US Patent No: 8,181,861

Number of patents in Portfolio can not be more than 2000

Electronic transaction security system and method

ALSO PUBLISHED AS: 20100089998

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Abstract

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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

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Patent Owner(s)

Patent OwnerAddressTotal Patents
MIRI SYSTEMS, LLCCHARLOTTE, NC2

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Sandstrom, Ronald W - 5 3
Vasil, Paul E Medway, MA 5 8
Zon, Ludwik F - 6 4

Cited Art Landscape

Patent Info (Count) # Cites Year
 
MICROSOFT CORPORATION (2)
7,360,096 Securely processing client credentials used for Web-based access to resources 17 2003
7,549,048 Efficient and secure authentication of computing systems 10 2004
 
ACTIVEPOINT LTD. (1)
6,070,154 Internet credit card security 102 1998
 
COIN, INC. (1)
2007/0241,183 PIN-SECURED DYNAMIC MAGNETIC STRIPE PAYMENT CARD 101 2007
 
CYBERSOURCE CORPORATION (1)
6,029,154 Method and system for detecting fraud in a credit card transaction over the internet 124 1997
 
DEUTSCHE TELEKOM AG (1)
5,781,630 Method and device for accurately dating an electronic document 20 1997
 
E-CONTACT TECHNOLOGIES LLC (1)
5,189,700 Devices to (1) supply authenticated time and (2) time stamp and authenticate digital documents 97 1991
 
ECS ENHANCED CELLULAR SYSTEMS MARKETING, INC. (1)
5,550,897 Cellular telephone calling system using credit card validation 62 1994
 
IBREVA CORPORATION (1)
2008/0011,825 TRANSACTIONS USING HANDHELD ELECTRONIC DEVICES BASED ON UNOBTRUSIVE PROVISIONING OF THE DEVICES 30 2006
 
IMS HEALTH INCORPORATED (1)
5,864,667 Method for safe communications 121 1997
 
INNOVATION INVESTMENTS, LLC (1)
2009/0183,008 IDENTITY AUTHENTICATION AND SECURED ACCESS SYSTEMS, COMPONENTS, AND METHODS 8 2008
 
Jaesent Inc. (1)
5,956,699 System for secured credit card transactions on the internet 289 1997
 
LOAS TEI PTE., LLC (1)
6,530,023 Method and device that validates time of an internal source using an external source 23 1998
 
MCGOUGH, PAUL (1)
6,058,189 Method and system for performing secure electronic monetary transactions 16 1997
 
MIRI SYSTEMS, LLC (1)
7,107,242 Electronic transaction security method 7 2000
 
MOTOROLA MOBILITY LLC (1)
5,943,426 Method and apparatus for relaying digitally signed messages 43 1997
 
NOKIA CORPORATION (1)
2008/0189,773 Securing User Logins with Wv Bindings and Transports 2 2006
 
ORBIS PATENTS LTD. (1)
2003/0028,481 Credit card system and method 240 2002
 
PRIVASYS, INC. (1)
2007/0290,034 Method for generating customer secure card numbers 3 2007
 
VISA U.S.A. INC. (1)
2009/0030,845 SYSTEM AND METHOD FOR ACCOUNT IDENTIFIER OBFUSCATION 3 2008
 
Other [Check patent profile for assignment information] (1)
2003/0097,343 Secured purchase card transaction 5 2000

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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