Patent ID: 7933842

Claim:
An online card-present transaction method, comprising: transmitting, by a client computer-based system for facilitating said on-line card-present transaction, and to a merchant computer, a request to facilitate a transaction with a merchant; receiving, by said client computer-based system, a payment option for using a smart card for payment, wherein said receiving is in response to said merchant computer detecting a presence of a smart card reader connected to said client computer-based system, and wherein said receiving is in response to said merchant computer presenting said client computer-based system with a payment option for using a smart card for payment; transmitting, by said client computer-based system, a selection of said payment option; receiving, by said client computer-based system, a prompt from said merchant computer to insert said smart card into a smart card reader; and transmitting, by said client computer-based system, a digital certificate from said smart card to a host computer via said merchant computer, wherein said host computer retrieves a primary transaction account code associated with said digital certificate, wherein said host computer generates a secondary transaction account code, and wherein said host computer transmits said secondary transaction account code to said merchant computer.