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CONDUCTING FINANCIAL TRANSACTIONS BY TELEPHONE

  • US 20160005023A1
  • Filed: 07/07/2014
  • Published: 01/07/2016
  • Est. Priority Date: 07/07/2014
  • Status: Abandoned Application
First Claim
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1. A computer-implemented method for completing financial transactions by telephone, comprising:

  • receiving, by one or more computing devices operated by an account management system and from one or more computing devices operated by a merchant, a request for user data to complete a financial transaction between a user and the merchant, the request for user data comprising a telephone identification number associated with a telephone operated by the user when the user indicated a desire to complete the financial transaction with the merchant;

    determining, by the one or more computing devices, a user account associated with the telephone identification number;

    reviewing, by the one or more computing devices, the user account associated with the telephone identification number to determine whether the user provided all data requested by the merchant in the request for user data;

    transmitting, by the one or more computing devices and to a computing device operated by the user, a request for authorization to transmit the user data to the merchant;

    receiving, by the one or more computing devices and from the computing device operated by the user, authorization to transmit the user data to the merchant; and

    transmitting, by the one or more computing devices and to the one or more computing device operated by the merchant, the user data to complete the financial transaction between the user and the merchant.

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