PROVIDING CONSUMER CREDIT MONITORING SERVICES

Brand	Owner (click to sort)	Address	Description
ARE YOU THE ONLY YOU?	FISERV, INC.	255 Fiserv Drive Brookfield WI 53045	Providing consumer credit monitoring services;
I AM THE ONLY ME	FISERV, INC.	255 Fiserv Drive Brookfield WI 53045	Providing consumer credit monitoring services;
YOU ARE THE ONLY YOU	FISERV, INC.	255 Fiserv Drive Brookfield WI 53045	Providing consumer credit monitoring services;
	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.