Systems and methods for using nonvisual communication to obtain permission for authorizing a transaction

US10672002B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Epher Mendoza · Wildwood, US
• Michael Martel Spratt · Maryland Heights, US
• Rahul Deshpande · Santa Clara, US
• Akeda Hosten · Chesterfield, US
• Stewart Boling · Maryland Heights, US
• Adam Axe · Chesterfield, US

Key dates

• Filing date: Jan 30, 2017
• Grant date: Jun 2, 2020
• Expiry date: Sep 13, 2038

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L67/52
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the disclosure enable permission to be obtained using nonvisual communication. A system receives a request for authorization of a transaction, identifies an account based on user identifier data included in the request, establishes a communication link with a user device associated with the user account, generates a prompt message identifying a merchant and a transaction amount associated with merchant identifier data and transaction data included in the request, analyze the prompt message to generate a prompt audibly perceivable at the user device, analyze a speech reply received from the user device to generate a feedback message, and analyze the feedback message to determine whether permission to authorize the transaction is obtained. Aspects of the disclosure provide for authorizing a transaction in a secure and user-friendly manner.