FINANCIAL TRANSACTIONS USING A COMMUNICATION DEVICE
First Claim
1. A computer-implemented method of conducting a financial transaction, the method on a financial transaction server comprising:
- assigning, using a preauthorization by a payor associated with an authorized payor telephone identifier, a designator of a value for a subsequent transaction between the payor and at least one payee;
receiving at a specified Direct Inward Dial (DID) telephone number associated with a transaction type a telephone call with the authorized payor telephone identifier;
in response to receiving the telephone call, sending at least one transaction code to the payor;
receiving from the payee the transaction code; and
in response to receiving the transaction code, re-assigning the designator of the value to the payee.
1 Assignment
0 Petitions
Accused Products
Abstract
A computer implemented system provides a method of conducting a financial transaction. The method begins when the system assigns a designator of a value using a preauthorization by a payor. The system associates the payor with an authorized payor telephone identifier. When the system receives a telephone call with the authorized payor telephone identifier at a specified Direct Inward Dial (DID) telephone number associated with a transaction type, the system responds by sending at least one transaction code to the payor. When the system receives the transaction code from the payee, the designator of value is re-asssigned to from the payor to the payee. The system allows the transaction code to be delivered directly from the payor to the payee or sent automatically to the payee. Each DID telephone number represents different transaction types such as Automatic Teller Machine (ATM), Person-To-Person (P2P), merchant transactions, vending transactions and other types of transactions.
95 Citations
35 Claims
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1. A computer-implemented method of conducting a financial transaction, the method on a financial transaction server comprising:
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assigning, using a preauthorization by a payor associated with an authorized payor telephone identifier, a designator of a value for a subsequent transaction between the payor and at least one payee; receiving at a specified Direct Inward Dial (DID) telephone number associated with a transaction type a telephone call with the authorized payor telephone identifier; in response to receiving the telephone call, sending at least one transaction code to the payor;
receiving from the payee the transaction code; andin response to receiving the transaction code, re-assigning the designator of the value to the payee. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A computer-implemented method of conducting a financial transaction, the method on a financial transaction server comprising:
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receiving using a Voice Over IP (VoIP) platform at a specified Direct Inward Dial (DID) telephone number associated with an Automatic Teller Machine (ATM) transaction from a telephone call from a user wishing to receive a quantity of a marketable commodity from a designated ATM; receiving a signal that a given transaction code is entered by the user of the ATM; and sending a notification message over a network for the ATM to dispense the quantity of the marketable commodity in response to receiving the signal. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34)
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35. A computer-implemented method of conducting a financial transaction, the method on a financial transaction server comprising:
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assigning, using a preauthorization by a payor associated with an authorized payor telephone identifier, a designator of a value for a subsequent transaction between the payor and at least one payee; receiving at a specified Direct Inward Dial (DID) telephone number associated with a transaction type a telephone call with the authorized payor telephone identifier; in response to receiving the telephone call, re-assigning the designator of the value to a payee;
automatically calling the payee to deliver information regarding the re-assigning of the designator of value; andreceiving a response from the payee that the information was received.
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Specification