System and method for verification, authentication, and notification of a transaction
First Claim
1. A system that establishes at least one communication with and/or to at least one party identified as engaging in or having an interest or potential interest in a transaction, using at least one communication device associated with said at least one party, to notify said at least one party of said transaction and/or to authenticate and verify said at least one party'"'"'s identity and intentions regarding said transaction, comprised of:
- a) One or more computing elements which receive data regarding said transaction, said computing elements having one or more central processors that execute programmed instructions, one or more memories for storing programmed instructions to be executed and storing interim and/or terminal values related to the execution of said programmed instructions, and non-volatile storage for storing other data received, obtained, or generated by the inventive system in the course of its operation;
b) One or more logical and/or physical communications-related processing elements connected to or embedded within said one or more computing elements, comprised of;
i. An application programming interface means;
ii. At least one processor;
iii. At least one memory for storing a plurality of programmed instructions to be executed and storing interim and/or terminal values related to the execution of said programmed instructions;
iv. Programmed instructions residing in said at least one memory which when executed by said at least one processor perform the steps of initiating, maintaining, controlling, logging, and/or terminating communications over at least one communications link with and/or to at least one communications device, and v. At least one logical and/or physical communications port enabling said communications. c) A plurality of programmed instructions residing in said one or more memories and said at least one memory, which cause said one or more computing elements and said one or more logical and/or physical communications-related processing elements to perform the steps of;
i. Accept incoming information about a transaction from an external source involved in or relating to the processing of said transaction;
ii. Generate derivative information about said transaction based on any or all of the following content found to have been included or encoded in said incoming information;
1. Identity-related information, such as account numbers or other identifiers, of at least one party identified thereby as engaged in or having an interest or a potential interest in said transaction;
2. A plurality of other parameters regarding the transaction, which may include parameters that define or guide the behavior of said one or more computing elements and/or said one or more logical and/or physical communications-related processing elements;
iii. Communicate with and/or to at least one party identified in said incoming information and/or in said derivative information as engaged in or having an interest or potential interest in said transaction, by establishing or utilizing at least one communications link with and/or to at least one communication device whose communications address is associated with said at least one party through said incoming information and/or said derivative information;
iv. Deliver at least one message to said at least one party using said at least one communications link, wherein the contents of said at least one message are based on said incoming information and/or said derivative information, and v. Generate or look up result information based on said incoming information and/or said derivative information and/or the outcomes of said communications.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for verifying, authenticating, and providing notification of a transaction, such as a commercial or financial transaction, with and/or to at least one party identified as engaging in the transaction and/or identified as having a potential interest in the transaction or type of transaction, are provided. A central system accepts information regarding a transaction, including information about at least one party identified as engaging in the transaction, such as by a credit account number or Social Security number or merchant account number, and/or identified as having a potential interest in the transaction. Based on the information regarding the transaction and any supplemental information the central system determines, the central system communicates with and/or to at least one party and/or additional or alternative parties, via at least one communications device or system having a communications address, such as a telephone number or Short Message Service address, predetermined as belonging to the at least one party and/or additional or alternative parties. Via said communications, at least one party having an interest or a potential interest in the transaction may be notified of it, and may further be enabled or required to supply additional verifying or authenticating information to the central system. If the transaction was initiated or engaged in via a communications link, such as via the Internet, said communications preferably occur over at least one different communications link and/or protocol, such as via a wireless voice network. The central system may then compute a result based on the outcomes of said communications, and may then transmit the result to the user and/or to a second system or device.
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Citations
110 Claims
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1. A system that establishes at least one communication with and/or to at least one party identified as engaging in or having an interest or potential interest in a transaction, using at least one communication device associated with said at least one party, to notify said at least one party of said transaction and/or to authenticate and verify said at least one party'"'"'s identity and intentions regarding said transaction, comprised of:
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a) One or more computing elements which receive data regarding said transaction, said computing elements having one or more central processors that execute programmed instructions, one or more memories for storing programmed instructions to be executed and storing interim and/or terminal values related to the execution of said programmed instructions, and non-volatile storage for storing other data received, obtained, or generated by the inventive system in the course of its operation;
b) One or more logical and/or physical communications-related processing elements connected to or embedded within said one or more computing elements, comprised of;
i. An application programming interface means;
ii. At least one processor;
iii. At least one memory for storing a plurality of programmed instructions to be executed and storing interim and/or terminal values related to the execution of said programmed instructions;
iv. Programmed instructions residing in said at least one memory which when executed by said at least one processor perform the steps of initiating, maintaining, controlling, logging, and/or terminating communications over at least one communications link with and/or to at least one communications device, and v. At least one logical and/or physical communications port enabling said communications. c) A plurality of programmed instructions residing in said one or more memories and said at least one memory, which cause said one or more computing elements and said one or more logical and/or physical communications-related processing elements to perform the steps of;
i. Accept incoming information about a transaction from an external source involved in or relating to the processing of said transaction;
ii. Generate derivative information about said transaction based on any or all of the following content found to have been included or encoded in said incoming information;
1. Identity-related information, such as account numbers or other identifiers, of at least one party identified thereby as engaged in or having an interest or a potential interest in said transaction;
2. A plurality of other parameters regarding the transaction, which may include parameters that define or guide the behavior of said one or more computing elements and/or said one or more logical and/or physical communications-related processing elements;
iii. Communicate with and/or to at least one party identified in said incoming information and/or in said derivative information as engaged in or having an interest or potential interest in said transaction, by establishing or utilizing at least one communications link with and/or to at least one communication device whose communications address is associated with said at least one party through said incoming information and/or said derivative information;
iv. Deliver at least one message to said at least one party using said at least one communications link, wherein the contents of said at least one message are based on said incoming information and/or said derivative information, and v. Generate or look up result information based on said incoming information and/or said derivative information and/or the outcomes of said communications. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58)
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59. A scripting language for encoding a script which, upon its execution by said one or more computing elements executing said programmed instructions, controls and/or amends the steps taken by said system, based on a) the contents of said incoming information and/or said derivative information, b) subsequent events and occurrences resulting from and/or relating to the execution of said scripts, c) changes of state of said system during the execution of said script, and d) the progress and results of said communications with said at least one party, comprising:
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executable instructions for composing, formatting, delivering, and managing messages and communications with and/or to said at least one party, environment variables and objects having object properties, which variables and properties being set case-by-case by said one or more computing elements and/or said one or more logical and/or physical communications-related processing elements for a given transaction based on said incoming information and/or said derivative information, a lookup capability for retrieval of additional or alternative information based on said incoming information and/or said derivative information, and a branching and control capability for determining the sequence and choice of steps to perform, based on interim and final results, progress indicators, system states, and events which occur during the execution of said script.
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60. A method for verifying, authenticating, and providing notification of a transaction, such as a commercial or financial transaction, with and/or to at least one party identified as engaging in said transaction and/or having a potential interest in said transaction or type of transaction, comprising the steps of:
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a) Obtaining or accepting primary information regarding a transaction from an external source;
b) Generating secondary information regarding said transaction based on any or all of the following primary information available in regard to said transaction;
i. Identity-related information, such as account numbers or other identifiers, of at least one party identified thereby as engaged in or having an interest or a potential interest in said transaction, and ii. A plurality of other parameters and/or characteristics of the transaction, c) Communicating with and/or to at least one party identified in said primary information and/or in said secondary information as engaged in or having an interest or potential interest in said transaction, by establishing or utilizing at least one communications link with and/or to at least one communication device whose communications address is associated with said at least one party through said primary information and/or said secondary information;
d) Delivering at least one message to said at least one party using said at least one communications link, wherein the contents of said at least one message are based on said primary information and/or said secondary information, and e) Generating or looking up result information based on said primary information and/or said secondary information and/or the outcomes of said communications. - View Dependent Claims (61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96, 97, 98, 99, 100, 101, 102, 103, 104, 105, 106, 107, 108, 109, 110)
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Specification