co-browsing 3 2007
 
Owl Computing Technologies, Inc. (2)
7,675,867 One-way data transfer system with built-in data verification mechanism 18 2007
8,732,453 Secure acknowledgment device for one-way data transfer system 0 2011
 
INTEL CORPORATION (1)
* 6,598,083 System and method for communicating over a non-continuous connection with a device on a network 16 1999
 
G&H NEVADA-TEK (3)
8,381,087 Automated electronic document filing system, method, and article of manufacture 0 2000
7,082,439 System and method for electronic message notification 12 2000
8,271,505 System and method for electronic message notification 0 2006
 
PANASONIC ELECTRIC WORKS CO., LTD. (1)
* 7,739,493 Systems and methods for facilitating secure remote access to sensitive data from an embedded device 0 2003
* Cited By Examiner