Patent ID: 7873579

Claim:
An online card present transaction method comprising: detecting a presence of a smart card reader connected to a client computer by a merchant computer; presenting said client computer with a payment option for using a smart card for payment in response to said detection of said smart card reader; receiving a selection of said payment option; redirecting said client computer to a website of a host computer in response to said detection, wherein said host computer: prompts to insert a smart card into said smart card reader; receives a digital certificate from said smart card; generates a secondary transaction account code based on authentication of said digital certificate, wherein said secondary transaction account code is valid for a single purchase transaction; associates said secondary transaction account code with a primary transaction account code; and, communicates said secondary transaction account code to said client computer, wherein a payment request is submitted based on said secondary transaction account code; and receiving account information including said 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.