Authorizing An Electronic Payment Request

• US 20090319428A1
• Filed: 06/17/2009
• Published: 12/24/2009
• Est. Priority Date: 06/24/2008
• Status: Abandoned Application

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Piccinini, Sandro, Febonio, Barbara
• Application Number:
  US12/486,073
• Publication Number:
  US 20090319428A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

An electronic payment request is authorized using a plurality of electronic codes. A first code is requested from a user on receipt of a payment request made with a payment card configured with one or more details of one or more devices in the possession of one or more owners of the card. The payment is refused in the event the first code does not substantially match a predefined second code. A third code is requested from the one or more devices with whose details the payment card is configured if the first code substantially matches the second code. The third code is compared with a predefined fourth code. The payment is refused in the event the third code does not substantially match the fourth code, while the payment is authorized in the event the third code substantially matches the fourth code.

Claims

1. A method for authorizing an electronic payment request, the method comprising:

requesting a first code from a user on receipt of a payment request made with a payment card configured with a one or more details of a one or more devices in the possession of a one or more owners of the card;

refusing to make the payment in the event the first code does not substantially match a predefined second code;

requesting a third code from the one or more devices with whose details the payment card is configured, in the event the first code substantially matches the second code;

comparing the third code with a predefined fourth code;

refusing to make the payment in the event the third code does not substantially match the fourth code; and

authorizing the payment in the event the third code substantially matches the fourth code.

2. The method as claimed in claim 1, wherein the method further comprises configuring the payment card with a phone number of a mobile phone of the owner of the card;

and requesting a third code comprises making a call to the mobile phone and waiting for a preconfigured answer to the call.

3. The method as claimed in claim 2 wherein comparing the third code with a predefined fourth code comprises comparing the third code with a predefined vocal password.

4. The method as claimed in claim 2, wherein requesting a third code comprises sending an SMS message to the mobile phone and waiting for a preconfigured answer to the SMS message.

5. The method as claimed in claim 4 wherein comparing the third code with a predefined fourth code comprises comparing the third code with a predefined SMS message.

6. The method as claimed in claim 1 wherein the method further comprises configuring the payment card with an International Mobile Equipment Identity (IMEI) code of a mobile phone of the owner of the card and wherein requesting a third code comprises attempting to establish a bluetooth connection with the mobile phone;

and wherein

comparing the third code with a predefined fourth code comprises comparing an International Mobile Equipment Identity (IMEI) code retrieved from the mobile phone with the IMEI with which the payment card is configured.

7. The method as claimed in claim 1 wherein the method further comprises configuring the payment card with an identifier of a radio frequency identification tag on the person of an owner of the card;

and wherein

requesting a third code comprises attempting to read a code from the radio frequency identification tag.

8. The method as claimed in claim 1 wherein requesting a third code from the device with whose details the payment card is configured is not conditional upon the matching of the first code with the second code;

and wherein;

requesting a third code from the device

comparing the third code with a predefined fourth code; and

refusing to make the payment in the event the third code does not substantially match the fourth code, precede;

requesting a first code from a second user on receipt of a payment request made with the payment card; and

refusing to make the payment in the event the first code does not substantially match a predefined second code.

9. The method as claimed in claim 1 wherein the method comprising an initial step of allowing a user to choose whether to avail of the method;

and failing to execute the steps of;

requesting a third code from the device with whose details the payment card is configured;

comparing the third code with a predefined fourth code; and

refusing to make the payment in the event the third code does not substantially match the fourth code;

in the event the user has chosen not to avail of the method.

10. A system for for authorizing an electronic payment request, the system comprising:

a processor;

a memory for storing instructions which when executed by the processor cause the system to execute the method comprising;

requesting a first code from a user on receipt of a payment request made with a payment card configured with a one or more details of a one or more devices in the possession of a one or more owners of the card;

refusing to make the payment in the event the first code does not substantially match a predefined second code;

requesting a third code from the one or more devices with whose details the payment card is configured, in the event the first code substantially matches the second code;

comparing the third code with a predefined fourth code;

refusing to make the payment in the event the third code does not substantially match the fourth code; and

authorizing the payment in the event the third code substantially matches the fourth code.

11. A computer program product stored in a medium readable by a computer machine, the computer program product tangibly embodying readable program means by causing the computer to perform the method comprising:

requesting a first code from a user on receipt of a payment request made with a payment card configured with a one or more details of a one or more devices in the possession of a one or more owners of the card;

refusing to make the payment in the event the first code does not substantially match a predefined second code;

requesting a third code from the one or more devices with whose details the payment card is configured, in the event the first code substantially matches the second code;

comparing the third code with a predefined fourth code;

refusing to make the payment in the event the third code does not substantially match the fourth code; and

authorizing the payment in the event the third code substantially matches the fourth code.

12. The product as claimed in claim 11, wherein the method further comprises configuring the payment card with a phone number of a mobile phone of the owner of the card;

and requesting a third code comprises making a call to the mobile phone and waiting for a preconfigured answer to the call.

13. The product as claimed in claim 12 wherein comparing the third code with a predefined fourth code comprises comparing the third code with a predefined vocal password.

14. The product as claimed in claim 12, wherein requesting a third code comprises sending an SMS message to the mobile phone and waiting for a preconfigured answer to the SMS message.

15. The product as claimed in claim 14 wherein comparing the third code with a predefined fourth code comprises comparing the third code with a predefined SMS message.

16. The product as claimed in claim 11 wherein the method further comprises configuring the payment card with an International Mobile Equipment Identity (IMEI) code of a mobile phone of the owner of the card and wherein requesting a third code comprises attempting to establish a bluetooth connection with the mobile phone;

and wherein comparing the third code with a predefined fourth code comprises comparing an International Mobile Equipment Identity (IMEI) code retrieved from the mobile phone with the IMEI with which the payment card is configured.

17. The product as claimed in claim 11 wherein the method further comprises configuring the payment card with an identifier of a radio frequency identification tag on the person of an owner of the card;

and wherein requesting a third code comprises attempting to read a code from the radio frequency identification tag.