Secure and efficient payment processing system
CA 2802886 C · Owner: Cardinalcommerce.Com, Inc. · Inventors: Sherwin, Francis M.; Keresman, Michael A. Iii; Bhagavatula, Ravishankar
Overview
Its claims, description and drawings are in the Canadian Patents Database.
Open the CIPO recordAbstract From the Canadian patent
A method of processing secure transactions over unsecure computer networks (50) between account holders (30) and participating merchants (20) includes generating a number of separate periodically changing non-predictable codes and assigning unique identifiers to a number of account holders (30) such that each identifier is associated with one of the separte periodically changing non-predictable codes. The account holders (30) are provided with tokens (230) that are each synchronized to generate the same periodically changing non-predictable code associated with the unique identifier assigned to the account holder (30) that was provided the token (230). The codes along with identifiers are …
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Listed from its CIPO record in Patent Yard's archive of Canadian patents past their term. Its claims, description and drawings are in the CIPO record and on Google Patents, and the Claude kit works from them.
Why it's free to use
- Filed September 29, 2000 and granted May 1, 2018. A Canadian patent filed from October 1, 1989 lasts 20 years from filing, so its term ended September 29, 2020.
- A certificate of supplementary protection adds at most two years for a drug, so even that would have ended by September 29, 2022.
- We check Canadian rights only. A patent in its family in another country could still be in force: check its family on Google Patents.
Timeline
Timeline From CIPO dates
Sources & verification
Official CIPO records
Everything on this page comes from the CIPO record linked above. Contains information licensed under the Open Government Licence – Canada.