Methods and apparatus for conducting electronic transactions

US7801827B2 · kind B2 · utility

Assignee

• American Express Travel Related Services Company, Inc. · US

Inventors

• Fred Bishop · Glendale, US
• Elliot Glazer · Midlothian, US
• Zygmunt Steven Gorgol · Scottsdale, US
• William G. Hohle · Lehi, US
• Michael G. Johnson · Hopatcong, US
• David E. Johnstone · Cave Creek, US
• Walter Donald Lake · Gilbert, US
• Coby Royer · University City, US
• Marvin Simkin · Phoenix, US
• Nick Swift · Reading, GB
• Dirk White · Glendale, US
• Russell Bennett · Cornville, US

Key dates

• Filing date: Apr 9, 2004
• Grant date: Sep 21, 2010
• Expiry date: Apr 9, 2024

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/1008
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.