Patent US6341724B2 successfully refreshed from Google Patents.
US6341724B2
Expired / Lapsed
US
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Cardless payment system
Assignee: JPMorgan Chase Bank NA
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Filing: 2001-01-11
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Granted: 2002-01-29
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Expires: 2021-01-11
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
2026-11-08 02:21
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/30; G06Q20/305; G06Q20/04; G06Q20/38; G06Q20/385
Claims Analysis
Total Claims: 27
Claim 1
Independent Claim
65 words
A method for assigning an alias to an existing account, the method comprising: offering an alias to an account holder of the existing account; receiving a telephone call from the account holder in response to the offer; linking the telephone number from which the account holder is calling to the account holder's identity; and updating the account information in the database to incorporate the alias.
Claim 2
Independent Claim
65 words
A method for assigning an alias to an existing account, the method comprising: offering an alias to an account holder of the existing account; receiving a telephone call from the account holder in response to the offer; linking the telephone number from which the account holder is calling to the account holder's identity; and updating the account information in the database to incorporate the alias.
Claim 3
Dependent Claim
17 words
The method of claim 1 , further comprising selecting the account holder's telephone number as the alias.
Claim 4
Dependent Claim
39 words
The method of claim 1 , further comprising receiving a telephone call from the account holder's telephone number in response to the offer in order to link the telephone number of the account holder to the account holder's identity.
Claim 5
Dependent Claim
20 words
The method of claim 1 , further comprising allowing the account holder to select the alias and a security indicator.
Claim 6
Dependent Claim
23 words
The method of claim 4 , wherein the alias and the security indicator comprise letters, numbers, or a combination of letters and numbers.
Claim 7
Dependent Claim
22 words
The method of claim 1 , wherein the account holder is a credit cardholder and the transaction is a credit card transaction.
Claim 8
Dependent Claim
28 words
The method of claim 1 , wherein the account holder is a debit or stored value card holder and the transaction is a debit or stored value transaction.
Claim 9
Independent Claim
111 words
A method for using an alias assigned to an account to complete a transaction, the method comprising the steps of: receiving information including the alias instead of an account number from an account holder at a point of purchase location, wherein the alias is cross-referenced with an account number in a database; accesssing the database to retrieve account information linked to the alias; authenticating the transaction if the retrieved account information matches the received information; completing the transaction by charging the transaction to the account number of an appropriate account holder based on the retrieved information; and repeating use of the alias in multiple transactions or in transactions with multiple merchants.
Claim 10
Independent Claim
111 words
A method for using an alias assigned to an account to complete a transaction, the method comprising the steps of: receiving information including the alias instead of an account number from an account holder at a point of purchase location, wherein the alias is cross-referenced with an account number in a database; accesssing the database to retrieve account information linked to the alias; authenticating the transaction if the retrieved account information matches the received information; completing the transaction by charging the transaction to the account number of an appropriate account holder based on the retrieved information; and repeating use of the alias in multiple transactions or in transactions with multiple merchants.
Claim 11
Dependent Claim
13 words
The method of claim 6 , wherein the alias is a telephone number.
Claim 12
Dependent Claim
14 words
The method of claim 6 , wherein the transaction is a credit card transaction.
Claim 13
Dependent Claim
26 words
The method of claim 8 , wherein receiving information at a point of purchase location comprises receiving information via one of telephone, computer and in-person communication.
Claim 14
Independent Claim
107 words
A method for completing a transaction using an alias assigned to an existing account, the method comprising: receiving a telephone call from an account holder of the existing account from an originating telephone number, wherein the originating telephone number is the alias; receiving a security indicator from the account holder; identifying the originating telephone number as the alias upon receiving the telephone call; finding a matching account number by linking the originating telephone number and the security indicator to the existing account by referencing a database; and completing the transaction during the telephone call upon successfully linking the security indicator and telephone number to the existing account.
Claim 15
Independent Claim
107 words
A method for completing a transaction using an alias assigned to an existing account, the method comprising: receiving a telephone call from an account holder of the existing account from an originating telephone number, wherein the originating telephone number is the alias; receiving a security indicator from the account holder; identifying the originating telephone number as the alias upon receiving the telephone call; finding a matching account number by linking the originating telephone number and the security indicator to the existing account by referencing a database; and completing the transaction during the telephone call upon successfully linking the security indicator and telephone number to the existing account.
Claim 16
Dependent Claim
22 words
The method of claim 12 , wherein the account holder is a credit cardholder and the transaction is a credit card transaction.
Claim 17
Dependent Claim
28 words
The method of claim 12 , wherein the account holder is a debit or stored value card holder and the transaction is a debit or stored value transaction.
Claim 18
Dependent Claim
13 words
The method of claim 12 , wherein the security indicator is a PIN.
Claim 19
Independent Claim
111 words
A method of completing a financial transaction in which a user is not required to know a user account number or to present a card bearing the account number, the method comprising the steps of: allowing a user to select an alias to be associated with the user account number; linking the user-selected alias with the user account number in a database; receiving a user request to initiate a financial transaction and receiving the user-selected alias instead of the user account number; retrieving the user account number linked to the user-selected alias in the database; and completing the financial transaction upon receiving the user request and retrieving the user account number.
Claim 20
Independent Claim
111 words
A method of completing a financial transaction in which a user is not required to know a user account number or to present a card bearing the account number, the method comprising the steps of: allowing a user to select an alias to be associated with the user account number; linking the user-selected alias with the user account number in a database; receiving a user request to initiate a financial transaction and receiving the user-selected alias instead of the user account number; retrieving the user account number linked to the user-selected alias in the database; and completing the financial transaction upon receiving the user request and retrieving the user account number.
Claim 21
Dependent Claim
41 words
The method of claim 16 , further comprising the step of authenticating the financial transaction by linking a security identifier to the alias and the account number and receiving the security identifier from the user upon initiation of the financial transaction.
Claim 22
Dependent Claim
15 words
The method of claim 17 , wherein the security identifier comprises a personal identification number.
Claim 23
Dependent Claim
18 words
The method of claim 16 , wherein the transaction is a credit card or a debit card transaction.
Claim 24
Dependent Claim
16 words
The method of claim 16 , further comprising allowing the user to select a security indicator.
Claim 25
Dependent Claim
23 words
The method of claim 20 , wherein the alias and the security indicator comprise letters, numbers, or a combination of letters and numbers.
Claim 26
Dependent Claim
21 words
The method of claim 16 , wherein the user is a credit cardholder and the transaction is a credit card transaction.
Claim 27
Dependent Claim
27 words
The method of claim 16 , wherein the user is a debit or stored value card holder and the transaction is a debit or stored value transaction.
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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) | 2005-01-28 | 2005-07-30 | 2006-01-29 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2009-01-28 | 2009-07-30 | 2010-01-29 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2013-01-28 | 2013-07-30 | 2014-01-29 | $7700.00 | Window Closed / Lapsed |