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Filing Information

Inventor(s)	Barry Geller ·
Assignee(s)	Extreming, Inc. ·  View assignee updates
Correspondent	MCDERMOTT, WILL & EMERY ·
Application Number	US10670128
Filing date	09/23/2003
Publication date	03/24/2005
Predicted expiration date	09/23/2023
U.S. Classifications	705/26  ·
International Classifications	--
Kind Code	A1

Patent Family

Abstract

An intelligent financial card system, process and article that allows more secure E-commerce transactions with Internet merchants by avoiding the transfer of financial card information to the merchants, while at the same time advantageously employing portions of infrastructure already used in conventional financial card E-commerce transactions. The intelligent financial card verifies itself and acts as its own transaction authorization agent during an E-commerce transaction, thus eliminating the need for a third-party transaction authorization agent and resultant costs to the merchant. The intelligent financial card better protects a merchant against fraudulent E-commerce transactions by providing a customer identity verification system that more reliably verifies that the person using financial card information for the E-commerce transaction is the actual person authorized to do so.

Independent Claims | See all claims (104)

1. 1. An article of manufacture comprising a computer readable medium on which server emulation software is stored and from which Interactive Media Site (IMS) software can be accessed by a local host device, wherein the computer readable medium comprises: at least one virtual store from which a consumer may obtain at least one of a product and a service; and financial card information for providing payment for the at least one of the product and the service obtained by the consumer.
2. 17. An article of manufacture comprising a computer readable medium on which server emulation software is stored and from which Interactive Media Site (IMS) software can be accessed by a local host device, wherein the computer readable medium comprises: at least one virtual store from which a consumer may obtain at least one of a product and a service; financial card information for providing payment for the at least one of the product and the service obtained by the consumer; a consumer banking identification number for associating the consumer with a cardholder account; and merchant account information identifying at least one merchant associated with the at least one virtual store.
3. 46. An article of manufacture comprising a computer readable medium on which server emulation software is stored and from which Interactive Media Site (IMS) software can be accessed by a local host device, wherein the computer readable medium comprises: an encrypted data string including identity verification information; and software for decrypting the data string.
4. 85. A method for enabling a consumer to engage in an E-commerce transaction requiring a financial card, the method comprising: providing to the consumer a computer readable medium on which server emulation software is stored and from which Interactive Media Site (IMS) software can be accessed by a local host device; providing on the computer readable medium at least one virtual store from which a consumer may obtain at least one of a product and a service; and providing on the computer readable medium financial card information for providing payment for the at least one of the product and the service obtained by the consumer.
5. 87. A method for enabling a consumer to engage in an E-commerce transaction requiring a financial card, the method comprising: providing to the consumer a computer readable medium on which server emulation software is stored and from which Interactive Media Site (IMS) software can be accessed by a local host device; providing on the computer readable medium an encrypted data string including identity verification information; and providing on the computer readable medium software for decrypting the data string.
6. 92. A method for enabling a consumer to engage in an E-commerce transaction requiring a financial card, the method comprising: receiving from a bank customer identity verification information; generating a randomly generated number; combining the randomly generated number and identity verification information into a first data string; and associating the first data string with a cardholder account maintained for the bank customer by a financial institution.

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