Secure payment service and system for interactive voice response (IVR) systems
AssigneeAT&T Intellectual Property, Inc.
InventorsJames Jackson, Mehrad Yasrebi
Life of this patent
Estimating the term…
Abstract
A secure payment method includes receiving, by a merchant, a purchase request from a purchaser in a transaction. The merchant requests a payment that is in a specified medium and that is uniquely identified by a unique identification. A merchant computer controlled by the merchant receives the payment that is in the specified medium and that is uniquely identified by the unique identification. The transaction is authorized by the merchant in response to receiving the payment that is in the specified medium and that is uniquely identified by the unique identification. The specified medium is issued by a private third party.
Claims20
A secure payment method, comprising:
- receiving, by a merchant, a purchase request from a purchaser in a transaction;
- requesting, by the merchant, a payment that is in a specified form and that is uniquely identified by a unique identification;
- receiving, at a merchant computer controlled by the merchant, the payment that is in the specified form, wherein the payment is uniquely identified by the unique identification;
- and
- authorizing, by the merchant, the transaction in response to receiving the payment that is in the specified form and that is uniquely identified by the unique identification,
- wherein the specified form is issued by a private third party.
A tangible non-transitory computer readable storage form that stores a computer program for providing secure payments, the computer program, when executed by a processor, causing a computer apparatus controlled by a merchant to perform a process comprising:
- receiving a payment that is in a specified form, wherein the payment is uniquely identified by a unique identification;
- and
- authorizing a transaction in response to receiving the payment that is in the specified form and that is uniquely identified by the unique identification,
- wherein the merchant receives a purchase request from a purchaser in the transaction, and requests the payment that is in the specified form and that is uniquely identified by the unique identification, prior to the computer apparatus receiving the payment that is in the specified form and that is uniquely identified by the unique identification, and
- wherein the specified form is issued by a private third party.
A computer apparatus controlled by a merchant, comprising:
- a memory that stores instructions for securing payments, and
- a processor that executes the instructions,
- wherein, when executed by the processor, the instructions cause the processor to perform operations comprising:
- receiving a payment that is in a specified form, where the payment is uniquely identified by a unique identification;
- and
- authorizing a transaction in response to receiving the payment that is in the specified form and that is uniquely identified by the unique identification,
- wherein the merchant receives a purchase request from a purchaser in the transaction, and requests the payment that is in the specified form and that is uniquely identified by the unique identification, prior to the computer apparatus receiving the payment that is in the specified form and that is uniquely identified by the unique identification, and
- wherein the specified form is issued by a private third party.
Dependencies are inferred from the claim text.