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Banking computer account system with lock for secure payment via telephone

  • US 7,712,655 B2
  • Filed: 03/30/2006
  • Issued: 05/11/2010
  • Est. Priority Date: 01/20/2004
  • Status: Active Grant
First Claim
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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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