US6227447B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
Cardless payment system
Assignee: JPMorgan Chase Bank NA
•
Filing: 1999-05-10
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Granted: 2001-05-08
•
Expires: 2019-05-10
Abstract
Abstract 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.
Inventors
- 👤 Kurt M. Campisano
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-02 09:14
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/30; G06Q20/305; G06Q20/04; G06Q20/38; G06Q20/385
Claims Analysis
Total Claims: 12
Claim 1
Independent Claim
140 words
A method for completing a credit card transaction in which a user is not required to know a credit card number and is not required to have a credit card physically present during the credit card transaction, the method comprising the steps of: assigning an alias to a pre-existing credit card number, the credit card number also having an associated PIN; linking the alias with the credit card number and the PIN in a database; providing a credit card owner with the alias; receiving the alias and the PIN upon initiation of a transaction without receipt of the credit card number; retrieving the credit card number from the database based on the alias; authenticating the transaction by retrieving the PIN in the database and comparing the retrieved PIN with the received PIN; and performing the transaction if authentication is successful.
Claim 2
Independent Claim
140 words
A method for completing a credit card transaction in which a user is not required to know a credit card number and is not required to have a credit card physically present during the credit card transaction, the method comprising the steps of: assigning an alias to a pre-existing credit card number, the credit card number also having an associated PIN; linking the alias with the credit card number and the PIN in a database; providing a credit card owner with the alias; receiving the alias and the PIN upon initiation of a transaction without receipt of the credit card number; retrieving the credit card number from the database based on the alias; authenticating the transaction by retrieving the PIN in the database and comparing the retrieved PIN with the received PIN; and performing the transaction if authentication is successful.
Claim 3
Dependent Claim
13 words
The method of claim 1 , wherein said alias is a telephone number.
Claim 4
Dependent Claim
22 words
The method of claim 1 , wherein performing the transaction comprises informing a merchant of the authentication and charging the credit card.
Claim 5
Dependent Claim
20 words
The method of claim 1 , wherein assigning an alias comprises assigning a home telephone number of a card holder.
Claim 6
Dependent Claim
27 words
The method of claim 1 , wherein the step of receiving the alias comprises receiving the alias through the use of a device connected to the database.
Claim 7
Dependent Claim
30 words
The method of claim 1 , wherein the step of retrieving the credit card number comprises retrieving the credit card number from a database maintained by the credit card company.
Claim 8
Dependent Claim
29 words
The method of claim 1 , wherein the step of retrieving the credit card number comprises retrieving the credit card number from a database maintained by the telephone company.
Claim 9
Dependent Claim
25 words
The method of claim 1 , wherein receiving the alias and PIN comprises receiving the alias and PIN through the use of a key pad.
Claim 10
Dependent Claim
24 words
The method of claim 1 , wherein receiving the alias and PIN comprises receiving the alias and PIN through the use of a telephone.
Claim 11
Independent Claim
142 words
A method for completing a credit card transaction in which a cardholder is not required to know a credit card number and is not required to have a credit card physically present during the credit card transaction, the method comprising the steps of: linking an alias, which includes telephone number of the cardholder with a credit card number and a PIN in a database; initiating a transaction when the cardholder attempts to make a purchase and enters the telephone number; searching the database for a PIN and a credit card number linked to the telephone number; prompting the cardholder for entry of a PIN; authenticating the transaction if the PIN entered by the cardholder matches the PIN found through the database search; and performing the transaction by charging the credit card number found during the database search if the transaction is authenticated.
Claim 12
Independent Claim
142 words
A method for completing a credit card transaction in which a cardholder is not required to know a credit card number and is not required to have a credit card physically present during the credit card transaction, the method comprising the steps of: linking an alias, which includes telephone number of the cardholder with a credit card number and a PIN in a database; initiating a transaction when the cardholder attempts to make a purchase and enters the telephone number; searching the database for a PIN and a credit card number linked to the telephone number; prompting the cardholder for entry of a PIN; authenticating the transaction if the PIN entered by the cardholder matches the PIN found through the database search; and performing the transaction by charging the credit card number found during the database search if the transaction is authenticated.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2004-05-07 | 2004-11-06 | 2005-05-08 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2008-05-07 | 2008-11-06 | 2009-05-08 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2012-05-07 | 2012-11-06 | 2013-05-08 | $7700.00 | Window Closed / Lapsed |