Patent ID: 7873580

Claim:
A system comprising a merchant computer for receiving online card present transactions and a host computer, said merchant computer programmed to: detect a presence of a smart card reader connected to a client computer by a merchant computer; present said client computer with a payment option for using a smart card for payment in response to said detection of said smart card reader; receive a selection of said payment option; redirect said client computer to a website of a host computer in response to said detection; and receive account information including a secondary transaction account code from said host computer over an authenticated communication channel, wherein said account information and said secondary transaction account code facilitates completion of a transaction; said host computer programmed to: prompt to insert a smart card into said smart card reader; receive a digital certificate from said smart card; generate said secondary transaction account code based on authentication of said digital certificate, wherein said secondary transaction account code is valid for a single purchase transaction; associate said secondary transaction account code with a primary account code; and communicate said secondary transaction account code to said client computer, wherein said client computer submits a payment request based on said secondary transaction account code.