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)

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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 52

Cited Art Landscape

Patent Info (Count) # Cites Year
 
STRATEGIC PROCESSING CORPORATION (1)
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Other [Check patent profile for assignment information] (4)
5,671,285 Secure communication system 134 1995
* 5,729,594 On-line secured financial transaction system through electronic media 336 1996
* 5,799,285 Secure system for electronic selling 377 1996
* 6,012,144 Transaction security method and apparatus 229 1997
 
SWIPE INNOVATIONS, LLC (1)
5,351,296 Financial transmission system 96 1993
 
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (2)
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BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
5,371,797 Secure electronic funds transfer from telephone or unsecured terminal 139 1993
 
V-One Corporation (1)
5,590,197 Electronic payment system and method 865 1995
 
OPENTV, INC. (1)
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SET SECURE ELECTRONIC TRANSACTION LLC (1)
* 5,790,677 System and method for secure electronic commerce transactions 723 1995
 
ALCATEL-LUCENT USA INC. (1)
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TUGALOO LAVONIA GMBH, LLC (1)
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AMAZON TECHNOLOGIES, INC. (1)
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AMAZON.COM, INC. (2)
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5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 623 1995
 
GUYZAR LLC (1)
* 5,845,070 Security system for internet provider transaction 199 1996
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
* 5,699,528 System and method for bill delivery and payment over a communications network 1090 1995
 
SPINDLE MOBILE, INC. (1)
* 5,822,737 Financial transaction system 261 1996
 
BRIAN J. VENEKLASE (1)
* 5,881,226 Computer security system 79 1996
 
ECTOLINK, LLC (1)
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CITICORP DEVELOPMENT CENTER, INC. (1)
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The United States of America as represented by the Secretary of the Navy (1)
5,511,122 Intermediate network authentication 309 1994
 
STURIALE, VICKI (1)
* 5,809,143 Secure keyboard 59 1997
 
FACEBOOK, INC. (1)
5,671,279 Electronic commerce using a secure courier system 648 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 332 1997
* 6,327,348 Method and system for controlling authorization of credit card transactions 55 1999
 
CARNEGIE MELLON UNIVERSITY (1)
* 5,809,144 Method and apparatus for purchasing and delivering digital goods over a network 576 1995
 
Charles E. Hill & Associates, Inc. (1)
* 5,528,490 Electronic catalog system and method 271 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 126 1996
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
GENWORTH HOLDINGS, INC. (1)
* 2003/0055,763 Method and system for generating electronic forms for purchasing financial products 13 2001
 
Other [Check patent profile for assignment information] (9)
* 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 10 2004
* 2006/0242,058 Transaction system 12 2004
* 2006/0131,390 Method and system for providing transaction notification and mobile reply authorization 114 2004
* 2005/0251,469 Network topology for processing consumer financial transactions 9 2005
* 2009/0018,934 System and Method for defense ID theft attack security service system in marketing environment 4 2007
7,748,614 Transaction system and method 40 2007
* 2008/0005,021 Transaction system and method 18 2007
* 2011/0137,748 Systems and Methods for Virtual Credit Card Transactions 0 2009
 
KAGI, INC. (7)
7,765,153 Method and apparatus for verifying financial account information 0 2003
* 2004/0254,867 Method and apparatus for verifying financial account information 7 2003
* 2006/0026,097 Method and apparatus for verifying a financial instrument 8 2004
7,588,181 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
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
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
* 2005/0203,843 Internet debit system 7 2004
 
LINKEDIN CORPORATION (2)
* 7,865,446 Method for secure electronic commercial transaction on-line processing 0 2002
* 2003/0110,137 Method for secure electronic commercial transaction on-line processing 2 2002
 
AUTHENTIFY PATENT CO LLC (1)
* 7,383,572 Use of public switched telephone network for authentication and authorization in on-line transactions 43 2002
 
VIRGINIA INNOVATION SCIENCES, INC. (1)
* RE46140 Method and system for conducting business in a transnational e-Commerce network 0 2011
 
THE WESTERN UNION COMPANY (5)
* 7,792,747 Internet-based money order system 0 2006
* 2006/0224,498 Internet-Based Money Order System 1 2006
* 7,870,068 Internet-based money order system 0 2008
* 7,853,522 Internet-based money order system 0 2008
* 2009/0055,287 INTERNET-BASED MONEY ORDER SYSTEM 0 2008
 
NICHOLAS ANTHONY LINDSAY BROWN (2)
* 2004/0111,370 Single source money management system 99 2003
* 2005/0211,765 Money management network 16 2005
 
Strue, Inc. (1)
* 8,775,792 Method of and system for encryption and authentication 0 2006
 
ELEVATOR SOFTWARE CORPORATION (1)
* 2009/0034,725 METHOD OF AND SYSTEM FOR ENCRYPTION AND AUTHENTICATION 7 2006
 
NewAttitude Inc. (1)
* 2003/0074,311 Self-administered automatic payroll deduction 125 2002
 
PAYPAL, INC. (14)
* 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
* 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 10 2004
* 2005/0108,104 Integrating third party shopping cart applications with an online payment service 79 2004
8,001,040 Computer-implemented method and system for dynamic consumer rating in a transaction 2 2005
7,527,195 Method and system for risk management in a transaction 16 2005
* 2006/0226,216 Method and system for risk management in a transaction 16 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
* 2008/0167,956 Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale 8 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 1 2010
* 2011/0125,619 METHOD AND SYSTEM FOR COMPLETING A TRANSACTION BETWEEN A CUSTOMER AND A MERCHANT 4 2010
9,412,132 Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale 0 2014
 
VETT LIMITED (3)
* 7,447,662 Transaction processing system 40 2001
* 2004/0030,607 Transaction processing system 10 2003
* 2009/0132,351 Transaction processing system 6 2008
 
CALLAHAN CELLULAR L.L.C. (5)
* 6,980,970 Secure networked transaction system 55 2000
* 2002/0077,837 Secure networked transaction system 40 2000
7,853,523 Secure networked transaction system 2 2009
* 2009/0125,430 SECURE NETWORKED TRANSACTION SYSTEM 2 2009
8,229,848 Secure networked transaction system 1 2010
 
Yodlee.com, Inc. (1)
* 2002/0059,369 Method and apparatus for creating and distributing non-sensitized information summaries to users 45 2001
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
* 2007/0172,063 Out-Of-Band Authentication for Automated Applications ("BOTS") 9 2006
 
Inadam Corporation (5)
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 46 2002
* 2002/0170,958 Computer readable universal authorization card system and method for using same 2 2002
7,810,735 Computer readable universal authorization card system and method for using same 41 2007
8,403,228 Computer readable universal authorization card system and method for using same 0 2010
 
GOPIN INC. (2)
7,890,393 Method and system for completing a transaction between a customer and a merchant 20 2002
* 2004/0078,328 Method and system for completing a transaction between a customer and a merchant 202 2003
 
GOOGLE INC. (3)
7,082,439 System and method for electronic message notification 13 2000
8,271,505 System and method for electronic message notification 0 2006
* 2007/0011,202 System and method for electronic message notification 0 2006
 
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
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
7,970,722 System, method and computer program product for a collaborative decision platform 4 2009
8,160,988 System, method and computer program product for a collaborative decision platform 1 2010
8,005,777 System, method and computer program product for a collaborative decision platform 16 2010
 
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. (9)
* 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 1 2003
* 2004/0042,607 Method of and system for providing intelligent network control services in IP telephony 3 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
* 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
 
SAP SE (1)
* 8,112,747 Integrated software support for a distributed business application with seamless backend communications 13 2006
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (2)
* 8,112,328 Secure and mediated access for E-services 0 2001
* 2003/0088,429 Secure and mediated access for E-services 6 2001
 
EXTREME NETWORKS, INC. (1)
6,766,482 Ethernet automatic protection switching 107 2001
 
14 LICENSING LLC (1)
8,756,099 Consumer processing system and method 0 2005
 
IP3, SERIES 100 OF ALLIED SECURITY TRUST I (1)
8,381,087 Automated electronic document filing system, method, and article of manufacture 0 2000
 
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 10 2006
 
ORACLE OTC SUBSIDIARY LLC (2)
* 7,941,755 Method and apparatus for web page co-browsing 5 2007
* 2008/0276,183 METHOD AND APPARATUS FOR WEB PAGE CO-BROWSING 25 2007
 
III HOLDINGS 1, LLC (2)
* 2012/0054,101 APPLICATION PROGRAM INTERFACE BASED FRAUD MITIGATION 1 2010
* 2013/0013,512 SOFTWARE DEVELOPMENT KIT BASED FRAUD MITIGATION 0 2012
 
OWL COMPUTING TECHNOLOGIES, INC. (2)
7,675,867 One-way data transfer system with built-in data verification mechanism 29 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
 
KONINKLIJKE KPN N.V. (1)
* 2004/0059,642 Method for communicating a reference number over non-secure networks 3 2003
 
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