Providing payment credentials securely for telephone order transactions
US10769631B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 10, 2016 |
| Grant date | Sep 8, 2020 |
| Priority date | — |
| Expiry date | Dec 27, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q30/0633
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method includes receiving a purchase order via a telephone call from a customer. As part of the phone call, a credentials service customer identifier assigned to the customer is received from the customer. The method further includes transmitting a message to a credentials service that issued the customer identifier. Payment credentials are received from the credentials service. The payment credentials include a payment token that is associated with a payment account that belongs to the customer. The method further includes generating a payment account system authorization request message. The authorization request message includes the payment token. In addition, the method includes transmitting the authorization request message for routing to an issuer of the payment account.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.