WO2001043084A3 - Method of masking the identity of a purchaser during a credit transaction - Google Patents

Method of masking the identity of a purchaser during a credit transaction Download PDF

Info

Publication number
WO2001043084A3
WO2001043084A3 PCT/US2000/042592 US0042592W WO0143084A3 WO 2001043084 A3 WO2001043084 A3 WO 2001043084A3 US 0042592 W US0042592 W US 0042592W WO 0143084 A3 WO0143084 A3 WO 0143084A3
Authority
WO
WIPO (PCT)
Prior art keywords
alias
purchaser
account
credit
masking
Prior art date
Application number
PCT/US2000/042592
Other languages
French (fr)
Other versions
WO2001043084A2 (en
Inventor
Ted A Pielemeier
Lance T Steinberger
Rolfe M Philip
Original Assignee
Ted A Pielemeier
Lance T Steinberger
Rolfe M Philip
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ted A Pielemeier, Lance T Steinberger, Rolfe M Philip filed Critical Ted A Pielemeier
Priority to AU47118/01A priority Critical patent/AU4711801A/en
Publication of WO2001043084A2 publication Critical patent/WO2001043084A2/en
Publication of WO2001043084A3 publication Critical patent/WO2001043084A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

A method of masking the identity of a purchaser (30) during a credit transaction. The method includes the steps of establishing an alias credit account associated with the purchaser. The alias credit account includes an alias name and alias account number. The purchaser buys a selected item by utilizing the alias credit account. The alias account is then verified as a valid account having adequate credit to purchase the selected item. Next, the alias account is associated with the purchaser. The selected item may then be delivered to an alias address allowing pickup of the selected item by the purchaser or to his home address without the merchant knowing the purchaser's home address or the shipper knowing the nature of the item.
PCT/US2000/042592 1999-12-06 2000-12-05 Method of masking the identity of a purchaser during a credit transaction WO2001043084A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU47118/01A AU4711801A (en) 1999-12-06 2000-12-05 Method of masking the identity of a purchaser during a credit transaction

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US45528999A 1999-12-06 1999-12-06
US09/455,289 1999-12-06

Publications (2)

Publication Number Publication Date
WO2001043084A2 WO2001043084A2 (en) 2001-06-14
WO2001043084A3 true WO2001043084A3 (en) 2002-02-14

Family

ID=23808202

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2000/042592 WO2001043084A2 (en) 1999-12-06 2000-12-05 Method of masking the identity of a purchaser during a credit transaction

Country Status (2)

Country Link
AU (1) AU4711801A (en)
WO (1) WO2001043084A2 (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7756816B2 (en) 2002-10-02 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for network-based project management
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
US9374366B1 (en) 2005-09-19 2016-06-21 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10275780B1 (en) 1999-11-24 2019-04-30 Jpmorgan Chase Bank, N.A. Method and apparatus for sending a rebate via electronic mail over the internet
US6867789B1 (en) 2000-02-15 2005-03-15 Bank One, Delaware, National Association System and method for generating graphical user interfaces
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
WO2003027798A2 (en) * 2001-09-21 2003-04-03 First Usa Bank, N.A. Method for providing cardless payment
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US8793490B1 (en) 2006-07-14 2014-07-29 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
GB2446179B (en) * 2007-02-01 2011-08-31 Monitise Group Ltd Methods and a System for Providing Transaction Related Information
US9608826B2 (en) 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
US10535064B2 (en) 2012-03-19 2020-01-14 Paynet Payments Network, Llc Systems and methods for real-time account access
EP2828810A4 (en) * 2012-03-19 2015-05-06 Paynet Payments Network Llc Systems and methods for real-time account access
AU2014256396B2 (en) * 2013-11-15 2020-08-20 Fidelity Information Services, Llc Systems and methods for real-time account access
US10148726B1 (en) 2014-01-24 2018-12-04 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0725376A2 (en) * 1995-02-06 1996-08-07 Sony Corporation Charging method and charging system in interactive on-line service
WO1996038801A1 (en) * 1995-06-01 1996-12-05 American Express Trs Methods and apparatus for providing a prepaid, remote entry customer account
WO1997010560A1 (en) * 1995-09-14 1997-03-20 Cybermark, L.L.C. Stored value transaction system and method using anonymous account numbers
WO1998025237A1 (en) * 1996-12-06 1998-06-11 American Express Travel Related Services Company, Inc. Methods and apparatus for regenerating a prepaid transaction account
WO1998030985A2 (en) * 1997-01-06 1998-07-16 Aerotel Ltd. Computerized money transfer system
US5953710A (en) * 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
US5956699A (en) * 1996-10-03 1999-09-21 Jaesent Inc. System for secured credit card transactions on the internet
WO1999049424A1 (en) * 1998-03-25 1999-09-30 Orbis Patents Limited Credit card system and method

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4055746A (en) 1969-11-07 1977-10-25 Glen Peterson Method of and apparatus for securing and storing personal information
US5224162A (en) 1991-06-14 1993-06-29 Nippon Telegraph And Telephone Corporation Electronic cash system
US5420926A (en) 1994-01-05 1995-05-30 At&T Corp. Anonymous credit card transactions
US5889862A (en) 1995-07-17 1999-03-30 Nippon Telegraph And Telephone Corporation Method and apparatus for implementing traceable electronic cash

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0725376A2 (en) * 1995-02-06 1996-08-07 Sony Corporation Charging method and charging system in interactive on-line service
WO1996038801A1 (en) * 1995-06-01 1996-12-05 American Express Trs Methods and apparatus for providing a prepaid, remote entry customer account
WO1997010560A1 (en) * 1995-09-14 1997-03-20 Cybermark, L.L.C. Stored value transaction system and method using anonymous account numbers
US5956699A (en) * 1996-10-03 1999-09-21 Jaesent Inc. System for secured credit card transactions on the internet
US5953710A (en) * 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
WO1998025237A1 (en) * 1996-12-06 1998-06-11 American Express Travel Related Services Company, Inc. Methods and apparatus for regenerating a prepaid transaction account
WO1998030985A2 (en) * 1997-01-06 1998-07-16 Aerotel Ltd. Computerized money transfer system
WO1999049424A1 (en) * 1998-03-25 1999-09-30 Orbis Patents Limited Credit card system and method

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
US7756816B2 (en) 2002-10-02 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for network-based project management
US9374366B1 (en) 2005-09-19 2016-06-21 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication

Also Published As

Publication number Publication date
WO2001043084A2 (en) 2001-06-14
AU4711801A (en) 2001-06-18

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