US 11,144,913 B2 · System and method for conversion between internet and non-internet based transactions

Abstract

A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network (40) for an account holder (60) engaged in the transaction via a non-IP based telecommunications platform (30). The method includes: receiving a first message from the account holder (60) via the non-IP based telecommunications platform (30), the first message triggering authentication of the account holder (60) and being in a first communication format; establishing account information for a payment instrument being used in the transaction based upon content in the first message; generating a second message using a second communication format different from the first format, the second message including the established account information; submitting the second message via the IP network (40) to a network entity (110, 200) such that an authentication document is generated (120), the authentication document (120) containing an input field (122); generating a third message using the first format, the third message being submitted to the account holder (60) via the non-IP based telecommunications platform (30) such that the account holder (60) is prompted to enter a security code; receiving a fourth message containing the entered security code from the account holder (60) via the non-IP based telecommunications platform (30), the fourth message being in the first format; and, accessing the authentication document (120) via the IP network (40) to fill-in the input field (122) of the authentication document (120) with the security code contained in the fourth message.

Claims16

Dependent claims

A transaction conversion system for bridging commercial transactions between a first network and a plurality of diverse second networks that employ communication protocols that are different from a communication protocol employed by the first network, the system comprising:

an interface server comprising at least one processor and operatively connected to the plurality of diverse second networks, the interface server configured to selectively exchange messages between one or more application container servers and account holders participating in commercial transactions via the plurality of diverse second networks, the one or more application container servers configured to establish account information for a payment instrument being used in a transaction of the commercial transactions;
and
a network robot server comprising at least one processor and operatively connected to the first network, the network robot server configured to access one or more authentication documents and one or more network entities via the first network to selectively obtain data therefrom and to selectively enter data therein, an authentication document of the one or more authentication documents including a security message corresponding to a first user, the security message uniquely identifying a source of the authentication document,
wherein the one or more application container servers is further configured to:
direct operation of the network robot server and control data flow between the network robot server and the interface server, and prompt the first user to enter a security credential, wherein the prompt includes the security message displayed to the first user prior to the first user entering the security credential.

2 more elements

A method for bridging commercial transactions between a first network and a plurality of diverse second networks that employ communication protocols that are different from a communication protocol employed by the first network, the method comprising:

selectively exchanging, with an interface server comprising at least one processor and connected to the plurality of diverse second networks, messages between one or more application container servers and account holders participating in commercial transactions via the plurality of diverse second networks, the one or more application container servers configured to establish account information for a payment instrument being used in a transaction of the commercial transactions;
accessing, with a network robot server comprising at least one processor and operatively connected to the first network, one or more authentication documents and one or more network entities via the first network, an authentication document of the one or more authentication documents including a security message including a security message corresponding to a first user, the security message uniquely identifying a source of the authentication document;
controlling, with at least one application container server of the one or more application container servers, the network robot server to selectively obtain data from the one or more network entities;
prompting a first user to enter a security credential, the prompt including the security message displayed to the first user prior to the first user entering the security credential;
and
controlling, with at least one application container server of the one or more application container servers, the network robot server to selectively enter data into the one or more authentication documents based on the data obtained from the one or more network entities.

3 more elements

Dependencies are inferred from the claim text.

System and method for conversion between internet and non-internet based transactions

Life of this patent

System and method for conversion between internet and non-internet based transactions

Life of this patent

Abstract

Claims16