WO2005072382A3 - System and method for secure telephone and computer transactions - Google Patents
System and method for secure telephone and computer transactions Download PDFInfo
- 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
- Legal status (The legal status 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 status listed.)
- Ceased
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
- G10L15/00—Speech recognition
- G10L15/22—Procedures used during a speech recognition process, e.g. man-machine dialogue
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Multimedia (AREA)
- Acoustics & Sound (AREA)
- Human Computer Interaction (AREA)
- Audiology, Speech & Language Pathology (AREA)
- Health & Medical Sciences (AREA)
- Computational Linguistics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Telephonic Communication Services (AREA)
Abstract
Priority Applications (7)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2006551471A JP2007523405A (en) | 2004-01-23 | 2005-01-24 | System and method for secure telephone and computer transactions |
| 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 |
| 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 | |
| US60/538,761 | 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 |
| 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 Ceased 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)
| 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 (23)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100654039B1 (en) * | 2005-11-14 | 2006-12-05 | 에스케이 텔레콤주식회사 | Authentication Method of Service Server in Wireless Internet and Payment Method Using the Same |
| DE102005061632B4 (en) * | 2005-12-19 | 2015-11-19 | T-Online International Ag | Method and apparatus for authorization |
| CA2641676A1 (en) * | 2006-03-02 | 2007-09-13 | Benedicto H. Dominguez | 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 |
| CN101473344A (en) * | 2006-06-19 | 2009-07-01 | 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 |
| US10565587B1 (en) * | 2018-10-02 | 2020-02-18 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
Citations (2)
| 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 |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 support method and electronic commerce method using the same |
| US7707120B2 (en) * | 2002-04-17 | 2010-04-27 | Visa International Service Association | Mobile account authentication service |
-
2005
- 2005-01-24 WO PCT/US2005/002591 patent/WO2005072382A2/en not_active Ceased
- 2005-01-24 EP EP05706112A patent/EP1709566A4/en not_active Withdrawn
- 2005-01-24 AU AU2005208908A patent/AU2005208908B2/en not_active Ceased
- 2005-01-24 CA CA002554173A patent/CA2554173A1/en not_active Abandoned
- 2005-01-24 JP JP2006551471A patent/JP2007523405A/en active Pending
- 2005-01-24 KR KR1020067015137A patent/KR20060135726A/en not_active Ceased
- 2005-01-24 BR BRPI0507070-8A patent/BRPI0507070A/en not_active Application Discontinuation
-
2006
- 2006-07-19 IL IL176961A patent/IL176961A0/en not_active IP Right Cessation
Patent Citations (2)
| 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)
| 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 |
|---|---|
| AU2005208908B2 (en) | 2011-08-11 |
| KR20060135726A (en) | 2006-12-29 |
| BRPI0507070A (en) | 2007-06-19 |
| WO2005072382A2 (en) | 2005-08-11 |
| EP1709566A2 (en) | 2006-10-11 |
| IL176961A0 (en) | 2006-12-10 |
| JP2007523405A (en) | 2007-08-16 |
| AU2005208908A1 (en) | 2005-08-11 |
| CA2554173A1 (en) | 2005-08-11 |
| EP1709566A4 (en) | 2007-07-18 |
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