07103576 is referenced by 94 patents and cites 298 patents.

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.

Title
System for providing cardless payment
Application Number
9/956997
Publication Number
7103576 (B2)
Application Date
September 21, 2001
Publication Date
September 5, 2006
Inventor
Jeffrey L Hirka
Wilmington
DE, US
William Frederick Mann III
Avondale
PA, US
Agent
Hunton & Williams
Assignee
First USA Bank NA
DE, US
IPC
H04K 1/00
G06F 17/60
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