Banking computer account system with lock for secure payment via telephone
First Claim
1. A banking computer account system for secure payment via telephone, the system comprising:
- a telephone (1) of a user, wherein said telephone is assigned a private telephone number (6);
a public communication system (2),a financial computer account system (3) of a financial institution, said financial computer account system storing unlock information of said user in a memory (3-3), and wherein said user is connected to said financial computer account system using said telephone via said public communication system; and
a user account of said financial computer account system belonging to said user, wherein said user account is normally in a locked state preventing withdrawal from said user account, wherein said financial computer account system is arranged to determine if said private telephone number of said telephone matches said stored unlock information, and wherein said financial computer account system is further arranged to unlock said user account allowing withdrawals for a predefined time when it is determined there is said match, whereby secure payment is achieved.
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Accused Products
Abstract
A banking computer system with lock for secure payment via telephone and corresponding method, the system includes a telephone (1), a public communication system (2), a financial computer account system (3), wherein the financial computer account system (3) usually locks its user account (3-7), assigns a private phone number (6) to a user, and sets unlock information (8) associated with the user account (3-7) in the system. Once the user is connected to the financial computer account system (3) using the telephone (1) with the private phone number (6) through the public communication system (2), the financial computer account system (3) will check the unlock information (8) according to a predefined program, if the unlock information (8) is authenticated, the user account (3-7) will be unlocked for a predefined time, otherwise, the user account cannot be unlocked, the secure payment is therefore achieved by adding an unlock procedure which can be controlled by user.
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Citations
31 Claims
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1. A banking computer account system for secure payment via telephone, the system comprising:
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a telephone (1) of a user, wherein said telephone is assigned a private telephone number (6); a public communication system (2), a financial computer account system (3) of a financial institution, said financial computer account system storing unlock information of said user in a memory (3-3), and wherein said user is connected to said financial computer account system using said telephone via said public communication system; and a user account of said financial computer account system belonging to said user, wherein said user account is normally in a locked state preventing withdrawal from said user account, wherein said financial computer account system is arranged to determine if said private telephone number of said telephone matches said stored unlock information, and wherein said financial computer account system is further arranged to unlock said user account allowing withdrawals for a predefined time when it is determined there is said match, whereby secure payment is achieved. - View Dependent Claims (2, 3, 4, 5)
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6. A method for secure payment via telephone, said method comprising:
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storing unlock information associated with a user financial account in a financial computer account system of a financial institution; locking said financial account of said user by said financial computer account system, said locking preventing withdrawals from said financial account; receiving, at said financial computer account system, a telephone call from a telephone of said user; identifying a private telephone number assigned to said telephone of said user; determining if said identified private telephone number matches said stored unlock information; and unlocking, by said financial computer account system, said financial account and allowing withdrawals for a predefined time when it is determined that said identified private telephone number matches said stored unlock information.
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7. A method for secure payment via telephone using an existing financial computer account system (3) in an existing financial institution, a public communication system (2) and a telephone (1), said method comprising:
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storing unlock information set (8) associated with the account (3-7) of a specific user in the financial computer account system (3), assigning, by the financial computer account system (3), a private phone number (6) to the user, said private phone number being included in said unlock information set; dialing, by said specific user, from the assigned private phone number (6) of the telephone (1) the financial computer account system; checking, by the financial computer account system (3), whether or not an information set for the private phone number (6) matches the stored unlock information set (8); unlocking the user account if there is said match for a predefined time; and locking said user account after said predefined time has elapsed. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A computer account system with security via an electronic means, the system includes:
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a financial computer account system (a) having a plurality of accounts wherein the accounting state of an individual account may be sets; one or more receivers (b) connected to said financial computer account system for receiving instructions to activate one of said accounts; a subsystem (c) connected to the financial computer account system for processing electronic transactions, the subsystem for processing electronic transactions including on-line or off-line transaction terminals (d); a wireless electronic device (e) arranged to send codes with which account holders send instructions to activate said accounts of the financial computer account system (a) via the electronic means; and a customer database recording said codes of the wireless electronic device (e). - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
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Specification