Is a
Patent attributes
Patent Jurisdiction
Patent Number
Patent Inventor Names
Mark Linehan0
Date of Patent
July 29, 2008
Patent Application Number
10622058
Date Filed
July 17, 2003
Patent Citations Received
0
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Patent Primary Examiner
Patent abstract
A method, system, program, and method of doing business are disclosed for electronic commerce that includes the feature of a “thin” consumer's wallet by providing issuers with an active role in each payment. This is achieved by adding an issuer gateway and moving the credit/debit card authorization function from the merchant to the issuer. This enables an issuer to independently choose alternate authentication mechanisms without changing the acquirer gateway. It also results in a significant reduction in complexity, thereby improving the ease of implementation and overall performance.
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