Cardinalcommerce Corporation

Chandra A Balasubramanian

Michael A Keresman, Iii

Andrew J Hartridge

A method and apparatus for conducting a commercial transaction over the Internet or other network connection are provided. Random numbers, which are unique for each user session, are pre-loaded onto a handheld, portable device, or token The random numbers are generated by external systems and delivered to the token for storage an internal memory and to a database accessible by an authentication system. The random numbers are dispensed by the token to a user by pressing a button on the token or otherwise signaling the token. A dispensed number is cross referenced, by the authentication system, to the database. The dispensed number authenticates the user or transaction.

Growing community of inventors

University Heights, OH, United States of America

Chandra A Balasubramanian