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IL176961A0 - System and method for secure telephone and computer transactions - Google Patents

System and method for secure telephone and computer transactions

Info

Publication number
IL176961A0
IL176961A0 IL176961A IL17696106A IL176961A0 IL 176961 A0 IL176961 A0 IL 176961A0 IL 176961 A IL176961 A IL 176961A IL 17696106 A IL17696106 A IL 17696106A IL 176961 A0 IL176961 A0 IL 176961A0
Authority
IL
Israel
Prior art keywords
secure telephone
computer transactions
transactions
computer
telephone
Prior art date
Application number
IL176961A
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
Publication of IL176961A0 publication Critical patent/IL176961A0/en

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)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computational Linguistics (AREA)
  • Health & Medical Sciences (AREA)
  • Audiology, Speech & Language Pathology (AREA)
  • Human Computer Interaction (AREA)
  • Acoustics & Sound (AREA)
  • Multimedia (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
IL176961A 2004-01-23 2006-07-19 System and method for secure telephone and computer transactions IL176961A0 (en)

Applications Claiming Priority (3)

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
PCT/US2005/002591 WO2005072382A2 (en) 2004-01-23 2005-01-24 System and method for secure telephone and computer transactions

Publications (1)

Publication Number Publication Date
IL176961A0 true IL176961A0 (en) 2006-12-10

Family

ID=34830467

Family Applications (1)

Application Number Title Priority Date Filing Date
IL176961A IL176961A0 (en) 2004-01-23 2006-07-19 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)

Families Citing this family (28)

* Cited by examiner, † Cited by third party
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
BRPI0708276A2 (en) * 2006-03-02 2011-05-24 Visa Int Service Ass methods for effecting transaction authentication on an email order and telephone order and for authenticating to an online payment transaction
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
CN101485128B (en) * 2006-06-19 2016-08-03 维萨美国股份有限公司 Portable consumer device verification system
JP5366837B2 (en) * 2007-03-16 2013-12-11 トムソン ライセンシング Intercepting calls at the base station level
US9443253B2 (en) 2009-07-27 2016-09-13 Visa International Service Association Systems and methods to provide and adjust offers
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
US8359274B2 (en) 2010-06-04 2013-01-22 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
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
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
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
US9466075B2 (en) 2011-09-20 2016-10-11 Visa International Service Association Systems and methods to process referrals in offer campaigns
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

Family Cites Families (7)

* Cited by examiner, † Cited by third party
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
US6266640B1 (en) * 1996-08-06 2001-07-24 Dialogic Corporation Data network with voice verification means
GB2366432A (en) * 2000-09-04 2002-03-06 Sonera Smarttrust Oy Secure electronic payment system
WO2002071176A2 (en) * 2001-03-08 2002-09-12 Cyota Inc. Transaction 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

Also Published As

Publication number Publication date
KR20060135726A (en) 2006-12-29
WO2005072382A3 (en) 2006-01-19
AU2005208908B2 (en) 2011-08-11
JP2007523405A (en) 2007-08-16
WO2005072382A2 (en) 2005-08-11
AU2005208908A1 (en) 2005-08-11
BRPI0507070A (en) 2007-06-19
EP1709566A4 (en) 2007-07-18
EP1709566A2 (en) 2006-10-11
CA2554173A1 (en) 2005-08-11

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Legal Events

Date Code Title Description
FF Patent granted
MM9K Patent not in force due to non-payment of renewal fees