System, method and apparatus for conducting a secure transaction over a call
First Claim
1. A system for conducting secure transactions over a call comprising:
- a first user terminal;
a second user terminal;
a call network; and
a transaction module;
wherein a user can use said first or second user terminal to initiate a transaction through either said call network or said transaction module;
wherein said first user terminal and said second user terminal can exchange information; and
wherein said transaction module can process said transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
Embodiments of the present invention include methods, systems and apparatuses for conducting secure transactions over a call. Users can initiate a secure transaction over a call, such as a telephone call, in which the identities of up to all participants can be validated prior to sending or receiving of payment, financial or other sensitive information. A transaction module collects and verifies all necessary transaction information and resources. User can be prompted to confirm or approve the transaction prior to completion of the transaction. Summaries of the transaction can be sent to users or stored in record keeping.
30 Citations
25 Claims
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1. A system for conducting secure transactions over a call comprising:
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a first user terminal;
a second user terminal;
a call network; and
a transaction module;
wherein a user can use said first or second user terminal to initiate a transaction through either said call network or said transaction module;
wherein said first user terminal and said second user terminal can exchange information; and
wherein said transaction module can process said transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for conducting secure transaction over a call comprising:
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connecting a first user or a second user to a transaction module;
initiating a transaction;
validating identities of said first user or said second user;
collecting transaction information;
verifying said transaction information; and
approving said transaction. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A transaction module comprising:
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a transaction gatekeeper;
a transaction information gatherer;
a transaction verifier;
a transaction approver; and
a transaction notifier;
wherein said transaction gatekeeper validates the identities of one or more users;
wherein said transaction information gatherer collects the up to all transaction information pertinent to a transaction;
wherein said transaction verifier checks and confirms up to all of said transaction information; and
said transaction approver processes said transaction, and said transaction notifier can provide a message to said one or more users. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25)
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Specification