System and method for mobile commerce using SMS and voice hybrid communication

• US 20100325007A1
• Filed: 06/22/2010
• Published: 12/23/2010
• Est. Priority Date: 06/23/2009
• Status: Abandoned Application

• Current Assignee: TATA Consultancy Services Limited (Tata Sons Pvt Ltd.)
• Original Assignee: TATA Consultancy Services Limited (Tata Sons Pvt Ltd.)
• Inventors: Ramaswamy, Satyanarayanan
• Application Number:
  US12/803,209
• Publication Number:
  US 20100325007A1
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215
• CPC Class Codes: H04M 7/0048 where the text-based messaging service is a Short Message Service
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 4/14 Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Abstract

This invention relates in general to mobile commerce, and more specifically to a system and method that uses a combination of SMS messages and voice channel communication to convey user account authentication and/or user account details. By using this invention, sending authentication information of the user over SMS is avoided. The user interacts with the commerce server system by exchanging SMS messages to identify the product he wants to buy and to issue the request to buy the product. To obtain the authentication information from the user, the commerce server system either initiates a voice call to the user or asks the user to call the system. Once the voice call is established, authentication information is obtained over the voice call by the user entering the information on the mobile'"'"'s keypad and the commerce server system detecting the entered information and completing the commerce transaction if the authentication information is accurate.

Claims

1. A system and method for mobile commerce using SMS and voice hybrid communication wherein user authentication information is carried over only voice channels, the system comprising of a mobile terminal and a commerce server system, the method comprising of the user identifying the product he wants to buy by exchanging SMS messages with the commerce server system and then issuing a command in an SMS message to the commerce server system to buy the product, the commerce server system sending a response SMS message back asking the user asking him to call a specific phone number, and upon the user calling that number, asking the user to enter the authentication information while in the voice call, detecting the user entered information, and completing the commerce transaction if the authentication information is accurate.

2. A system and method for mobile commerce using SMS and voice hybrid communication wherein user authentication information is carried over only voice channels, the system comprising of a mobile terminal and a commerce server system, the method comprising of the user identifying the product he wants to buy by exchanging SMS messages with the commerce server system and then issuing a command in a SMS message to the commerce server system to buy the product, the commerce server system calling the user on the mobile number from where SMS messages were exchanged, and upon the user answering the call, asking the user to enter the authentication information while in the voice call, detecting the user entered information, and completing the commerce transaction if the authentication information is accurate.