EP1028401A2
Expired / Lapsed
EP
⏱️ 0.0 years remaining
Method and system for performing a bankcard transaction
Assignee: Citibank NA
•
Filing: 2000-02-10
•
Granted: —
•
Expires: 2020-02-10
Abstract
Abstract A method and system for performing a bankcard transaction provides a transaction card system for use, for example, on the Internet that allows a transaction card user to input authentication information to a transaction card issuer, which generates an anonymous or alternate card number and maintains a link between the anonymous or alternate card number and the transaction card user's transaction card number. An alternate aspect makes use, for example, of software on a local computing device, such as the transaction card user's personal computer or a point of sale terminal, which authenticates the transaction card user and generates the anonymous or alternate card number in sequence synchronization with the transaction card issuer's server.
Inventors
- 👤 Dan Schutzer
- 👤 Alan Slater
- 👤 Thomas Cirillo
- 👤 Robert Derodes
- 👤 Lucien Dancanet
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-10-24 10:00
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/38; G06Q20/385; G06Q20/40; G06Q20/403; G06Q20/4037
Claims Analysis
Total Claims: 65
Claim 1
Independent Claim
56 words
A method for performing a transaction by a transaction card user, comprising: authenticating the transaction card user; generating an anonymous card number for the transaction card user; associating the anonymous card number with a transaction card number of the
transaction card user; and authorizing the transaction with the anonymous card number for the
transaction card user.
Claim 2
Dependent Claim
23 words
The method of claim 1, wherein authenticating the transaction card user
further comprises authenticating the transaction card user by a transaction card issuer.
Claim 3
Dependent Claim
26 words
The method of claim 2, wherein authenticating the transaction card user
further comprises authenticating the transaction card user by a server of the transaction card
issuer.
Claim 4
Dependent Claim
23 words
The method of claim 2, wherein authenticating the transaction card user
further comprises receiving transaction card user information by the transaction card issuer.
Claim 5
Dependent Claim
22 words
The method of claim 4, wherein receiving the transaction card user
information further comprises receiving the information from the transaction card user.
Claim 6
Dependent Claim
30 words
The method of claim 5, wherein receiving the transaction card user
information further comprises receiving the information at a computing device coupled to a
server of the transaction card issuer.
Claim 7
Dependent Claim
26 words
The method of claim 6, wherein receiving the transaction card user
information further comprises receiving the information by the transaction card issuer's
server in encrypted form.
Claim 8
Dependent Claim
32 words
The method of claim 6, wherein receiving the transaction card user
information further comprises receiving the information at the computing device coupled
over a global network to the transaction card issuer's server.
Claim 9
Dependent Claim
14 words
The method of claim 6, wherein the computing device further comprises a
personal computer.
Claim 10
Dependent Claim
19 words
The method of claim 9, wherein the computing device further comprises an
electronic wallet application of the personal computer.
Claim 11
Dependent Claim
41 words
The method of claim 6, wherein receiving the transaction card user
information further comprises receiving at least one of a personal identification number, a
password, a biometric sample, a digital signature, and a transaction card number for the
transaction card user.
Claim 12
Dependent Claim
23 words
The method of claim 1, wherein authenticating the transaction card user
further comprises authenticating the transaction card user at a local computing device.
Claim 13
Dependent Claim
25 words
The method of claim 12, wherein the local computing device further comprises
one of a personal computer, a personal digital assistant, and a smart card.
Claim 14
Dependent Claim
26 words
The method of claim 12, wherein authenticating the transaction card user
further comprises authenticating the transaction card user by an application on the local
computing device.
Claim 15
Dependent Claim
19 words
The method of claim 14, wherein the application of the local computing device
further comprises an electronic wallet application.
Claim 16
Dependent Claim
26 words
The method of claim 12, wherein authenticating the transaction card user
further comprises receiving transaction card user information by an application on the local
computing device.
Claim 17
Dependent Claim
39 words
The method of claim 16, wherein the transaction card user information further
comprises at least one of a personal identification number, a password, a biometric sample, a
digital signature, and a transaction card number for the transaction card user.
Claim 18
Dependent Claim
23 words
The method of claim 1, wherein generating the anonymous card number
further comprises generating the anonymous card number by a transaction card issuer.
Claim 19
Dependent Claim
26 words
The method of claim 18, wherein generating the anonymous card number
further comprises generating the anonymous card number by a server of the transaction card
issuer.
Claim 20
Dependent Claim
28 words
The method of claim 19, wherein generating the anonymous card number
further comprises generating the anonymous card number by a number generator of the
transaction card issuer's server.
Claim 21
Dependent Claim
23 words
The method of claim 1, wherein generating the anonymous card number
further comprises generating the anonymous card number at a local computing device.
Claim 22
Dependent Claim
28 words
The method of claim 21, wherein generating the anonymous card number
further comprises generating the anonymous card number by a number generating application
on the local computing device.
Claim 23
Dependent Claim
38 words
The method of claim 22, wherein generating the anonymous card number
further comprises generating the anonymous card number by the number generating
application on the local computing device synchronized with a number generator of a
transaction card issuer.
Claim 24
Dependent Claim
38 words
The method of claim 1, wherein generating the anonymous card number
further comprises generating the anonymous card number according to pre-defined
parameters limiting use of the anonymous card number exclusively to the transaction by the
transaction card user.
Claim 25
Dependent Claim
34 words
The method of claim 1, wherein generating the anonymous card number
further comprises generating the anonymous card number according to pre-defined
parameters limiting use of the anonymous card number to a predetermined time period.
Claim 26
Dependent Claim
46 words
The method of claim 1, wherein generating the anonymous card number
further comprises generating the anonymous card number according to a pre-selected number
generating scheme selected from a group of schemes consisting of a random number
generating algorithm, a random sequence generator, and a secure-hashing algorithm.
Claim 27
Dependent Claim
31 words
The method of claim 1, wherein associating the anonymous card number
further comprises associating the anonymous card number with the transaction card user's
transaction card number by a transaction card issuer.
Claim 28
Dependent Claim
34 words
The method of claim 27, wherein associating the anonymous card number
further comprises associating the anonymous card number with the transaction card user's
transaction card number by a server of the transaction card issuer.
Claim 29
Dependent Claim
36 words
The method of claim 28, wherein associating the anonymous card number
further comprises linking the anonymous card number with the transaction card user's
transaction card number by a number generator of the transaction card issuer's server.
Claim 30
Dependent Claim
36 words
The method of claim 29, wherein associating the anonymous card number
further comprises linking the anonymous card number with the transaction card user's
transaction card number by an authorization processor of the transaction card issuer's server.
Claim 31
Dependent Claim
41 words
The method of claim 1, wherein associating the anonymous card number
further comprises linking the anonymous card number with the transaction card user's
transaction card number according to a pre-defined sequence synchronization with a number
generator of a local computing device.
Claim 32
Dependent Claim
34 words
The method of claim 31, wherein associating the anonymous card number
further comprises linking the anonymous card number with the transaction card user's
transaction card number by a server of a transaction card issuer.
Claim 33
Dependent Claim
19 words
The method of claim 1, wherein authorizing the transaction further comprises
authorizing the transaction by a transaction card issuer.
Claim 34
Dependent Claim
23 words
The method of claim 33, wherein authorizing the transaction further comprises
authorizing the transaction by an authorization processor of the transaction card issuer.
Claim 35
Dependent Claim
25 words
The method of claim 34, wherein authorizing the transaction further comprises
receiving the anonymous card number linked to the transaction card user's transaction card
number.
Claim 36
Dependent Claim
27 words
The method of claim 1, wherein authorizing the transaction further comprises
sending the authorization with the anonymous card number to a merchant for the transaction
card user.
Claim 37
Independent Claim
64 words
A system for performing a transaction by a transaction card user, comprising: means for authenticating the transaction card user; means for generating an anonymous card number for the transaction card user; means for associating the anonymous card number with a transaction
card number of the transaction card user; and means for authorizing the transaction with the anonymous card number for the
transaction card user.
Claim 38
Dependent Claim
23 words
The system of claim 37, wherein the means for authenticating the transaction
card user further comprises a server of a transaction card issuer.
Claim 39
Dependent Claim
32 words
The system of claim 38, wherein the means for authenticating the transaction
card user further comprises a computing device coupled to the transaction card issuer's server
for receiving transaction card user information.
Claim 40
Dependent Claim
38 words
The system of claim 39, wherein the means for authenticating the transaction
card user further comprises means of at least one of the computing device and the transaction
card issuer's server for encrypting the transaction card user's information.
Claim 41
Dependent Claim
21 words
The system of claim 40, further comprising the computing device coupled over
a global network to the transaction card issuer's server.
Claim 42
Dependent Claim
14 words
The system of claim 41, wherein the computing device further comprises a
personal computer.
Claim 43
Dependent Claim
19 words
The system of claim 42, wherein the computing device further comprises an
electronic wallet application of the personal computer.
Claim 44
Dependent Claim
39 words
The system of claim 42, wherein the transaction card user's information
further comprises at least one of a personal identification number, a password, a biometric
sample, a digital signature, and a transaction card number for the transaction card user.
Claim 45
Dependent Claim
20 words
The system of claim 37, wherein the means for authenticating the transaction
card user further comprises a local computing device.
Claim 46
Dependent Claim
25 words
The system of claim 45, wherein the local computing device further comprises
one of a personal computer, a personal digital assistant, and a smart card.
Claim 47
Dependent Claim
23 words
The system of claim 46, wherein the means for authenticating the transaction
card user further comprises an application on the local computing device.
Claim 48
Dependent Claim
25 words
The system of claim 47, wherein the means for authenticating the transaction
card user further comprises an electronic wallet application of the local computing device.
Claim 49
Dependent Claim
38 words
The system of claim 45, wherein the means for authenticating the transaction
card user further comprises an input device of the local computing device for receiving
transaction card user information by an application on the local computing device.
Claim 50
Dependent Claim
39 words
The system of claim 49, wherein the transaction card user information further
comprises at least one of a personal identification number, a password, a biometric sample, a
digital signature, and a transaction card number for the transaction card user.
Claim 51
Dependent Claim
23 words
The system of claim 37, wherein the means for generating the anonymous card
number further comprises a server of the transaction card issuer.
Claim 52
Dependent Claim
25 words
The system of claim 51, wherein the means for generating the anonymous card
number further comprises a number generator of the transaction card issuer's server.
Claim 53
Dependent Claim
20 words
The system of claim 37, wherein the means for generating the anonymous card
number further comprises a local computing device.
Claim 54
Dependent Claim
25 words
The system of claim 53, wherein the means for generating the anonymous card
number further comprises a number generating application on the local computing device.
Claim 55
Dependent Claim
35 words
The system of claim 54, wherein the means for generating the anonymous card
number further comprises the number generating application on the local computing device
synchronized with a number generator of a transaction card issuer.
Claim 56
Dependent Claim
42 words
The system of claim 37, wherein the means for generating the anonymous card
number further comprises means for generating the anonymous card number with pre-defined
parameters limiting user of the anonymous card number exclusively to the transaction for by
transaction card user.
Claim 57
Dependent Claim
38 words
The system of claim 37, wherein the means for generating the anonymous card
number further comprises means for generating the anonymous card number with pre-defined
parameters limiting use of the anonymous card number to a predetermined time period.
Claim 58
Dependent Claim
51 words
The system of claim 37, wherein the means for generating the anonymous card
number further comprises means for generating the anonymous card number according to a
pre-selected number generating scheme selected from a group of schemes consisting of a
random number generating algorithm, a random sequence generator, and a secure-hashing
algorithm.
Claim 59
Dependent Claim
23 words
The system of claim 37, wherein the means for associating the anonymous
card number further comprises a server of a transaction card issuer.
Claim 60
Dependent Claim
25 words
The system of claim 59, wherein the means for associating the anonymous
card number further comprise a number generator of the transaction card issuer's server.
Claim 61
Dependent Claim
25 words
The system of claim 60, wherein the means for associating the anonymous
card number further comprises an authorization processor of the transaction card issuer's
server.
Claim 62
Dependent Claim
41 words
The system of claim 37, wherein the means for associating the anonymous
card number further comprises a number generator of a server of a transaction card issuer in a
pre-defined sequence synchronization with a number generator of a local computing device.
Claim 63
Dependent Claim
21 words
The system of claim 37, wherein the means for authorizing the transaction
further comprises a server of the transaction card issuer.
Claim 64
Dependent Claim
23 words
The system of claim 63, wherein the means for authorizing the transaction
further comprises an authorization processor of the transaction card issuer's server.
Claim 65
Dependent Claim
35 words
The system of claim 37, wherein the means for authorizing the transaction
further comprises means for sending an authorization for the transaction with the anonymous
card number to a merchant for the transaction card user.
References Cited (Backward Citations)
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