US Patent No: 8,181,861
Number of patents in Portfolio can not be more than 2000
Electronic transaction security system and method
Stats
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May 22, 2012
Issued date -
Oct 13, 2008
filing date -
12/250,416
serial no -
In Force
status
Importance
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Abstract
A computerized method for generating a time-limited number for use in a payment card transaction involving a payment card issued to a user by a financial institution. The payment card comprises an original payment card number. The method comprises the steps of providing to a processor a first plurality of digits of the original payment card number, where the first plurality of digits are predetermined digits associated to the financial institution, providing to the processor a desired expiration date through which the time-limited number is valid for acceptance in the payment card transaction, and executing a program by the processor so that the program sets a first plurality of digits in the time-limited number to the first plurality of digits in the original payment card number, generates a first number corresponding to the desired expiration date, sets a second plurality of digits in the time-limited number to the first number, and outputs the time-limited number.
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First Claim
Related Publications
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International Classification(s)
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Cited Art
| Patent Info | (Count) | # Cites | Year |
|---|---|---|---|
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| 7,360,096 Securely processing client credentials used for Web-based access to resources | 9 | 2003 | |
| 7,549,048 Efficient and secure authentication of computing systems | 10 | 2004 | |
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| 6,070,154 Internet credit card security | 91 | 1998 | |
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| 6,029,154 Method and system for detecting fraud in a credit card transaction over the internet | 95 | 1997 | |
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| 5,781,630 Method and device for accurately dating an electronic document | 19 | 1997 | |
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| 5,864,667 Method for safe communications | 97 | 1997 | |
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| 5,189,700 Devices to (1) supply authenticated time and (2) time stamp and authenticate digital documents | 88 | 1991 | |
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| 5,550,897 Cellular telephone calling system using credit card validation | 56 | 1994 | |
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| 2008/0011,825 TRANSACTIONS USING HANDHELD ELECTRONIC DEVICES BASED ON UNOBTRUSIVE PROVISIONING OF THE DEVICES | 11 | 2006 | |
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| 2009/0183,008 IDENTITY AUTHENTICATION AND SECURED ACCESS SYSTEMS, COMPONENTS, AND METHODS | 5 | 2008 | |
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| 5,956,699 System for secured credit card transactions on the internet | 204 | 1997 | |
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| 6,530,023 Method and device that validates time of an internal source using an external source | 19 | 1998 | |
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| 6,058,189 Method and system for performing secure electronic monetary transactions | 13 | 1997 | |
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| 7,107,242 Electronic transaction security method | 6 | 2000 | |
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| 5,943,426 Method and apparatus for relaying digitally signed messages | 37 | 1997 | |
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| 2008/0189,773 Securing User Logins with Wv Bindings and Transports | 1 | 2006 | |
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| 2003/0028,481 Credit card system and method | 182 | 2002 | |
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| 2007/0290,034 Method for generating customer secure card numbers | 2 | 2007 | |
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| 2007/0241,183 PIN-SECURED DYNAMIC MAGNETIC STRIPE PAYMENT CARD | 59 | 2007 | |
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| 2009/0030,845 SYSTEM AND METHOD FOR ACCOUNT IDENTIFIER OBFUSCATION | 2 | 2008 | |
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| 2003/0097,343 Secured purchase card transaction | 5 | 2000 | |
Patent Citation Ranking
Maintenance Fees
| Fee | Large entity fee | small entity fee | micro entity fee | due date |
|---|---|---|---|---|
| 3.5 Year Payment | $1600.00 | $800.00 | $400.00 | Nov 22, 2015 |
| 7.5 Year Payment | $3600.00 | $1800.00 | $900.00 | Nov 22, 2019 |
| 11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Nov 22, 2023 |
| Fee | Large entity fee | small entity fee | micro entity fee |
|---|---|---|---|
| Surcharge - 3.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
| Surcharge - 7.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
| Surcharge - 11.5 year - Late payment within 6 months | $160.00 | $80.00 | $40.00 |
| 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 |