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:
Jun. 15, 2010
Filed:
Oct. 05, 2006
Sivakumar Jambunathan, Round Rock, TX (US);
Indran Naick, Cedar Park, TX (US);
Cheranellore Vasudevan, Austin, TX (US);
Sivakumar Jambunathan, Round Rock, TX (US);
Indran Naick, Cedar Park, TX (US);
Cheranellore Vasudevan, Austin, TX (US);
International Business Machines Corporation, Armonk, NY (US);
Abstract
Generally speaking, methods and media for authorizing a guest to use an electronic financial transaction card, such as a credit card or debit card, are disclosed. Embodiments may include receiving information about a desired guest transaction (which may be limited in size, timeframe, nature, etc.) from a customer associated with an EFT card, generating a guest PIN number and artifact information for the guest transaction, and transmitting them to the customer. Embodiments may also include receiving from a financial terminal a PIN number and an indication of a supplied artifact associated with a proposed transaction utilizing the EFT card. Embodiments may include determining whether the proposed transaction should be authorized based on the received PIN number and the supplied artifact and, in response to determining that the proposed transaction should be authorized, transmitting approval of the proposed transaction to the financial terminal.