# US 10,769,631 B2 · Providing payment credentials securely for telephone order transactions

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- Number: US 10,769,631 B2
- Document ID: US10769631B2
- Status: Granted
- Kind: B2
- Application number: 15/348,176
- Filed: 2016-11-10
- Published: 2018-05-10
- Granted: 2020-09-08
- Earliest claimed: 2016-11-10
- Assignees: Mastercard International Incorporated
- Applicants: MasterCard International Incorporated
- Inventors: Joseph Hayes; Prashant Sharma; Simon Collins
- Web page: https://patentgrep.com/patent/US10769631B2

## CPC

- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/00: Payment architectures, schemes or protocols (apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12)
- G06Q 30/0633: {Managing shopping lists, e.g. compiling or processing purchase lists (shipping orders G06Q10/083; order filling G06Q10/087)}
- 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

## Abstract

A method includes receiving a purchase order via a telephone call from a customer. As part of the phone call, a credentials service customer identifier assigned to the customer is received from the customer. The method further includes transmitting a message to a credentials service that issued the customer identifier. Payment credentials are received from the credentials service. The payment credentials include a payment token that is associated with a payment account that belongs to the customer. The method further includes generating a payment account system authorization request message. The authorization request message includes the payment token. In addition, the method includes transmitting the authorization request message for routing to an issuer of the payment account.

## Claims

### Claim 1

A method comprising:
receiving a purchase order via a telephone call from a customer;
as part of the telephone call, receiving from the customer a credentials service customer identifier assigned to the customer, said receiving the credentials service customer identifier including receiving the credentials service customer identifier orally;
transmitting a message to a credentials service that issued the customer identifier;
receiving payment credentials from the credentials service, the received payment credentials including a payment token that is associated with a payment account that belongs to the customer;
generating a payment account system authorization request message, the payment account system authorization request message including the payment token; and
transmitting the payment account system authorization request message for routing to an issuer of the payment account.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
receiving, from the credentials service, a designation of a number of transactions for which the payment token may be used.

### Claim 3 (depends on 2)

The method of claim 2, further comprising:
storing a data entry indicative of said received designated number of transactions.