System and method for conducting secure financial transactions

System and method for conducting secure financial transactions

A system and method for conducting secure card-present debit and credit card electronic financial transactions involving no swiping or inserting or imprinting a card are provided. The method includes identifying, by a computing system, a first payment source account held by a card holder; receiving,...

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1. Verfasser: Kolchin, Dmitriy
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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creator Kolchin, Dmitriy
description A system and method for conducting secure card-present debit and credit card electronic financial transactions involving no swiping or inserting or imprinting a card are provided. The method includes identifying, by a computing system, a first payment source account held by a card holder; receiving, by computing system, transaction data associated with a transaction initiated by the card holder with a merchant using the first payment source account, the transaction having a transaction amount; requesting, by a computing system, via a first network a first transfer of the transaction amount from the first payment source account within a predetermined time; determining a "card-present" status; storing the meta data associated with the transaction in a database wherein the meta data includes at least the card-present status; and transferring the transaction amount to pay the merchant.
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subjects CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
title System and method for conducting secure financial transactions
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