SECURE AUTHENTICATION AND PAYMENT SYSTEM

• US 20100114681A1
• Filed: 01/08/2010
• Published: 05/06/2010
• Est. Priority Date: 07/06/2001
• Status: Active Grant

• Current Assignee: Aliaswire, Inc.
• Original Assignee: Hossein Mohsenzadeh
• Inventors: Mohsenzadeh, Hossein
• Granted Patent: US 8,401,963 B2
• Time in Patent Office: Days
• US Class Current: 705/14.400
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/305 using wired telephone networks
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.

Claims

1. A method of selling resources, comprising

A. accepting from an originator a message identifying a resource to be purchased;

B. authenticating said message by means of at least a geographically unique telephone identifier;

C. authorizing the transfer of a resource to said originator responsive to authentication of said message.

2. A method of selling resources according to claim 1 in which said message identifies said resource by means of a resource number.

3. A method of selling resources according to claim 1 in which said originator sends said message via a telephone.

4. A method of selling resources according to claim 3 in which said originator telephones said message from a site at which said resource is displayed.

5. A method of selling resources according to claim 3 in which said originator telephones said message from a site remote from the site at which said resource is displayed.

6. A method of selling resources according to claim 3 in which said resource number is supplied to said originator via broadcast advertisement.

7. A method of selling resources according to claim 3 in which said resource number is supplied to said originator via print advertisement.

8. A method of facilitating transactions between an initiator and a target, comprising:

A. receiving a call in connection with a transaction to be initiated, said call identifying an entity to be held accountable for the transaction;

B. searching a database for information concerning telephone devices in said database associated with said entity;

C. placing a call to a telephone device registered to said entity in order to authenticate said entity.

9. The method of claim 8 in which authenticating said entity includes approving said transaction.

10. The method of claim 9 in which the entity placing the transaction-initiating call differs from the entity that is to be held accountable for the transaction.

11. The method of claim 10 in which the entity to be held accountable for the transaction comprises a parent and the entity initiating the call is a child.

12. The method of claim 10 in which the entity to be held accountable for the transaction is a supervisor and the entity initiating the call is a supervisee.

13. The method of claim 8 in which said call is received from an entity seeking to purchase goods or services from a merchant.

14. The method of claim 8 in which said call is received from a merchant seeking authorization for the sale of goods or services to the designated entity.

15. The method of claim 8 in which said call is received from a merchant seeking authorization for the sale of goods or services to a surrogate of the designated entity.

16. The method of claim 8 in which the transaction-initiating call is received from a telephone device whose Caller ID is blocked from transmission in connection with such call.