System for providing cardless payment

US7103576B2 · kind B2 · utility

Assignee

• First USA Bank, N.A. · US

Inventors

• William F. Mann · Avondale, US
• Jeffrey L. Hirka · Wegberg, DE

Key dates

• Filing date: Sep 21, 2001
• Grant date: Sep 5, 2006
• Expiry date: Dec 11, 2023

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/1075
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.