Systems and methods for transactions on the telecom web
AssigneeInternational Business Machines Corporation
InventorsAnupam Joshi, Srinivas G. Narayana, Aaditeshwar Seth
Life of this patent
Estimating the term…
Abstract
Embodiments of the invention broadly contemplate systems, methods, apparatuses and program products that leverage the mobile web, especially the spoken (telecom) web, to handle transactions. According to embodiments of the invention, in essence, a mobile device such as a phone is used as a terminal, remote authentication is employed, and a challenge response using a per transaction audio based code is used as a confirmation. Embodiments of the invention also provide further protection against repudiation, and greater trust in the transaction, by employing witnesses.
Claims25
An apparatus comprising:
- one or more processors;
- and
- a computer readable storage medium having computer readable program code embodied therewith and executable by the one or more processors, the computer readable program code comprising:
- computer readable program code configured to authenticate one or more users over a voice channel;
- computer readable program code configured to process one or more transaction requests of the one or more users communicated over the voice channel;
- and
- computer readable program code configured to implement a policy prior to completion of processing of the one or more transaction requests, wherein the policy comprises determining if one or more witnesses are required to process the one or more transaction requests.
A method comprising:
- authenticating one or more users over a voice channel;
- processing one or more transaction requests of the one or more users communicated over the voice channel;
- and
- implementing a policy prior to completion of processing of the one or more transaction requests, wherein the policy comprises determining if one or more witnesses are required to process the one or more transaction requests.
A computer program product comprising:
- a computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising:
- computer readable program code configured to authenticate one or more users over a voice channel;
- computer readable program code configured to process one or more transaction requests of the one or more users communicated over the voice channel;
- and
- computer readable program code configured to implement a policy prior to completion of processing of the one or more transaction requests, wherein the policy comprises determining if one or more witnesses are required to process the one or more transaction requests.
A computer program product comprising:
- a computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising:
- computer readable program code configured to authenticate a payer over a voice channel;
- computer readable program code configured to process one or more transaction requests of the payer communicated over the voice channel;
- computer readable program code configured to authenticate one or more payees prior to completion of processing of the one or more transaction requests via issuing a one time audio token to the payer, and determining if the one or more payees provide the one time audio token;
- and
- computer readable program code configured to implement a policy prior to completion of processing of the one or more transaction requests, wherein the policy comprises determining if one or more witnesses are required to process the one or more transaction requests.
Dependencies are inferred from the claim text.