REMOTE AUTHENTICATION FOR POINT OF SALE MACHINE USING A MOBILE NUMBER THROUGH UNSTRUCTURED SUPPLEMENTARY SERVICE DATA
First Claim
1. A method of a user remotely authenticating an invoice amount for a sales transaction with a merchant through a mobile device using an unstructured supplementary service data session initiated by a telecom service provider, the method comprising the steps of:
- the telecom service provider receiving a transaction request comprising at least a mobile phone number and the invoice amount from a point of sale machine at the merchant;
the telecom service provider identifying the user from the mobile phone number received;
the telecom service provider generating a one-time purchase identification associated with the invoice and sending the one-time purchase identification to the user through the mobile device;
the telecom service provider initiating an interactive unstructured supplementary service data session with the user through a gateway;
the telecom service provider sending a menu with transaction details on the user'"'"'s mobile device through the data session;
the telecom service provider receiving a password from the user through the unstructured supplementary service data session, deducting the invoice amount from a financial account associated with the user and transferring the invoice amount to a financial account associated with the merchant; and
the telecom service provider sending an acknowledgement of payment of the invoice to the point of sale machine.
1 Assignment
0 Petitions
Accused Products
Abstract
Remotely authenticating an invoice amount for a sales transaction with a merchant through a mobile device of a user using a USSD session initiated by a telecom service provider. The provider receives a transaction request of at least a mobile phone number and invoice amount from a POS machine at the merchant. The provider identifies the user from the mobile number and generates a one-time purchase ID associated with the invoice and sends the purchase ID to the user through the mobile device. The provider initiates an interactive USSD session with the user through a gateway and sends a menu with transaction details and financial account list on the user'"'"'s mobile device within the session including multiple financial accounts registered to the user. The provider receives a password from the user through the session and deducts the invoice amount from a user'"'"'s account and transfers the funds to the merchant.
13 Citations
20 Claims
-
1. A method of a user remotely authenticating an invoice amount for a sales transaction with a merchant through a mobile device using an unstructured supplementary service data session initiated by a telecom service provider, the method comprising the steps of:
-
the telecom service provider receiving a transaction request comprising at least a mobile phone number and the invoice amount from a point of sale machine at the merchant; the telecom service provider identifying the user from the mobile phone number received; the telecom service provider generating a one-time purchase identification associated with the invoice and sending the one-time purchase identification to the user through the mobile device; the telecom service provider initiating an interactive unstructured supplementary service data session with the user through a gateway; the telecom service provider sending a menu with transaction details on the user'"'"'s mobile device through the data session; the telecom service provider receiving a password from the user through the unstructured supplementary service data session, deducting the invoice amount from a financial account associated with the user and transferring the invoice amount to a financial account associated with the merchant; and the telecom service provider sending an acknowledgement of payment of the invoice to the point of sale machine. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
12. A computer program product for a user to remotely authenticating an invoice amount for a sales transaction with a merchant through a mobile device using an unstructured supplementary service data session initiated by a telecom service provider comprising a telecom service provider computer comprising at least one processor, one or more memories, one or more computer readable storage media, the computer program product comprising a computer readable storage medium having program instructions embodied therewith, the program instructions executable by the computer to perform a method comprising:
-
receiving, by the telecom service provider computer, a transaction request comprising at least a mobile phone number and the invoice amount from a point of sale machine at the merchant; identifying, by the telecom service provider computer, the user from the mobile phone number received; generating, by the telecom service provider computer, a one-time purchase identification associated with the invoice and sending the one-time purchase identification to the user through the mobile device; initiating, by the telecom service provider computer, an interactive unstructured supplementary service data session with the user through a gateway; sending, by the telecom service provider computer, a menu with transaction details on the user'"'"'s mobile device through the unstructured supplementary service data session; receiving, by the telecom service provider computer, a password from the user through the unstructured supplementary service data session, deducting the invoice amount from a financial account associated with the user and transferring the invoice amount to a financial account associated with the merchant; and sending, by the telecom service provider computer, an acknowledgement of payment of the invoice to the point of sale machine. - View Dependent Claims (13, 14, 15, 16)
-
-
17. A computer system for a user to remotely authenticating an invoice amount for a sales transaction with a merchant through a mobile device using an unstructured supplementary service data session initiated by a telecom service provider comprising a telecom service provider computer comprising at least one processor, one or more memories, one or more computer readable storage media having program instructions executable by the computer to perform the program instructions comprising:
-
receiving, by the telecom service provider computer, a transaction request comprising at least a mobile phone number and the invoice amount from a point of sale machine at the merchant; identifying, by the telecom service provider computer, the user from the mobile phone number received; generating, by the telecom service provider computer, a one-time purchase identification associated with the invoice and sending the one-time purchase identification to the user through the mobile device; initiating, by the telecom service provider computer, an interactive unstructured supplementary service data session with the user through a gateway; sending, by the telecom service provider computer, a menu with transaction details on the user'"'"'s mobile device through the unstructured supplementary service data session; receiving, by the telecom service provider computer, a password from the user through the data session, deducting the invoice amount from a financial account associated with the user and transferring the invoice amount to a financial account associated with the merchant; and sending, by the telecom service provider computer, an acknowledgement of payment of the invoice to the point of sale machine. - View Dependent Claims (18, 19, 20)
-
Specification