06227447 is referenced by 502 patents and cites 25 patents.

A Credit Card holder's telephone number is assigned to his or her credit card as an alias. The cardholder is then required to choose a PIN for security purposes. The telephone number is linked to the cardholder's credit card number via a database. When the cardmember enters into a transaction with a merchant, the card need not be present. The cardmember simply provides his or her telephone number and then the PIN. This can be done at any point of sale such as a store, catalog telephone order, or over the internet. The telephone number and PIN are entered and authorization is returned from the credit card company.

Title
Cardless payment system
Application Number
9/307597
Publication Number
6227447 (B1)
Application Date
May 10, 1999
Publication Date
May 8, 2001
Inventor
Kurt M Campisano
Philadelphia
PA, US
Agent
Hunton & Williams
US
Assignee
First USA Bank NA
DE, US
IPC
G06K 5/00
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