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System for providing cardless payment Number:7,103,576 from the United States Patent and Trademark Office (PTO) owispatent

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Title: System for providing cardless payment

Abstract: 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.

Patent Number: 7,103,576 Issued on 09/05/2006 to Mann, III,   et al.


Inventors: Mann, III; William Frederick (Avondale, PA), Hirka; Jeffrey L. (Wilmington, DE)
Assignee: First USA Bank, NA (Wilmington, DE)
Appl. No.: 09/956,997
Filed: September 21, 2001


Current U.S. Class: 705/64 ; 380/28; 380/29; 380/30; 705/65; 705/66; 705/67; 705/72
Current International Class: H04K 1/00 (20060101)
Field of Search: 705/64-67,72 380/28-30


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