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System and method of using the public switched telephone network in providing authentication or authorization for online transaction

DC
  • US 7,574,733 B2
  • Filed: 06/15/2005
  • Issued: 08/11/2009
  • Est. Priority Date: 12/15/1999
  • Status: Expired due to Term
First Claim
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1. An authorization system comprising:

  • first and second electronic networks which are, at least in part, different;

    first and second terminals, with each terminal associated with a respective network;

    instructions for receiving an inquiry from the first terminal, via the first network;

    instructions for establishing a communications link, on the second network, with the second terminal;

    instructions for transmitting confirmatory information, via one of the networks, to the respective terminal with a request that the information be returned via the other network;

    instructions for receiving the information, via the other network from a respective terminal; and

    instructions, responsive to the received information for conducting an authorization process and for generating an authorization related indicium.

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