ANONYMOUS TRANSACTION PAYMENT SYSTEMS AND METHODS

• US 20110119190A1
• Filed: 11/17/2010
• Published: 05/19/2011
• Est. Priority Date: 11/18/2009
• Status: Abandoned Application

• Current Assignee: Magid Joseph Mina
• Original Assignee: Magid Joseph Mina
• Inventors: Mina, Magid Joseph
• Application Number:
  US12/948,649
• Publication Number:
  US 20110119190A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/383 Anonymous user system
• 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

Abstract

Disclosed are methods, apparatus, systems, and non-transitory, tangible computer-readable media associated with use of transaction authorization codes to each of the parties involved in a buying and selling transaction. In various embodiments, the transaction authorization code(s) may be exchanged between parties, and once confirmed or validated, the transaction may be consummated. In one embodiment, the transaction authorization code may conceal personal and/or financial information about a party with whom the code is associated. In various embodiments, transaction authorization codes may be used on shared or separate devices. In various embodiments transaction authorization codes may be entered through web-based interfaces or using mobile devices.

Claims

1. A computer-implemented method for facilitating a transaction, the method comprising:

receiving, by a computing device, information identifying a buyer who wishes to partake in a transaction;

verifying, by the computing device, an identity of the buyer;

receiving from the buyer, by the computing device, a unique transaction authorization code which is associated with a seller and a transaction;

verifying, by the computing device, that the unique transaction authorization code is valid; and

completing, by the computing device, the identified transaction between the buyer and the identified seller.

2. The method claim 1, wherein receiving information identifying the buyer comprises receiving an identification of a device associated with the buyer.

3. The method of claim 2, wherein receiving an identification of a device associated with the buyer comprises receiving a communication from a near field communications or radio-frequency identification device associated with the buyer.

4. The method of claim 1, wherein receiving information identifying the buyer comprises receiving a personal identification number entered by the buyer.

5. The method of claim 1, further comprising providing, by a computing device, a web-based buyer-identification interface.

6. The method of claim 1, wherein receiving information identifying the buyer comprises receiving login and password information for the buyer.

7. The method of claim 1, wherein:

the unique transaction authorization code is associated with a first transaction amount;

the method further comprises presenting, by the computing device, the first transaction amount to the buyer; and

completing a transaction between the buyer and the identified seller comprises completing, by the computing device, a monetary transaction between the buyer and the identified seller for the first transaction amount.

8. The method of claim 7, further comprising receiving, by the computing device, a second transaction amount from the buyer;

and

wherein completing a transaction between the buyer and the identified seller comprises completing, by the computing device, a monetary transaction between the buyer and the identified seller for the second transaction amount.

9. The method of claim 1, wherein:

the unique transaction authorization code is associated with a time limit; and

completing a transaction between the buyer and identified seller comprises;

determining, by the computing device, whether the computing device has received the unique transaction authorization code within the time limit; and

if computing device has received the unique transaction authorization code within the time limit, the computing device completing the transaction.

10. The method of claim 1, further comprising:

receiving, by the computing device, an identification of the seller and the transaction; and

generating, by the computing device, the unique transaction authorization code to be associated with the seller and the transaction.

11. The method of claim 10, further comprising:

receiving, by the computing device, an identification of a transaction amount; and

generating the unique transaction authorization code further comprises the computing device generating the unique transaction authorization code based at least in part on the identification of the transaction amount.

12. The method of claim 10, wherein:

generating the unique transaction authorization code further comprises the computing device generating the unique transaction authorization code to have one or more blanks in it;

receiving a unique transaction authorization code comprises receiving, by the computing device, the unique transaction authorization code with the one or more blanks filled in with personal identifying information from the buyer; and

verifying that the unique transaction authorization code is valid comprises the computing device verifying the generated unique transaction authorization code and the personal identifying information.

13. A computer-implemented method for facilitating a transaction, the method comprising:

transmitting, by a computing device, a unique seller transaction authorization code to a seller for a specified transaction;

transmitting, by the computing device, a unique buyer transaction authorization code to a buyer for the specified transaction;

providing, by the computing device, an interface for entering transaction authorization codes;

responsive to receiving the buyer transaction authorization code and the seller transaction authorization code through the interface, determining whether the buyer transaction authorization code and the seller transaction authorization code are valid; and

responsive to determining that the buyer transaction authorization code and the seller transaction authorization code are valid, completing the transaction between the buyer and seller.

14. The method of claim 13, further comprising generating, by the computing device, the buyer transaction authorization code and the seller transaction authorization code.

15. The method of claim 13, wherein determining whether the buyer transaction authorization code and the seller transaction authorization code are valid comprises:

determining, by the computing device, whether one of either the buyer transaction authorization code or the seller transaction authorization code has been received by the computing device before; and

if either one of the buyer transaction authorization code or the seller transaction authorization code has been received by the computing device before, determining, by the computing device, that the previously-received transaction authorization code is invalid.

16. The method of claim 13, further comprising receiving, by the computing device, one or more personal identification numbers for the buyer and/or the seller through the interface.

17. A system for facilitating a transaction, the system comprising:

one or more computer processors;

a code information storage coupled to the one or more computer processors and configured to store one or more unique transaction authorization codes;

a code generator module configured, upon execution by the one or more processors, to generate a unique transaction authorization code associated with a seller and a transaction;

an interface generator module configured, upon execution by the one or more processors, to;

receive information identifying a buyer who wishes to partake in a transaction; and

receive from the buyer the unique transaction authorization code associated with the seller and the transaction;

a transaction facilitator module configured, upon execution by the one or more processors, to complete the identified transaction between the buyer and the seller.

18. The system of claim 17, wherein the interface generator module is further configured to receive an identification of a device associated with the buyer.

19. The system of claim 17, wherein:

a code generator module is further configured to associate the unique transaction authorization code with a first transaction amount; and

the interface generator module is further configured to;

present the first transaction amount to the buyer; and

receive a second transaction amount from the buyer; and

the transaction facilitator module is further configured to complete a monetary transaction between the buyer and the identified seller for the second transaction amount.

20. One or more computer-readable media which, responsive to execution by one or more computer processors, cause the processors to perform a computer-implemented method for facilitating a transaction, the method comprising:

receiving information identifying a buyer who wishes to partake in a transaction;

verifying an identity of the buyer;

receiving from the buyer a unique transaction authorization code which is associated with a seller and a transaction;

verifying that the unique transaction authorization code is valid; and

completing the identified transaction between the buyer and identified seller.

21. The computer-readable media of claim 20, wherein the method further comprises receiving an identification of a device associated with the buyer.

22. The computer-readable media of claim 20, wherein:

the unique transaction authorization code is associated with a first transaction amount; and

the method further comprises;

presenting the first transaction amount to the buyer;

receiving a second transaction amount from the buyer; and

completing a monetary transaction between the buyer and the identified seller for the second transaction amount.