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US 10,467,621 B2Granted
Secure authentication and payment system
AssigneeAliaswire, Inc.
InventorHossein Mohsenzadeh
Life of this patent
Estimating the term…
Abstract
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.
Claims23
A method comprising:
- receiving, at a server, one or more messages from an originator device, the one or more message identifying an originator alias and a target alias, the one or more messages instructing the server to transfer one or more resources from the originator alias to the target alias;
- in response to receiving the one or more messages, authenticating, by the server, the one or more messages by matching the originator alias and the target alias to a plurality of aliases in one or more databases, respectively;
- in response to authenticating the one or more messages, identifying, by the server, a first payment destination identifier in the database associated with the originator alias and a second payment destination identifier associated with the target alias;
- and
- facilitating, by the server, transfer of the one or more resources from a funding mechanism associated with the first payment destination identifier to an entity associated with the second payment identifier.
2 more elements
A server comprising:
- a processor, the processor including one or more program modules configured to:
- receive one or more messages from an originator device, the one or more message identifying an originator alias and a target alias, the one or more messages instructing the server to transfer one or more resources from the originator alias to the target alias;
- in response to receiving the one or more messages, authenticate the one or more messages by matching the originator alias and the target alias to a plurality of aliases in one or more databases, respectively;
- in response to authenticating the one or more messages, identify a first payment destination identifier in the database associated with the originator alias and a second payment destination identifier associated with the target alias;
- and
- facilitate transfer of the resource from a funding mechanism associated with the first payment destination identifier to an entity associated with the second payment identifier.
3 more elements
Dependencies are inferred from the claim text.