TRANSACTION AUTHORISATION SYSTEM AND METHOD
First Claim
1. A transaction authorisation system for allowing a customer to authorise transactions relating to at least one customer account associated with an institution, the system comprising:
- data storage means for enabling access to;
(a) identification data associated with the customer;
(b) identification data associated with a remote communication device (RCD) of the customer; and
(c) security identifier data associating the at least one customer account with either one or both of (a) and (b);
a first communication means for enabling communication with the customer via the RCD to authorise a transaction on the at least one customer account or to indicate a transaction on the at least one customer account is fraudulent;
a data processing architecture including data processing means to identify the customer using (a), identify the RCD using (b) and determine if the transaction is authorised by the customer or if the transaction has been indicated as being fraudulent by the customer, and if said transaction is fraudulent, to determine the type of fraud associated with the fraudulent transaction; and
a second communication means for receiving an authorisation request in relation to the transaction and providing an indication to the institution of whether or not the transaction is authorised by the customer,wherein the authorisation request received and the indication provided to the institution are referenced to the security identifier data.
2 Assignments
0 Petitions
Accused Products
Abstract
A transaction authorisation system allows a customer to authorise transactions relating to at least one account associated with an institution. Data storage means enable access to customer identification data, a customer'"'"'s remote communication device (RCD), and security identifier data associating the account with the identification data. Communication means receive an authorisation request, referenced to the security identifier data, relating to the transaction and enable communication with the customer via the RCD to authorise a transaction or to indicate that a transaction is fraudulent. Data processing means identify the customer and RCD using the identification data and determine if the transaction is authorised, or has been indicated as being fraudulent, and if the transaction is fraudulent, to determine the type of fraud. The communication means provide an indication, referenced to the security identifier data, to the institution of whether the transaction is authorised.
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Citations
18 Claims
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1. A transaction authorisation system for allowing a customer to authorise transactions relating to at least one customer account associated with an institution, the system comprising:
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data storage means for enabling access to; (a) identification data associated with the customer; (b) identification data associated with a remote communication device (RCD) of the customer; and (c) security identifier data associating the at least one customer account with either one or both of (a) and (b); a first communication means for enabling communication with the customer via the RCD to authorise a transaction on the at least one customer account or to indicate a transaction on the at least one customer account is fraudulent; a data processing architecture including data processing means to identify the customer using (a), identify the RCD using (b) and determine if the transaction is authorised by the customer or if the transaction has been indicated as being fraudulent by the customer, and if said transaction is fraudulent, to determine the type of fraud associated with the fraudulent transaction; and a second communication means for receiving an authorisation request in relation to the transaction and providing an indication to the institution of whether or not the transaction is authorised by the customer, wherein the authorisation request received and the indication provided to the institution are referenced to the security identifier data. - View Dependent Claims (2, 3, 4)
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5. A transaction authorisation system for allowing a customer to authorise transactions relating to at least one customer account associated with an institution, the system comprising:
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data storage means for enabling access to; (a) identification data associated with the customer; (b) identification data associated with a remote communication device (RCD) of the customer; and (c) security identifier data associating the at least one customer account with either one or both of (a) and (b); a first communication means for enabling communication with the customer via the RCD to authorise a transaction on the at least one customer account, the first communication means including an interactive voice response (IVR) system arranged to provide the customer with a plurality of alternative feedback options; a data processing architecture including data processing means to identify the customer using (a), identify the RCD using (b) and determine if the transaction is authorised by the customer; and a second communication means for receiving an authorisation request in relation to the transaction and providing an indication to the institution of whether or not the transaction is authorised by the customer, wherein the authorisation request received and the indication provided to the institution are referenced to the security identifier data. - View Dependent Claims (6, 7, 8, 9)
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10. A method for allowing a customer to authorise transactions relating to at least one customer account held at an institution, the method comprising the steps of:
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(a) an authorisation server receiving an authorisation request from the institution in relation to a transaction on the at least one customer account; (b) the authorisation server communicating with the customer via a remote communication device (RCD) of the customer to authorise the transaction; (c) the authorisation server identifying the customer using identification data associated with the customer to which the authorisation server has access; (d) the authorisation server identifying the RCD using stored identification data associated with the RCD to which the authorisation server has access; (e) the authorisation server determining if the transaction is authorised by the customer or if the transaction is indicated as fraudulent by the customer, and if said transaction is fraudulent, determining the type of fraud associated with the fraudulent transaction; (f) the authorisation server communicating an indication to the institution of whether or not the transaction is authorised by the customer, wherein the authorisation request received by the authorisation server and the indication provided to the institution are referenced by the institution and the authentication server to security identifier data for associating the at least one customer account with one or both of the stored identification data associated with the customer and the stored identification data associated with the RCD. - View Dependent Claims (11, 12, 13)
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14. A method for allowing a customer to authorise transactions relating to at least one customer account held at an institution, the method comprising the steps of:
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(a) an authorisation server receiving an authorisation request from the institution in relation to a transaction on the at least one customer account; (b) the authorisation server communicating with the customer via a remote communication device (RCD) of the customer to authorise the transaction, wherein the communication includes use of an interactive voice response (IVR) system which provides the customer with a plurality of alternative feedback options; (c) the authorisation server identifying the customer using identification data associated with the customer to which the authorisation server has access; (d) the authorisation server identifying the RCD using stored identification data associated with the RCD to which the authorisation server has access; (e) the authorisation server determining if the transaction is authorised by the customer; (f) the authorisation server communicating an indication to the institution of whether or not the transaction is authorised by the customer, wherein the authorisation request received by the authorisation server and the indication provided to the institution are referenced by the institution and the authentication server to security identifier data for associating the at least one customer account with one or both of the stored identification data associated with the customer and the stored identification data associated with the RCD. - View Dependent Claims (15, 16, 17, 18)
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Specification