PROVIDING CONSUMER CREDIT CARD SERVICES

Brand	Owner (click to sort)	Address	Description
1-800-CREDITLAND	Creditland, Inc.	321 11th Street San Francisco CA 94103	providing consumer credit card services, by allowing consumers to apply for any one of a number of credit cards from various companies and financial institutions;1 800 CREDIT LAND;
CHRISTIAN PURCHASING NETWORK	CHRISTIAN PURCHASING NETWORK, INC.	3231 Gulf Gate Drive Sarasota FL 34231	providing consumer credit card services for the purchase of goods and services of others;
CPN	CHRISTIAN PURCHASING NETWORK, INC.	3231 Gulf Gate Drive Sarasota FL 34231	providing consumer credit card services for the purchase of goods and services of others;
CPN CHRISTIAN PURCHASING NETWORK	CHRISTIAN PURCHASING NETWORK, INC.	3231 Gulf Gate Drive Sarasota FL 34231	providing consumer credit card services for the purchase of goods and services of others;
	Where the owner name is not linked, that owner no longer owns the brand

Technical Examples

The invention comprises online methods, systems, and software for improving the processing of payments from financial accounts, particularly credit and debit card payments made from consumers to merchants in online transactions. The preferred embodiment of the invention involves inserting a trusted third party online service into the payment authorization process. The trusted third party authenticates the consumer and authorizes the proposed payment in a single integrated process conducted without the involvement of the merchant. The authentication of the consumer is accomplished over a persistent communication channel established with the consumer before a purchase is made. The authentication is done by verifying that the persistent channel is open when authorization is requested. Use of the third party services allows the consumer to avoid revealing his identity and credit card number to the merchant over a public network such as the Internet, while maintaining control of the transaction during the authorization process.