Method and apparatus for secure online transactions
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United States of America Patent
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Apr 3, 2007
Grant Date -
Nov 6, 2003
app pub date -
May 1, 2002
filing date -
May 1, 2002
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A method and apparatus for performing secure online transactions provides a user interface that is intuitive and easily to understand. The invention integrates an online wallet service with credit card issuers that provide online credit card authentication services. The method provides a keypad interface for PIN entry, or an interface that resembles an offline transaction receipt. The apparatus that stores personal information and credit card information uses a level-two authentication password to protect the user's credit card information. The invention integrates with the credit card issuer when a personal identification number is required for the user to perform online transactions by the credit card issuer. The embodiments include integrations when the level-two authentication password is equivalent to the personal identification number and that when they or not equivalent.
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