Patent ID: 7415443

Claim:
An online card present transaction method compnsing: generating an encrypted host computer signature; embedding said signature in a browsing window; directing said browsing window to a merchant, wherein said merchant authenticates an identity of said host computer by decrypting said host computer signature; detecting, by a host computer, 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 a selection by said user of said payment option; prompting said user to insert a smart card into said smart card reader; receiving a digital certificate from said smart card; generating a secondary transaction account number based on authentication of said digital certificate, wherein said secondary transaction account number is valid for a single purchase transaction; associating said secondary transaction account number with said transaction account of said user; and, communicating 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.