WO2005072382A3 - System and method for secure telephone and computer transactions - Google Patents

System and method for secure telephone and computer transactions Download PDF

Info

Publication number
WO2005072382A3
WO2005072382A3 PCT/US2005/002591 US2005002591W WO2005072382A3 WO 2005072382 A3 WO2005072382 A3 WO 2005072382A3 US 2005002591 W US2005002591 W US 2005002591W WO 2005072382 A3 WO2005072382 A3 WO 2005072382A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
computer
access control
secure
secure telephone
Prior art date
Application number
PCT/US2005/002591
Other languages
French (fr)
Other versions
WO2005072382A2 (en
Inventor
John Wankmueller
Original Assignee
Mastercard International Inc
John Wankmueller
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US10/764,099 external-priority patent/US7360694B2/en
Application filed by Mastercard International Inc, John Wankmueller filed Critical Mastercard International Inc
Priority to BRPI0507070-8A priority Critical patent/BRPI0507070A/en
Priority to AU2005208908A priority patent/AU2005208908B2/en
Priority to CA002554173A priority patent/CA2554173A1/en
Priority to JP2006551471A priority patent/JP2007523405A/en
Priority to EP05706112A priority patent/EP1709566A4/en
Publication of WO2005072382A2 publication Critical patent/WO2005072382A2/en
Publication of WO2005072382A3 publication Critical patent/WO2005072382A3/en
Priority to IL176961A priority patent/IL176961A0/en
Priority to ZA2006/06715A priority patent/ZA200606715B/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/22—Procedures used during a speech recognition process, e.g. man-machine dialogue

Abstract

A secure electronic payment system and method for conducting a secure transaction (120) using authentication is provided. A merchant's computer (104) transmits an authorization request to an access control server (112). The access control (112) obtains authentication (130) to confirm the identity of the purchaser (102), via e.g., an electronic form or interactive voice response system. The access control server (112) then transmits a response to the merchant's computer. If the purchaser (102) is authorized to access the account, payment is processed by the merchant (104) and the transaction (102) is completed.
PCT/US2005/002591 2004-01-23 2005-01-24 System and method for secure telephone and computer transactions WO2005072382A2 (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
BRPI0507070-8A BRPI0507070A (en) 2004-01-23 2005-01-24 methods for conducting a secure financial transaction and systems for conducting a secure financial transaction between a merchant and an account owner
AU2005208908A AU2005208908B2 (en) 2004-01-23 2005-01-24 System and method for secure telephone and computer transactions
CA002554173A CA2554173A1 (en) 2004-01-23 2005-01-24 System and method for secure telephone and computer transactions
JP2006551471A JP2007523405A (en) 2004-01-23 2005-01-24 System and method for secure telephone and computer transactions
EP05706112A EP1709566A4 (en) 2004-01-23 2005-01-24 System and method for secure telephone and computer transactions
IL176961A IL176961A0 (en) 2004-01-23 2006-07-19 System and method for secure telephone and computer transactions
ZA2006/06715A ZA200606715B (en) 2004-01-23 2006-08-14 System and method for secure telephone and computer transactions

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US53876104P 2004-01-23 2004-01-23
US10/764,099 US7360694B2 (en) 2003-01-23 2004-01-23 System and method for secure telephone and computer transactions using voice authentication
US60/538,761 2004-01-23
US10/764,099 2004-01-23

Publications (2)

Publication Number Publication Date
WO2005072382A2 WO2005072382A2 (en) 2005-08-11
WO2005072382A3 true WO2005072382A3 (en) 2006-01-19

Family

ID=34830467

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/002591 WO2005072382A2 (en) 2004-01-23 2005-01-24 System and method for secure telephone and computer transactions

Country Status (8)

Country Link
EP (1) EP1709566A4 (en)
JP (1) JP2007523405A (en)
KR (1) KR20060135726A (en)
AU (1) AU2005208908B2 (en)
BR (1) BRPI0507070A (en)
CA (1) CA2554173A1 (en)
IL (1) IL176961A0 (en)
WO (1) WO2005072382A2 (en)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8359274B2 (en) 2010-06-04 2013-01-22 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
US9443253B2 (en) 2009-07-27 2016-09-13 Visa International Service Association Systems and methods to provide and adjust offers
US9466075B2 (en) 2011-09-20 2016-10-11 Visa International Service Association Systems and methods to process referrals in offer campaigns
US9477967B2 (en) 2010-09-21 2016-10-25 Visa International Service Association Systems and methods to process an offer campaign based on ineligibility
US9558502B2 (en) 2010-11-04 2017-01-31 Visa International Service Association Systems and methods to reward user interactions

Families Citing this family (21)

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DE102005061632B4 (en) * 2005-12-19 2015-11-19 T-Online International Ag Method and apparatus for authorization
EP1999715A4 (en) 2006-03-02 2014-07-09 Visa Int Service Ass Method and system for performing two factor authentication in mail order and telephone order transactions
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
CN106936587B (en) * 2006-06-19 2020-05-12 维萨美国股份有限公司 Consumer authentication system and method
US9154598B2 (en) 2007-03-16 2015-10-06 Thomson Licensing Call interception at a base station
US10546332B2 (en) * 2010-09-21 2020-01-28 Visa International Service Association Systems and methods to program operations for interaction with users
US9697520B2 (en) 2010-03-22 2017-07-04 Visa U.S.A. Inc. Merchant configured advertised incentives funded through statement credits
US9972021B2 (en) 2010-08-06 2018-05-15 Visa International Service Association Systems and methods to rank and select triggers for real-time offers
US9679299B2 (en) 2010-09-03 2017-06-13 Visa International Service Association Systems and methods to provide real-time offers via a cooperative database
US10055745B2 (en) 2010-09-21 2018-08-21 Visa International Service Association Systems and methods to modify interaction rules during run time
US10438299B2 (en) 2011-03-15 2019-10-08 Visa International Service Association Systems and methods to combine transaction terminal location data and social networking check-in
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US10380617B2 (en) 2011-09-29 2019-08-13 Visa International Service Association Systems and methods to provide a user interface to control an offer campaign
US10290018B2 (en) 2011-11-09 2019-05-14 Visa International Service Association Systems and methods to communicate with users via social networking sites
US10497022B2 (en) 2012-01-20 2019-12-03 Visa International Service Association Systems and methods to present and process offers
US10672018B2 (en) 2012-03-07 2020-06-02 Visa International Service Association Systems and methods to process offers via mobile devices
US10489754B2 (en) 2013-11-11 2019-11-26 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10419379B2 (en) 2014-04-07 2019-09-17 Visa International Service Association Systems and methods to program a computing system to process related events via workflows configured using a graphical user interface
US20150317630A1 (en) * 2014-04-30 2015-11-05 MasterCard Incorporated International Method and system for authentication token generation
US10354268B2 (en) 2014-05-15 2019-07-16 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
US11210669B2 (en) 2014-10-24 2021-12-28 Visa International Service Association Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation

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US6266640B1 (en) * 1996-08-06 2001-07-24 Dialogic Corporation Data network with voice verification means
WO2002071176A2 (en) * 2001-03-08 2002-09-12 Cyota Inc. Transaction system

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NL1001387C2 (en) * 1995-10-10 1997-04-11 Nederland Ptt Facilitating unit for aiding ordering and payment of services
GB2366432A (en) * 2000-09-04 2002-03-06 Sonera Smarttrust Oy Secure electronic payment system
US20020116333A1 (en) * 2001-02-20 2002-08-22 Mcdonnell Joseph A. Method of authenticating a payment account user
JP2002366869A (en) * 2001-06-11 2002-12-20 Sony Corp Electronic commerce assisting method and electronic commerce method using the same
US7707120B2 (en) * 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service

Patent Citations (2)

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Publication number Priority date Publication date Assignee Title
US6266640B1 (en) * 1996-08-06 2001-07-24 Dialogic Corporation Data network with voice verification means
WO2002071176A2 (en) * 2001-03-08 2002-09-12 Cyota Inc. Transaction system

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9443253B2 (en) 2009-07-27 2016-09-13 Visa International Service Association Systems and methods to provide and adjust offers
US8359274B2 (en) 2010-06-04 2013-01-22 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
US8407148B2 (en) 2010-06-04 2013-03-26 Visa U.S.A. Inc. Systems and methods to provide messages in real-time with transaction processing
US9324088B2 (en) 2010-06-04 2016-04-26 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
US9477967B2 (en) 2010-09-21 2016-10-25 Visa International Service Association Systems and methods to process an offer campaign based on ineligibility
US9558502B2 (en) 2010-11-04 2017-01-31 Visa International Service Association Systems and methods to reward user interactions
US9466075B2 (en) 2011-09-20 2016-10-11 Visa International Service Association Systems and methods to process referrals in offer campaigns

Also Published As

Publication number Publication date
EP1709566A4 (en) 2007-07-18
IL176961A0 (en) 2006-12-10
KR20060135726A (en) 2006-12-29
AU2005208908A1 (en) 2005-08-11
BRPI0507070A (en) 2007-06-19
WO2005072382A2 (en) 2005-08-11
AU2005208908B2 (en) 2011-08-11
CA2554173A1 (en) 2005-08-11
EP1709566A2 (en) 2006-10-11
JP2007523405A (en) 2007-08-16

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