American Express Travel Related Services Company, Inc.

Sohail M Hussain

Carol Lee Hobson

Fred Alan Bishop

David Armes

Elliott Glazer

Dirk B White

Jeff S Fehlhaber

Margaret C Mitchell

Gabriella P Fitzgerald

Jessica Zoob

Lydia C Breck

Trey Neeman

Leah M Sweet

An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via an authentication device. The host system, after authenticating a user is configured to retrieve the user's account information from a user database system and translate a user account number into a temporary transaction number. The temporary transaction number is then transmitted directly from the host system to the merchant, thereby eliminating the need for the user to send to the merchant over the internet, the user's transaction account number.

Online card present transaction

The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.

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Scottsdale, AZ, United States of America

Sohail M Hussain