Patent ID: 7627531

Claim:
A computer-implemented method for facilitating a transaction, comprising the steps of: identifying, via a host computer, a primary account of a first party; providing a smart card to the first party, the smart card being associated with the primary account of the first party and having information stored thereon; associating a personal identification number (PIN) with the smart card; receiving a transaction authorization request from a second party associated with a merchant, where the transaction authorization request includes a transaction number generated and associated with the transaction authorization request by, at least: displaying a secondary transaction number icon on a transaction interface system; launching a secondary transaction number application by selecting the icon; interfacing the smart card with the transaction interface system and receiving the PIN from the first party; generating, by at least one of a remote server and the smart card, a transaction number based, at least in part, on the information stored on the smart card; transmitting, by the at least one the remote server and the smart card, the transaction number to the second party; and auto-filling, by the second party, the transaction number into the transaction authorization request; identifying, via the host computer, the primary account of the first party based, at least in part, on the transaction number; authorizing, via the host computer, the transaction authorization request based, at least in part, on the primary account of the first party; and returning an approval message from the host computer to the second party when the transaction authorization request is authorized.