Using a mobile phone as a remote pin entry terminal for cnp credit card transactions
OwnerBenjamin Ian Symonsinventor
Life of this patent
Estimating the term…
Abstract
A computer implemented method, computer program product, and data processing system for authorizing a financial transaction with an account. A request to perform the financial transaction with the account is received. The financial transaction is authorized responsive to receiving a pre-determined code from a mobile communication device associated with a user who has authority to authorize the financial transaction.
Claims20
A computer implemented method of authorizing a financial transaction with an account, the computer implemented method comprising:
- receiving a request to perform the financial transaction with the account;
- and
- responsive to receiving a pre-determined code from a mobile communication device associated with a user who has authority to authorize the financial transaction, authorizing the financial transaction.
A computer-implemented method of authorizing a transaction between a first party and a credit account associated with a second party, wherein the credit account is managed by a third party, the computer-implemented method comprising:
- responsive to the first party requesting authorization to perform the transaction, receiving from the third party a link to a secure Web server, wherein the link is received at a mobile communication device of the second party;
- using the mobile communication device to follow the link;
- responsive to following the link, receiving at the mobile communication device a prompt to enter a code;
- and
- responsive to both correctly entering a predetermined code at the mobile communication device and also successfully transmitting the predetermined code from the mobile communication device to the secure Web server, authorizing the transaction.
A computer-implemented method of authorizing a transaction between a first party and a credit account associated with a second party, wherein the credit account is managed by a third party, the computer-implemented method comprising:
- responsive to the first party requesting authorization to perform the transaction, transmitting from the third party a link to a secure Web server, wherein the link is transmitted to a mobile communication device of the second party;
- responsive to a transmission from the mobile communication device, transmitting from the secure Web server to the mobile communication device a prompt to enter a code;
- and
- responsive to receiving at the secure Web server a predetermined code transmitted by the mobile communication device, authorizing the transaction.
A recordable-type medium containing a computer program product for authorizing a financial transaction with an account, the computer program product comprising:
- instructions for receiving a request to perform the financial transaction with the account;
- and
- instructions for responsive to receiving a pre-determined code from a mobile communication device associated with a user who has authority to authorize the financial transaction, authorizing the financial transaction.
Dependencies are inferred from the claim text.