System and method for conducting secure internet transactions
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United States of America Patent
Stats
-
Nov 5, 2002
Grant Date -
N/A
app pub date -
Dec 10, 1998
filing date -
Dec 16, 1997
priority date (Note) -
Expired
status (Latency Note)
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Forward Citations
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Abstract
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.

First Claim
Family

- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
- Assignment data not available. Check PTO
International Classification(s)
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
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Mhoon, Hankey | 7533 Keystone Ave., Skokie, IL 60076 | 1 | 53 |
Cited Art Landscape
Patent Info | (Count) | # Cites | Year |
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* 4799156 Interactive market management system | 1874 | 1986 | |
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5671285 Secure communication system | 140 | 1995 | |
* 5729594 On-line secured financial transaction system through electronic media | 363 | 1996 | |
* 5799285 Secure system for electronic selling | 412 | 1996 | |
* 6012144 Transaction security method and apparatus | 257 | 1997 | |
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5351296 Financial transmission system | 103 | 1993 | |
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* 5987140 System, method and article of manufacture for secure network electronic payment and credit collection | 395 | 1996 | |
* 5983208 System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture | 310 | 1996 | |
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5371797 Secure electronic funds transfer from telephone or unsecured terminal | 144 | 1993 | |
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5590197 Electronic payment system and method | 896 | 1995 | |
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* 5689799 Method and apparatus for routing confidential information | 158 | 1995 | |
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* 5790677 System and method for secure electronic commerce transactions | 778 | 1995 | |
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* 6014636 Point of sale method and system | 343 | 1997 | |
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* 5475585 Transactional processing system | 223 | 1994 | |
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* 6175823 Electronic gift certificate system | 179 | 1998 | |
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* 5727163 Secure method for communicating credit card data when placing an order on a non-secure network | 450 | 1995 | |
5715399 Secure method and system for communicating a list of credit card numbers over a non-secure network | 654 | 1995 | |
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* 5845070 Security system for internet provider transaction | 207 | 1996 | |
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* 5699528 System and method for bill delivery and payment over a communications network | 1164 | 1995 | |
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* 5822737 Financial transaction system | 277 | 1996 | |
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* 5881226 Computer security system | 96 | 1996 | |
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* 5826245 Providing verification information for a transaction | 448 | 1995 | |
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* 5485370 Home services delivery system with intelligent terminal emulator | 256 | 1993 | |
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5511122 Intermediate network authentication | 331 | 1994 | |
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* 5809143 Secure keyboard | 64 | 1997 | |
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5671279 Electronic commerce using a secure courier system | 684 | 1995 | |
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* 5945653 System and method for establishing and executing functions to affect credit card accounts and transactions | 355 | 1997 | |
* 6327348 Method and system for controlling authorization of credit card transactions | 62 | 1999 | |
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* 5809144 Method and apparatus for purchasing and delivering digital goods over a network | 600 | 1995 | |
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* 5528490 Electronic catalog system and method | 287 | 1992 | |
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* 6058250 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 | 141 | 1996 |
Patent Citation Ranking
Forward Cite Landscape
Patent Info | (Count) | # Cites | Year |
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* 2003/0055,763 Method and system for generating electronic forms for purchasing financial products | 13 | 2001 | |
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* 2002/0123,972 Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet | 36 | 2001 | |
* 2004/0193,878 Method and data processing device for transferring data via various interfaces | 16 | 2004 | |
* 2006/0242,058 Transaction system | 13 | 2004 | |
* 2006/0131,390 Method and system for providing transaction notification and mobile reply authorization | 153 | 2004 | |
* 2006/0131,385 Conditional transaction notification and implied approval system | 59 | 2005 | |
* 2005/0251,469 Network topology for processing consumer financial transactions | 17 | 2005 | |
* 2009/0018,934 System and Method for defense ID theft attack security service system in marketing environment | 7 | 2007 | |
7748614 Transaction system and method | 48 | 2007 | |
* 2008/0005,021 Transaction system and method | 24 | 2007 | |
* 2011/0137,748 Systems and Methods for Virtual Credit Card Transactions | 5 | 2009 | |
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* 2006/0026,097 Method and apparatus for verifying a financial instrument | 8 | 2004 | |
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* 2005/0203,843 Internet debit system | 9 | 2004 | |
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* 7865446 Method for secure electronic commercial transaction on-line processing | 6 | 2002 | |
* 2003/0110,137 Method for secure electronic commercial transaction on-line processing | 4 | 2002 | |
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* 7383572 Use of public switched telephone network for authentication and authorization in on-line transactions | 48 | 2002 | |
* 2003/0221,125 Use of public switched telephone network for authentication and authorization in on-line transactions | 16 | 2002 | |
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* RE46140 Method and system for conducting business in a transnational e-Commerce network | 0 | 2011 | |
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* 7792747 Internet-based money order system | 0 | 2006 | |
* 2006/0224,498 Internet-Based Money Order System | 1 | 2006 | |
* 7870068 Internet-based money order system | 0 | 2008 | |
* 7853522 Internet-based money order system | 0 | 2008 | |
* 2009/0055,287 INTERNET-BASED MONEY ORDER SYSTEM | 0 | 2008 | |
* 2009/0055,312 INTERNET-BASED MONEY ORDER SYSTEM | 0 | 2008 | |
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* 2004/0111,370 Single source money management system | 106 | 2003 | |
* 2005/0211,765 Money management network | 18 | 2005 | |
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* 8775792 Method of and system for encryption and authentication | 0 | 2006 | |
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* 2009/0034,725 METHOD OF AND SYSTEM FOR ENCRYPTION AND AUTHENTICATION | 8 | 2006 | |
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* 2003/0074,311 Self-administered automatic payroll deduction | 133 | 2002 | |
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7675867 One-way data transfer system with built-in data verification mechanism | 39 | 2007 | |
8732453 Secure acknowledgment device for one-way data transfer system | 3 | 2011 | |
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* 2002/0016,765 System and method for third-party payment processing | 50 | 2001 | |
8571972 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 | 1 | 2004 | |
* 2007/0288,375 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 | 12 | 2004 | |
* 2005/0108,104 Integrating third party shopping cart applications with an online payment service | 84 | 2004 | |
8001040 Computer-implemented method and system for dynamic consumer rating in a transaction | 7 | 2005 | |
7527195 Method and system for risk management in a transaction | 18 | 2005 | |
* 2006/0226,216 Method and system for risk management in a transaction | 27 | 2005 | |
8554669 Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale | 0 | 2007 | |
* 2008/0167,956 Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale | 12 | 2007 | |
8433648 Method and system for engaging in a transaction between a consumer and a merchant | 5 | 2007 | |
8719164 Method and system for engaging in a transaction between a business entity and a merchant | 0 | 2008 | |
8095445 Method and system for completing a transaction between a customer and a merchant | 3 | 2010 | |
* 2011/0125,619 METHOD AND SYSTEM FOR COMPLETING A TRANSACTION BETWEEN A CUSTOMER AND A MERCHANT | 4 | 2010 | |
9412132 Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale | 0 | 2014 | |
9684931 Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale | 0 | 2016 | |
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* 2009/0132,351 Transaction processing system | 14 | 2008 | |
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* 6980970 Secure networked transaction system | 60 | 2000 | |
* 2002/0077,837 Secure networked transaction system | 50 | 2000 | |
7853523 Secure networked transaction system | 2 | 2009 | |
* 2009/0125,430 SECURE NETWORKED TRANSACTION SYSTEM | 3 | 2009 | |
8229848 Secure networked transaction system | 1 | 2010 | |
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* 2002/0059,369 Method and apparatus for creating and distributing non-sensitized information summaries to users | 50 | 2001 | |
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* 2007/0172,063 Out-Of-Band Authentication for Automated Applications ("BOTS") | 12 | 2006 | |
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7299980 Computer readable universal authorization card system and method for using same | 0 | 2002 | |
* 6749114 Universal authorization card system and method for using same | 48 | 2002 | |
* 2002/0170,958 Computer readable universal authorization card system and method for using same | 2 | 2002 | |
7810735 Computer readable universal authorization card system and method for using same | 45 | 2007 | |
8403228 Computer readable universal authorization card system and method for using same | 3 | 2010 | |
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7890393 Method and system for completing a transaction between a customer and a merchant | 49 | 2002 | |
* 2004/0078,328 Method and system for completing a transaction between a customer and a merchant | 223 | 2003 | |
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7765153 Method and apparatus for verifying financial account information | 1 | 2003 | |
* 2004/0254,867 Method and apparatus for verifying financial account information | 8 | 2003 | |
7588181 Method and apparatus for verifying the legitamacy of a financial instrument | 1 | 2005 | |
* 2007/0051,795 Method and apparatus for verifying the legitamacy of a financial instrument | 5 | 2005 | |
8131617 Method and apparatus for verifying the legitimacy of a financial instrument | 0 | 2009 | |
8805738 Method and apparatus for verifying financial account information | 1 | 2009 | |
* 2010/0023,423 Method and Apparatus for Verifying Financial Account Information | 0 | 2009 | |
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7082439 System and method for electronic message notification | 13 | 2000 | |
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* 8315903 Method for cross-promoting communications services | 0 | 2010 | |
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7970722 System, method and computer program product for a collaborative decision platform | 5 | 2009 | |
8160988 System, method and computer program product for a collaborative decision platform | 1 | 2010 | |
8005777 System, method and computer program product for a collaborative decision platform | 19 | 2010 | |
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* 2001/0056,399 Web dependent consumer financing and virtual reselling method | 30 | 2001 | |
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* 7388953 Method and system for providing intelligent network control services in IP telephony | 2 | 2002 | |
* 2002/0131,575 Method and system for providing intelligent network control services in IP telephony | 4 | 2002 | |
7406073 Method of and system for providing intelligent network control services in IP telephony | 1 | 2003 | |
* 2004/0042,607 Method of and system for providing intelligent network control services in IP telephony | 3 | 2003 | |
8085760 Method of and system for providing intelligent network control services in IP telephony | 0 | 2007 | |
7480289 Method of and system for providing intelligent network control services in IP telephony | 2 | 2007 | |
7411944 Method of and system for providing intelligent network control services in IP telephony | 0 | 2007 | |
* 2008/0049,924 METHOD OF AND SYSTEM FOR PROVIDING INTELLIGENT NETWORK CONTROL SERVICES IN IP TELEPHONY | 2 | 2007 | |
* 2008/0049,925 METHOD OF AND SYSTEM FOR PROVIDING INTELLIGENT NETWORK CONTROL SERVICES IN IP TELEPHONY | 0 | 2007 | |
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* 8112747 Integrated software support for a distributed business application with seamless backend communications | 14 | 2006 | |
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* 8112328 Secure and mediated access for E-services | 0 | 2001 | |
* 2003/0088,429 Secure and mediated access for E-services | 6 | 2001 | |
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6766482 Ethernet automatic protection switching | 112 | 2001 | |
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8756099 Consumer processing system and method | 0 | 2005 | |
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* 2004/0059,642 Method for communicating a reference number over non-secure networks | 3 | 2003 | |
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8271505 System and method for electronic message notification | 0 | 2006 | |
* 2007/0011,202 System and method for electronic message notification | 0 | 2006 | |
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8381087 Automated electronic document filing system, method, and article of manufacture | 0 | 2000 | |
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* 8938060 Technique for effectively providing personalized communications and information assistance services | 2 | 2006 | |
* 2007/0121,882 Technique for effectively providing personalized communications and information assistance services | 12 | 2006 | |
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* 7941755 Method and apparatus for web page co-browsing | 13 | 2007 | |
* 2008/0276,183 METHOD AND APPARATUS FOR WEB PAGE CO-BROWSING | 37 | 2007 | |
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* 2012/0054,101 APPLICATION PROGRAM INTERFACE BASED FRAUD MITIGATION | 3 | 2010 | |
* 2013/0013,512 SOFTWARE DEVELOPMENT KIT BASED FRAUD MITIGATION | 0 | 2012 | |
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* 8799463 Method and apparatus for processing information related to interactive web sites | 0 | 2000 | |
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* 6598083 System and method for communicating over a non-continuous connection with a device on a network | 16 | 1999 | |
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* 7447662 Transaction processing system | 49 | 2001 | |
* 2004/0030,607 Transaction processing system | 14 | 2003 | |
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* 7739493 Systems and methods for facilitating secure remote access to sensitive data from an embedded device | 0 | 2003 |
Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
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Fee | Large entity fee | small entity fee | micro entity fee |
---|---|---|---|
Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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