Telephone-based payments using tokens

Patent metadata

Field	Value
Publication number	US-10528939-B2
Application number	US-201514884950-A
Country	US
Kind code	B2
Filing date	Oct 16, 2015
Priority date	Oct 16, 2015
Publication date	Jan 7, 2020
Grant date	Jan 7, 2020

Abstract

According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user telephone device, a request to complete a transaction using a token associated with the user telephone device. The processor is configured, when executing the instructions, to determine one or more tokens associated with the user telephone device. The interface is further configured to send, to an issuer server, a verification request for the token, and receive, in response to the verification request, translated information associated with the token. The processor is further configured to complete the transaction using the translated information.

First claim

What is claimed is:

1. A system, comprising:
a memory comprising instructions;
an interface configured to receive, from a user telephone device, a request to complete a transaction using a token;
a processor communicatively coupled to the memory and the interface, the processor configured, when executing the instructions, to:
use caller ID to detect a telephone number of the telephone device;
determine one or more tokens based on the detected telephone number;

wherein the interface is further configured to:
provide the one or more tokens to the telephone device;
receive, from the telephone device, a first token selection indicating that a first selected token of the one or more tokens has been compromised and should be refreshed;
in response to the first token selection, remove the first token and issue a new token in place of the first token;
receive, from the telephone device, a second token selection indicating a second selected token of the one or more tokens;
send, to an issuer server, a verification request for the second selected token, wherein usage of the second selected token is verified against one or more rules indicating a geographical boundary outside of which the second selected token may not be used, wherein the issue server is configured to generate a token record and store the token record in a database, the token record comprising:
a first token identifier for the first selected token, an account identifier for an account corresponding to the first selected token, a device identifier for the telephone device, a user identifier for a user of the telephone device, an account type for the account corresponding to the first selected token, a restriction on usage of the first selected token, a merchant identifier for a merchant corresponding to the first selected token, and a history of transactions that used the first selected token; and
a second token identifier for the second selected token, an account identifier for an account corresponding to the second selected token, a device identifier for the telephone device, a user identifier for a user of the telephone device, an account type for the account corresponding to the second selected token, a restriction on usage of the second selected token, a merchant identifier for a merchant corresponding to the second selected token, and a history of transactions that used the second selected token; and

receive, in response to the verification request, translated information associated with the second selected token; and

wherein the processor is further configured to complete the transaction using the translated information.

2. The system of claim 1 , where the second selected token comprises a non-exploitable representation of the translated information.

3. The system of claim 1 , wherein the request is received via a telephone call that includes the user telephone device.

4. The system of claim 1 , wherein the request is received via a short message service (SMS) text message sent from the user telephone device.

5. The system of claim 1 , wherein the token is associated with financial account information.

6. A method, comprising:
receiving, from a user telephone device, a request to complete a transaction using a token;
using caller ID to detect a telephone number of the telephone device;
determining one or more tokens based on the detected telephone number;
providing the one or more tokens to the telephone device;
receiving, from the telephone device, a first token selection indicating that a first selected token of the one or more tokens has been compromised and should be refreshed;
in response to the first token selection, removing the first token and issue a new token in place of the first token;
receiving, from the telephone device, a second token selection indicating a second selected token of the one or more tokens;
sending, to an issuer server, a verification request for the second selected token, wherein usage of the second selected token is verified against one or more rules indicating a geographical boundary outside of which the second selected token may not be used, wherein the issue server is configured to generate a token record and store the token record in a database, the token record comprising:
a first token identifier for the first selected token, an account identifier for an account corresponding to the first selected token, a device identifier for the telephone device, a user identifier for a user of the telephone device, an account type for the account corresponding to the first selected token, a restriction on usage of the first selected token, a merchant identifier for a merchant corresponding to the first selected token, and a history of transactions that used the first selected token; and
a second token identifier for the second selected token, an account identifier for an account corresponding to the second selected token, a device identifier for the telephone device, a user identifier for a user of the telephone device, an account type for the account corresponding to the second selected token, a restriction on usage of the second selected token, a merchant identifier for a merchant corresponding to the second selected token, and a history of transactions that used the second selected token;

receiving, in response to the verification request, translated information associated with the second selected token; and
completing the transaction using the translated information.

7. The method of claim 6 , where the second selected token comprises a non-exploitable representation of the translated information.

8. The method of claim 6 , wherein the request is received via a telephone call that includes the user telephone device.

9. The method of claim 6 , wherein the request is received via a short message service (SMS) text message sent from the user telephone device.

10. The method of claim 6 , wherein the token is associated with financial account information.

11. A computer-readable medium comprising instructions that are configured, when executed by a processor, to:
receive, from a user telephone device, a request to complete a transaction using a token;
use caller ID to detect a telephone number of the telephone device;
determine one or more tokens based on the detected telephone number;
provide the one or more tokens to the telephone device;
receive, from the telephone device, a first token selection indicating that a first selected token of the one or more tokens has been compromised and should be refreshed;
in response to the first token selection, remove the first token and issue a new token in place of the first token;
receive, from the telephone device, a second token selection indicating a second selected token of the one or more tokens;
send, to an issuer server, a verification request for the second selected token, wherein usage of the second selected token is verified against one or more rules indicating a geographical boundary outside of which the second selected token may not be used, wherein the issue server is configured to generate a token record and store the token record in a database, the token record comprising:
a first token identifier for the first selected token, an account identifier for an account corresponding to the first selected token, a device identifier for the telephone device, a user identifier for a user of the telephone device, an account type for the account corresponding to the first selected token, a restriction on usage of the first selected token, a merchant identifier for a merchant corresponding to the first selected token, and a history of transactions that used the first selected token; and
a second token identifier for the sec

Assignees

• Bank Of America
• Bank Of American Corp

Inventors

• Mohamed Zafer

Classifications

• G06Q20/3674

  involving authentication · CPC title

• G06Q20/325 Primary

  using wireless networks · CPC title

• G06Q20/3821

  Electronic credentials · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title