# US 2014/0156424 A1 · Credit card point of service payment authorization system

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- Number: US 2014/0156424 A1
- Document ID: US20140156424A1
- Status: Published application
- Kind: A1
- Application number: 13/694,469
- Filed: 2012-12-04
- Published: 2014-06-05
- Earliest claimed: 2012-12-04
- Assignees: Securus, Inc.
- Inventors: Wayne Simmons
- Web page: https://patentgrep.com/patent/US20140156424A1

## CPC

- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- 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

The risk of fraud in point of sale credit card transactions is reduced by providing independently-routed verification by communication between the authorized user of the credit card and the issuer of the credit card through a trusted intermediary.

## Claims

### Claim 1

A system for secure verification of a point of sale transaction, comprising:
(a) a network for allowing a merchant to request authorization of a transaction from a user's bank;
(b) a mobile telephone which has been registered with a verifying agency as belonging to said user;
(c) a network for communication between said bank and said mobile telephone, suitable for generating a request for confirmation that said transaction is authorized by said user;
(d) an application running on said mobile telephone, suitable for sending a signal either confirming or refusing authorization to said bank; and
(e) a network for allowing said bank to respond to said merchant with an approval or a denial of authorization in response to said signal from said mobile telephone.

### Claim 2

A process for verifying the authenticity of a request for authorization of payment in a point of sale transaction, comprising:
(a) Providing a system of networks comprising:
(1) a network for allowing a merchant to request authorization of a transaction from a user's bank;
(2) a mobile telephone which has been registered with a verifying agency as belonging to said user;
(3) a network for communication between said bank and said mobile telephone, suitable for generating a request for confirmation that said transaction is authorized by said user;
(4) an application running on said mobile telephone, suitable for sending a signal either confirming or refusing authorization to said bank; and
(5) a network for allowing said bank to respond to said merchant with an approval or a denial of authorization in response to said signal from said mobile telephone;
(b) initiating, by the merchant, of a request for authorization of said transaction;
(c) generating a request to the user's registered mobile telephone for confirmation that said transaction is authorized by said user;
(d) generating, by said user, a response to said request, either confirming or refusing authorization;
(e) generating, by said bank, a response to said merchant either confirming or refusing authorization in response to the signal from said mobile telephone.