Telephone-Based Payments Using Tokens

Patent metadata

Field	Value
Publication number	US-2017109747-A1
Application number	US-201514884950-A
Country	US
Kind code	A1
Filing date	Oct 16, 2015
Priority date	Oct 16, 2015
Publication date	Apr 20, 2017
Grant date	—

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 associated with the user telephone device;
a processor communicatively coupled to the memory and the interface, the processor configured, when executing the instructions, to determine one or more tokens associated with the user telephone device; wherein 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; and
wherein the processor is further configured to complete the transaction using the translated information.

2 . The system of claim 1 , wherein the interface is further configured to:
provide, to the user telephone device, the one or more tokens for selection; and receive, from the user telephone device, a selection of a particular token of the one or more tokens.

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

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

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

6 . The system of claim 1 , wherein the processor is further configured to determine a telephone number associated with the user telephone device, and the one or more tokens are determined to be associated with the user telephone device based on the telephone number.

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

8 . A method, comprising:
receiving, from a user telephone device, a request to complete a transaction using a token associated with the user telephone device; determining one or more tokens associated with the user telephone device; sending, to an issuer server, a verification request for the token; receiving, in response to the verification request, translated information associated with the token; and completing the transaction using the translated information.

9 . The method of claim 8 , further comprising:
providing, to the user telephone device, the one or more tokens for selection; and receiving, from the user telephone device, a selection of a particular token of the one or more tokens.

10 . The method of claim 8 , where the token comprises a non-exploitable representation of the translated information.

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

12 . The method of claim 8 , wherein the request is received via a short message service (SMS) text message sent from the user telephone device.

13 . The method of claim 8 , further comprising determining a telephone number associated with the user telephone device, and wherein the one or more tokens are determined to be associated with the user telephone device based on the telephone number.

14 . The method of claim 8 , wherein the token is associated with financial account information.

15 . 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 associated with the user telephone device; determine one or more tokens associated with the user telephone device; send, to an issuer server, a verification request for the token; receive, in response to the verification request, translated information associated with the token; and complete the transaction using the translated information.

16 . The computer-readable medium of claim 15 , wherein the instructions are further configured to:
provide, to the user telephone device, the one or more tokens for selection; and receive, from the user telephone device, a selection of a particular token of the one or more tokens.

17 . The computer-readable medium of claim 15 , where the token comprises a non-exploitable representation of the translated information.

18 . The computer-readable medium of claim 15 , wherein the request is received via a telephone call that includes the user telephone device.

19 . The computer-readable medium of claim 15 , wherein the request is received via a short message service (SMS) text message sent from the user telephone device.

20 . The computer-readable medium of claim 15 , wherein the instructions are further configured to determine a telephone number associated with the user telephone device, and wherein the one or more tokens are determined to be associated with the user telephone device based on the telephone number.

Assignees

• Bank Of America

Inventors

• Mohamed Zafer

Classifications

• G06Q20/325 Primary

  using wireless networks · CPC title

• G06Q20/3821

  Electronic credentials · CPC title

• G06Q20/3674

  involving authentication · CPC title

• G06Q20/20

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

• G06Q20/3255

  using mobile network messaging services for payment, e.g. SMS · CPC title