Providing verification information for a transaction United States Patent 05826245

05826245 is referenced by 448 patents and cites 11 patents.

Verification information is provided with respect to a transaction between an initiating party and a verification-seeking party, the verification information being given by a third, verifying party, based on confidential information in the possession of the initiating party. On behalf of the initiating party, first and second tokens are generated, each of which represents some but not all of the confidential information. The first token is sent electronically via a nonsecure communication network from the initiating party to the verification-seeking party. The second token is sent electronically via a nonsecure communication network from the initiating party to the verifying party. Verification information is sent electronically via a nonsecure communication network from the verifying party to the verification-seeking party. The invention is useful, for example, in obtaining authorization of credit card transactions made via a nonsecure communication network, such as the INTERNET, while reducing the chance for credit card fraud.

Title
Providing verification information for a transaction
Application Number
8/407503
Publication Number
5826245
Application Date
March 20, 1995
Publication Date
October 20, 1998
Inventor
Erik Sandberg Diment
699 Pomfret Rd., Hampton, 06247
CT, US
Agent
Fish & Richardson P C
IPC
H04M 11/00
H04M 17/00
View Original Source

Citations: 448 (view full list)

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  2. Craig Watson: System and method for pre-authorization of individual account transactions. GE Capital, Workman Nydegger & Seeley, November 23, 1999: US05991750 (449 worldwide citation)
  3. David Ferrin Pare Jr, Ned Hoffman, Jonathan Alexander Lee: Tokenless biometric ATM access system. SmartTouch, Marger Johnson & McCollom P C, November 28, 2000: US06154879 (321 worldwide citation)
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  5. David Ferrin Pare Jr, Ned Hoffman, Jonathan Alexander Lee: Tokenless biometric electronic debit and credit transactions. Veristar Corporation, Ali Kamarei, July 31, 2001: US06269348 (266 worldwide citation)
  6. Thomas E Pickett: Transaction security method and apparatus. Watts Hoffmann Fisher & Heinke Co A, January 4, 2000: US06012144 (265 worldwide citation)
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  8. David Ferrin Pare Jr, Ned Hoffman, Jonathan Alexander Lee: Tokenless biometric electric check transaction. Veristar Corporation, Ali Kamarei, May 8, 2001: US06230148 (167 worldwide citation)
  9. John Philip Pettitt: Method and system for detecting fraud in a credit card transaction over the internet. Internet Commerce Services Corporation, McDermott Will & Emery, February 22, 2000: US06029154 (159 worldwide citation)
  10. Jennifer French, Jone Wilder: System and method for authentication of network users. Equifax, Kilpatrick Stockton, February 15, 2005: US06857073 (158 worldwide citation)

References: 11 (view full list)

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