Management of financial transactions using debit networks

• US 8,055,581 B2
• Filed: 02/22/2007
• Issued: 11/08/2011
• Est. Priority Date: 02/22/2007
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Freisheim, Robert A. Jr., Royyuru, Vijay
• Primary Examiner(s): FELTEN, DANIEL S
• Application Number:
  US11/677,967
• Publication Number:
  US 20080208746A1
• Time in Patent Office: 1,720 Days
• Field of Search: 705/39, 455/456.1, 713/156
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless
• CPC Class Codes: H04L 9/3226 using a predetermined code, e.g. password, passphrase or PIN network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083

Abstract

Methods and systems are disclosed of enrolling a customer to perform an action. A first piece of information is received at an authentication processor from an over-the-air processor. The first piece of information was provided to the over-the-air processor by the customer from a mobile electronic device. A second piece of information is received at the authentication processor from a server different from the over-the-air processor. The second piece of information was provided to the server by the customer. The first and second pieces of information are associated by the authentication processor to enroll the customer.

Claims

1. A computer-readable storage medium having a computer-readable program embodied therein for directing operation of an authentication processor to enroll a customer to perform a financial transaction, the authentication processor including a communications system, a processor, and a storage device, wherein the computer-readable program includes:

instructions for receiving verification information at an over-the-air processor, the verification information identifying a mobile electronic device that is to be enrolled, wherein receiving verification information comprises receiving information input by the customer into a web site managed by the over-the-air processor

instructions for receiving a first piece of information at the authentication processor from the over-the-air processor, the first piece of information having been provided to the over-the-air processor by the customer from a mobile electronic device, wherein the first piece of information comprises a personal identification number associated with a financial account;

instructions for receiving a second piece of information at the authentication processor from a server different from the over-the-air processor, the second piece of information having been provided to the server by the customer, wherein the second piece of information comprises an account number of the financial account; and

instructions for using a combination of the first and second pieces of information received by the authentication processor to enroll the mobile electronic device of the customer.

2. The computer-readable storage medium recited in claim 1 wherein:

the second piece of information comprises an identification number extracted from a presentation instrument;

the first piece of information comprises a personal identification number associated with the financial account; and

the computer-readable program further includes instructions for translating the identification number to an account number of the financial account.

3. The computer-readable storage medium recited in claim 1 wherein the mobile electronic device comprises a cellular telephone.

4. The computer-readable storage medium recited in claim 1 wherein the server comprises an Internet web server.

5. The computer-readable storage medium recited in claim 1 wherein the over-the-air processor comprises a voice response unit that initiates a communications connection with the mobile electronic device.

7. The computer-readable storage medium recited in claim 1 wherein the computer-readable program further includes:

instructions for transmitting a Uniform Resource Locator link to the mobile electronic device in response to receiving the verification information at the over-the-air processor; and

instructions for receiving a response via the Uniform Resource Locator link to confirm the verification information.

6. A method of enrolling a customer to perform a financial transaction, the method comprising:

receiving verification information at an over-the-air processor, the verification information identifying a mobile electronic device that is to be enrolled, wherein receiving verification information comprises receiving information input by the customer into a web site managed by the over-the-air processor;

transmitting a Uniform Resource Locator link to the mobile electronic device in response to receiving the verification information at the over-the-air processor;

receiving a response via the Uniform Resource Locator link to confirm the verification information;

receiving a first piece of information at an authentication processor from the over-the-air processor, the first piece of information having been provided to the over-the-air processor by the customer from the mobile electronic device, wherein the first piece of information comprises a personal identification number associated with a financial account;

receiving a second piece of information at the authentication processor from a server different from the over-the-air processor, the second piece of information having been provided to the server by the customer, wherein the second piece of information comprises an account number of the financial account; and

using a combination of the first and second pieces of information received by the authentication processor to enroll the mobile electronic device of the customer.

8. The method recited in claim 6 wherein:

the second piece of information comprises an identification number extracted from a presentation instrument;

the first piece of information comprises a personal identification number associated with the financial account; and

the method further comprises translating the identification number to an account number of the financial account.

9. The method recited in claim 6 wherein the mobile electronic device comprises a cellular telephone.

10. The method recited in claim 6 wherein the server comprises an Internet web server.

11. The method recited in claim 6 wherein the over-the-air processor comprises a voice response unit that initiates a communications connection with the mobile electronic device.