The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 07, 2008
Filed:
Jan. 05, 2005
Trey Neemann, Glendale, AZ (US);
Fred Bishop, Glendale, AZ (US);
Michael Barrett, Phoenix, AZ (US);
David Armes, Phoenix, AZ (US);
Trey Neemann, Glendale, AZ (US);
Fred Bishop, Glendale, AZ (US);
Michael Barrett, Phoenix, AZ (US);
David Armes, Phoenix, AZ (US);
American Express Travel Related Services Co., Inc., New York, NY (US);
Abstract
To process a commercial transaction, a merchant receives a card payment request from a customer. The merchant redirects the customer to the card issuer. The authorization computer of the card issuer communicates with the customer and authenticates the identity of the customer as the true cardholder of the card presented for payment. In a first embodiment, the merchant submits an authorization request in response to a card payment request to the authorization computer. The merchant receives an authorization confirmation from the authorization computer upon authentication of the identity of the cardholder. In a second embodiment, the customer receives an authorization confirmation from the authorization computer upon the authentication of the identity of the cardholder. The customer then submits the authorization confirmation to the merchant. The merchant, in turn, confirms the authorization confirmation with the authorization computer.