Method and system to validate payment method

• US 20040022380A1
• Filed: 07/31/2002
• Published: 02/05/2004
• Est. Priority Date: 07/31/2002
• Status: Abandoned Application

• Current Assignee: Paymentone Corporation
• Original Assignee: Paymentone Corporation
• Inventors: Schwarz, Mikel A., Truitt, Jennifer R., Lynam, Joe M., Dawson, Ken R., Philbin, M. Brendan
• Application Number:
  US10/209,288
• Publication Number:
  US 20040022380A1
• Time in Patent Office: Days
• US Class Current: 379/207.13
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: H04M 15/41 Billing record details, i.e. parameters, identifiers, structure of call data record [CDR]
• CPC Class Codes: H04M 15/48 Secure or trusted billing, e.g. trusted elements or encryption
• CPC Class Codes: H04M 2215/0156 Secure and trusted billing, e.g. trusted elements, encryption, digital signature, codes or double check mechanisms to secure billing calculation and information
• CPC Class Codes: H04M 2215/0164 Billing record, e.g. Call Data Record [CDR], Toll Ticket[TT], Automatic Message Accounting [AMA], Call Line Identifier [CLI], details, i.e. parameters, identifiers, structure

Abstract

A method to validate a payment method for a sale via the Internet includes communicating selection data to a remote user terminal wherein the selection data provides the user with an option to select an ANI capture mechanism. The ANI capture method may include one or more of receiving a user-initiated communication, and initiating a communication with a telephone line number associated with a valid billing telephone number. The invention extends to transaction processing system and to merchant network equipment and transaction processing equipment.

Claims

1. A method to validate a subscriber line of a communication network, the method including:

receiving a billing telephone number (BTN) associated with the a subscriber line;

receiving a selection of one of a plurality of operations for a validation system to obtain line identification data of the subscriber line, wherein the plurality of operations include;

receiving an inbound communication at the validation system from a communication terminal associated with the subscriber line, and

initiating an outbound communication from the validation system to the communication terminal associated with the subscriber line; and

responsive to a selected operation, obtaining the line identification data of the subscriber line.

2. The method of claim 1, wherein the line identification data is an automatic number identification (ANI).

3. The method of claim 2, including identifying the BTN as a valid billable telephone number.

4. The method of claim 2, including:

identifying the selected operation as an operation of receiving the inbound communication from the communication terminal associated with the subscriber line; and

receiving the inbound communication.

5. The method of claim 4, wherein receiving the inbound communication is effectuated via a private branch exchange (PBX) switch.

6. The method of claim 5, including interrogating one or more databases with the line identification data to obtain validation data associated with the subscriber line.

7. The method of claim 6, including:

formatting the validation data to be suitable for updating a client database with the validation data; and

updating the client database with the validation data.

8. The method of claim 6, including formatting the validation data to be suitable for updating the PBX switch with the validation data.

9. The method of claim 8, including communicating a response associated with the validation data to the communication terminal associated with the subscriber line.

10. The method of claim 3, including:

identifying the selected operation as initiating the outbound communication with the communication terminal associated with the subscriber line; and

initiating the outbound communication.

11. The method of claim 10, including:

obtaining scheduling information to schedule a telephone call event to a telephone line number associated with the BTN;

effectuating the telephone call event to the telephone line number associated with the BTN to obtain validation data associated with the subscriber line; and

updating a client database with the validation data.

12. The method of claim 1, wherein:

the BTN is received from one or more of a group including a vendor and a user; and

the selected operation is received from one or more of the group.

13. A system to validate a subscriber line of a communication network, the system including:

a communication module to receive a billing telephone number (BTN) associated with the subscriber line, the communication module being capable of communicating with a communication terminal via the communication network;

a selection module to allow a selection among a plurality of mechanisms to establish communication with the subscriber line, wherein the plurality of mechanisms include;

an inbound telephone call processing mechanism to receive an inbound communication, and

an outbound telephone call processing mechanism to receive an outbound communication,

wherein the communication module is further to obtain the line identification data of the subscriber line using a selected mechanism of the plurality of mechanisms.

14. The system of claim 13, including a BTN validation module to identify the BTN as a valid billable telephone number.

15. The system of claim 13, including a telephone network switch in communication with the subscriber line.

16. The system of claim 15, wherein the telephone network switch is a private branch exchange (PBX) switch.

17. The system of claim 16, wherein the PBX switch includes a capture module to obtain the line identification data of the subscriber line.

18. The system of claim 17, wherein the capture module is an automatic number identification (ANI) capture module.

19. The system of claim 18, including:

an interrogation module in communication with the PBX switch to obtain validation data associated with an ANI captured by the capture module; and

a match database coupled with the interrogation module.

20. The system of claim 19, including:

a first formatting module to format the validation data to be suitable for updating a client database with the validation data, and

a second formatting module to format the validation data to be suitable for updating the PBX switch with the validation data.

21. The system of claim 20, including a response module in communication with the second formatting module and capable of communicating with a communication terminal associated with the subscriber line.

22. The system of claim 18, including:

a scheduler to schedule a telephone call event to a predetermined telephone line number;

a dialer to effectuate the telephone call event to the predetermined telephone line number via the subscriber line;

a processor module in communication with the dialer to obtain validation data associated with the subscriber line;

a client database; and

an update communication module to update the client database with the validation data.

23. A system to validate a subscriber line of a communication network, the method including:

means for receiving a billing telephone number (BTN) associated with the a subscriber line;

means for receiving a selection of one of a plurality of means for a validation system to obtain line identification data of the subscriber line, wherein the plurality of means include

means for receiving communication at the validation system from a communication terminal associated with the subscriber line, and

means for initiating an outbound communication from the validation system to the communication terminal associated with the subscriber line;

means for obtaining the line identification data of the subscriber line responsive to a selected operation.

24. A machine-readable medium for storing a set of instructions that, when executed by a machine, cause the machine to:

receive a billing telephone number (BTN) associated with the a subscriber line;

receive a selection of one of a plurality of operations for a validation system to obtain line identification data of the subscriber line, wherein the plurality of operations include;

receiving an inbound communication at the validation system from a communication terminal associated with the subscriber line, and

initiating an outbound communication from the validation system to the communication terminal associated with the subscriber line; and

responsive to a selected operation, obtain the line identification data of the subscriber line.