Patent ID: 7292999
Filing Date: 2007-11-06
Classification: G06Q

Abstract:
1. An online card present transaction method comprising: detecting, from a host system, the presence of a smart card reader connected to a client computer; presenting to a user a payment option for using a smart card for payment in response to the detection of the smart card reader; receiving, from said client computer, a selection by said user of said payment option; transmitting, to said client computer, a challenge string in response to said selection by said user, wherein said challenge string prompts said user to insert a smart card into said smart card reader, wherein said smart card stores a digital certificate; receiving, at said host system, a copy of said digital certificate and a signed challenge string from said client computer, wherein said challenge string is signed to create the signed challenge string and said digital certificate is accessed in response to the user entering a Personal Identification Number (PIN); authenticating, at said host system, said smart card using said signed challenge string and said copy of said digital certificate; generating, at said host system, a secondary transaction account number, wherein said secondary transaction account number is valid for a single purchase transaction; associating, at said host system, said secondary transaction account number with said transaction account of said user; and, communicating, by said host system, said secondary transaction account number over said authenticated communication channel to a merchant, wherein said merchant submits a payment request based on said secondary transaction account number.