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WO2003027798A3 - Method for providing cardless payment - Google Patents

Method for providing cardless payment Download PDF

Info

Publication number
WO2003027798A3
WO2003027798A3 PCT/US2002/029649 US0229649W WO03027798A3 WO 2003027798 A3 WO2003027798 A3 WO 2003027798A3 US 0229649 W US0229649 W US 0229649W WO 03027798 A3 WO03027798 A3 WO 03027798A3
Authority
WO
WIPO (PCT)
Prior art keywords
alias
account
holder
pie
card
Prior art date
Application number
PCT/US2002/029649
Other languages
French (fr)
Other versions
WO2003027798A2 (en
Inventor
William Frederick Mann Iii
Jeffrey L Hirka
Original Assignee
First Usa Bank Na
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US09/957,505 external-priority patent/US7099850B1/en
Priority claimed from US09/956,997 external-priority patent/US7103576B2/en
Application filed by First Usa Bank Na filed Critical First Usa Bank Na
Priority to EP02775858A priority Critical patent/EP1440400A4/en
Priority to CA002460886A priority patent/CA2460886A1/en
Priority to AU2002341707A priority patent/AU2002341707A1/en
Publication of WO2003027798A2 publication Critical patent/WO2003027798A2/en
Publication of WO2003027798A3 publication Critical patent/WO2003027798A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.
PCT/US2002/029649 2001-09-21 2002-09-20 Method for providing cardless payment WO2003027798A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP02775858A EP1440400A4 (en) 2001-09-21 2002-09-20 Method for providing cardless payment
CA002460886A CA2460886A1 (en) 2001-09-21 2002-09-20 Method for providing cardless payment
AU2002341707A AU2002341707A1 (en) 2001-09-21 2002-09-20 Method for providing cardless payment

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US09/957,505 US7099850B1 (en) 2001-09-21 2001-09-21 Methods for providing cardless payment
US09/956,997 2001-09-21
US09/957,505 2001-09-21
US09/956,997 US7103576B2 (en) 2001-09-21 2001-09-21 System for providing cardless payment

Publications (2)

Publication Number Publication Date
WO2003027798A2 WO2003027798A2 (en) 2003-04-03
WO2003027798A3 true WO2003027798A3 (en) 2003-10-30

Family

ID=27130383

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/029649 WO2003027798A2 (en) 2001-09-21 2002-09-20 Method for providing cardless payment

Country Status (4)

Country Link
EP (1) EP1440400A4 (en)
AU (1) AU2002341707A1 (en)
CA (1) CA2460886A1 (en)
WO (1) WO2003027798A2 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007050005A1 (en) * 2005-10-25 2007-05-03 Udo Hinz Credit card substitute
US10296874B1 (en) * 2007-12-17 2019-05-21 American Express Travel Related Services Company, Inc. System and method for preventing unauthorized access to financial accounts
US8577804B1 (en) 2008-02-20 2013-11-05 Collective Dynamics LLC Method and system for securing payment transactions
US11816665B2 (en) 2008-02-20 2023-11-14 Stripe, Inc. Method and system for multi-modal transaction authentication
WO2013122912A1 (en) * 2012-02-15 2013-08-22 Cardinalcommerce Corporation Authentication platform for pin debit issuers

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6341724B2 (en) * 1999-05-10 2002-01-29 First Usa Bank, Na Cardless payment system

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0581421B1 (en) * 1992-07-20 2003-01-15 Compaq Computer Corporation Method and system for certificate based alias detection
US5961593A (en) * 1997-01-22 1999-10-05 Lucent Technologies, Inc. System and method for providing anonymous personalized browsing by a proxy system in a network
EP0917119A3 (en) * 1997-11-12 2001-01-10 Citicorp Development Center, Inc. Distributed network based electronic wallet
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
WO2001035355A1 (en) * 1999-11-09 2001-05-17 First Data Resources Systems and methods for anonymous payment transactions
AU4711801A (en) * 1999-12-06 2001-06-18 Rolfe M. Philip Method of masking the identity of a purchaser during a credit transaction

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6341724B2 (en) * 1999-05-10 2002-01-29 First Usa Bank, Na Cardless payment system

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP1440400A4 *

Also Published As

Publication number Publication date
EP1440400A2 (en) 2004-07-28
AU2002341707A1 (en) 2003-04-07
EP1440400A4 (en) 2004-11-10
CA2460886A1 (en) 2003-04-03
WO2003027798A2 (en) 2003-04-03

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