Secure payment service and system for interactive voice response (IVR) systems
원문보기
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06Q-020/08
G06Q-020/10
G06Q-020/12
G06Q-020/20
G06Q-020/36
G06Q-020/40
G06Q-050/12
H04M-003/493
출원번호
US-0297658
(2014-06-06)
등록번호
US-9311630
(2016-04-12)
발명자
/ 주소
Jackson, James
Yasrebi, Mehrad
출원인 / 주소
AT&T INTELLECTUAL PROPERTY
대리인 / 주소
Greenblum & Bernstein, P.L.C.
인용정보
피인용 횟수 :
0인용 특허 :
47
초록▼
A secure payment method includes receiving, by a merchant, a purchase request from a purchaser in a transaction. The merchant requests a payment that is in a specified medium and that is uniquely identified by a unique identification. A merchant computer controlled by the merchant receives the payme
A secure payment method includes receiving, by a merchant, a purchase request from a purchaser in a transaction. The merchant requests a payment that is in a specified medium and that is uniquely identified by a unique identification. A merchant computer controlled by the merchant receives the payment that is in the specified medium and that is uniquely identified by the unique identification. The transaction is authorized by the merchant in response to receiving the payment that is in the specified medium and that is uniquely identified by the unique identification. The specified medium is issued by a private third party.
대표청구항▼
1. A secure payment method, comprising: receiving, by a merchant, a purchase request from a purchaser in a transaction;requesting, by the merchant, a payment that is in a specified form and that is uniquely identified by a unique identification;receiving, at a merchant computer controlled by the mer
1. A secure payment method, comprising: receiving, by a merchant, a purchase request from a purchaser in a transaction;requesting, by the merchant, a payment that is in a specified form and that is uniquely identified by a unique identification;receiving, at a merchant computer controlled by the merchant, the payment that is in the specified form, wherein the payment is uniquely identified by the unique identification; andauthorizing, by the merchant, the transaction in response to receiving the payment that is in the specified form and that is uniquely identified by the unique identification,wherein the specified form is issued by a private third party. 2. The secure payment method of claim 1, wherein the unique identification that uniquely identifies the payment is issued by the private third party. 3. The secure payment method of claim 1, wherein the specified form is electronic information. 4. The secure payment method of claim 1, wherein the private third party is a payment service provider. 5. The secure payment method of claim 1, wherein the transaction is for a purchase of a product. 6. The secure payment method of claim 1, wherein the transaction is for a purchase of a service. 7. The secure payment method of claim 1, wherein the payment is received from the purchaser. 8. The secure payment method of claim 7, wherein the payment is received by the merchant from the purchaser independent of the private third party. 9. The secure payment method of claim 7, wherein the purchaser obtains the payment in the specified form from the private third party and provides the payment to the merchant. 10. The secure payment method of claim 1, wherein the unique identification is a one time use transaction identification. 11. The secure payment method of claim 1, further comprising: exchanging the payment in the specified form for a specified monetary amount. 12. The secure payment method of claim 1, further comprising: confirming, by the merchant computer, the unique identification with the private third party. 13. The secure payment method of claim 12, further comprising: authorizing the transaction after confirming the unique identification with the private third party. 14. The secure payment method of claim 1, further comprising: providing, from the merchant computer, the unique identification to the private third party for validation; andreceiving, by the merchant computer, the unique identification from the purchaser independent of the private third party. 15. The secure payment method according to claim 1, wherein the purchaser uses a communications device to communicate with both the merchant computer and the private third party in order to provide the payment to the merchant. 16. The secure payment method according to claim 1, wherein the merchant computer communicates with the purchaser while the private third party provides the unique identification to the purchaser. 17. The secure payment method according to claim 15, wherein the merchant computer provides the unique identification to the private third party while the merchant computer communicates with the purchaser. 18. The secure payment method according to claim 1, wherein the specified form comprises an electronic token. 19. A tangible non-transitory computer readable storage form that stores a computer program for providing secure payments, the computer program, when executed by a processor, causing a computer apparatus controlled by a merchant to perform a process comprising: receiving a payment that is in a specified form, wherein the payment is uniquely identified by a unique identification; andauthorizing a transaction in response to receiving the payment that is in the specified form and that is uniquely identified by the unique identification,wherein the merchant receives a purchase request from a purchaser in the transaction, and requests the payment that is in the specified form and that is uniquely identified by the unique identification, prior to the computer apparatus receiving the payment that is in the specified form and that is uniquely identified by the unique identification, andwherein the specified form is issued by a private third party. 20. A computer apparatus controlled by a merchant, comprising: a memory that stores instructions for securing payments, anda processor that executes the instructions,wherein, when executed by the processor, the instructions cause the processor to perform operations comprising:receiving a payment that is in a specified form, where the payment is uniquely identified by a unique identification; andauthorizing a transaction in response to receiving the payment that is in the specified form and that is uniquely identified by the unique identification,wherein the merchant receives a purchase request from a purchaser in the transaction, and requests the payment that is in the specified form and that is uniquely identified by the unique identification, prior to the computer apparatus receiving the payment that is in the specified form and that is uniquely identified by the unique identification, andwherein the specified form is issued by a private third party.
연구과제 타임라인
LOADING...
LOADING...
LOADING...
LOADING...
LOADING...
이 특허에 인용된 특허 (47)
Freese David E. (35 Baroness La. Laguna Niguel CA 92677) Miller David A. (25652 Rimgate Dr. Apt. #13A El Toro CA 92630) Nielsen Mark J. (6533 N. Campbell Chicago IL 60645), Cellular telephone call administration system.
Chakiris, Philip M.; Smith, Merrill Brooks; Graves, Phillip Craig, Inserting value into customer account at point of sale using a customer account identifier.
Bartoli Paul D. ; Griesmer Stephen J. ; Lidor Gideon ; Ronen Yzhak ; Tessier Jean, Method and apparatus for billing for transactions conducted over the internet.
Gusler, Carl Phillip; Hamilton, II, Rick Allen; Lipton, Steven Jay; Seaman, James Wesley, Method and system for dissemination of paperless transaction receipts in non-networked environments.
Howard B. Katz ; Daniel E. Boerner, Method and system for transferring telecommunication-time units among accounts and exchanging same for goods or services.
Cooper, Nathaniel; Hodecker, Steven; Yeager, Douglas, Method of authentication processing during a single sign on transaction via a content transform proxy service.
Talbert, Vincent W.; Keithley, Thomas H.; Hirschfeld, Daniel A.; Lavelle, Mark L., Method, system and apparatus for providing a variable credit account to a consumer.
Fox, Barbara L.; Waters, Lester L.; Spelman, Jeffrey F.; Seidensticker, Robert B.; Thomlinson, Matthew W., System and method for secure electronic commerce transaction.
Woodhill, James R., System and method of using the public switched telephone network in providing authentication or authorization for online transactions.
Nakatsu Kenneth Tsutomu,CAX ; Brett Michael Edward,CAX ; Love William Gerald,CAX ; de Silva Suran Sam,CAX ; Wu Jean,CAX, Telephony based delivery system of messages containing selected greetings.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.