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Published March 15, 2000 | Published
Patent Open

Anonymous credit card transactions


Techniques for performing credit-card transactions without disclosing the subject matter of the transaction to the institution providing the credit card. The techniques include the use of a communications exchange so that information and funds may be transferred without the destination for the transfer knowing the source of the information or funds and the use of public key encryption so that each party to the transaction and the communications exchange can read only the information the party or the exchange needs for its role in the transaction. Also disclosed are techniques for authenticating a card holder by receiving personal information from the card holder, using the information to ask the card holder one or more questions, and using the answers to authenticate the card holder.

Additional Information

Publication number EP0662673B1. Publication type EP Grant. Publication date March 15, 2000. Application number EP0662673A2 (Application); EP0662673A3 (Application); US5420926A. Filing date December 14, 1994. Priority date January 5, 1994.

Attached Files

Published - EP0662673B1.pdf

Published - US5420926A.pdf


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