Method and apparatus for authorizing transactions using transaction phrases in a transaction authorization service
First Claim
1. A system, comprising:
- a processor; and
a memory comprising program instructions, wherein the program instructions are executable by the processor to implement a transaction authorization service configured to;
receive a message indicating initiation of a transaction between a source entity and a target entity, wherein the message is received via a first communications channel;
send an authorization request message indicating a request for authorization of the transaction to a communications device of the source entity via a second communications channel, wherein the authorization request message is not sent to the target entity;
determine that the authorization request message was not responded to by the source entity;
in response to said determining that the authorization request message was not responded to by the source entity, generate a transaction phrase for the transaction, wherein the transaction phrase uniquely identifies the transaction to the transaction authorization service;
send a message indicating the transaction phrase to the source entity;
receive a message from the source entity, wherein the message from the source entity includes the transaction phrase to identify the transaction; and
in response to said receiving the message including the transaction phrase from the source entity, resend the authorization request message indicating the request for authorization of the same transaction to the communications device of the source entity via the same second communications channel.
1 Assignment
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Accused Products
Abstract
A transaction processing and authorization service. If a source entity does not respond to an authorization attempt via a communications channel, the service may generate a transaction phrase corresponding to the transaction and communicate the transaction phrase to the source entity. The transaction phrase may also be stored by the service and associated with the source entity'"'"'s account and the particular transaction as initiated, and may be used to identify the transaction. After receiving the transaction phrase, the source entity may then, if desired, return the transaction phrase to the service. Upon receiving the transaction phrase from the source entity, the service may then contact the source entity via the communications channel to authorize the transaction. As an alternative, a source entity may submit a replay command to the service to replay any pending transactions.
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Citations
24 Claims
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1. A system, comprising:
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a processor; and a memory comprising program instructions, wherein the program instructions are executable by the processor to implement a transaction authorization service configured to; receive a message indicating initiation of a transaction between a source entity and a target entity, wherein the message is received via a first communications channel; send an authorization request message indicating a request for authorization of the transaction to a communications device of the source entity via a second communications channel, wherein the authorization request message is not sent to the target entity; determine that the authorization request message was not responded to by the source entity; in response to said determining that the authorization request message was not responded to by the source entity, generate a transaction phrase for the transaction, wherein the transaction phrase uniquely identifies the transaction to the transaction authorization service; send a message indicating the transaction phrase to the source entity; receive a message from the source entity, wherein the message from the source entity includes the transaction phrase to identify the transaction; and in response to said receiving the message including the transaction phrase from the source entity, resend the authorization request message indicating the request for authorization of the same transaction to the communications device of the source entity via the same second communications channel. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A computer-implemented method, comprising:
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receiving, by one or more computers implementing a transaction authorization service, a message indicating initiation of a transaction between a source entity and a target entity, wherein the message is received via a first communications channel; sending, by the one or more computers, an authorization request message indicating a request for authorization of the transaction from the transaction authorization service to a communications device of the source entity via a second communications channel, wherein the authorization request message is not sent to the target entity; determining, by the one or more computers, that the authorization request message was not responded to by the source entity; in response to said determining that the authorization request message was not responded to by the source entity, generating, by the one or more computers, a transaction phrase for the transaction, wherein the transaction phrase uniquely identifies the transaction to the transaction authorization service; sending, by the one or more computers, a message indicating the transaction phrase to the source entity; receiving, by the one or more computers, a message from the source entity, wherein the message from the source entity includes the transaction phrase to identify the transaction; and in response to said receiving the message including the transaction phrase from the source entity, resending, by the one or more computers, the authorization request message indicating the request for authorization of the same transaction from the transaction authorization service to the communications device of the source entity via the same second communications channel. - View Dependent Claims (15, 16, 17)
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18. A computer-accessible storage medium comprising program instructions, wherein the program instructions are computer-executable to implement a transaction authorization service configured to:
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receive a message indicating initiation of a transaction between a source entity and a target entity, wherein the message is received via a first communications channel; send an authorization request message indicating a request for authorization of the transaction to a communications device of the source entity via a second communications channel, wherein the authorization request message is not sent to the target entity; determine that the authorization request message was not responded to by the source entity; in response to said determining that the authorization request message was not responded to by the source entity, generate a transaction phrase for the transaction, wherein the transaction phrase uniquely identifies the transaction to the transaction authorization service; send a message indicating the transaction phrase to the source entity; receive a message from the source entity, wherein the message from the source entity includes the transaction phrase to identify the transaction; and in response to said receiving the message including the transaction phrase from the source entity, resend the authorization request message indicating the request for authorization of the transaction to the communications device of the source entity via the same second communications channel. - View Dependent Claims (19, 20, 21)
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22. A computer-implemented method, comprising:
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receiving, by one or more computers implementing a transaction authorization service, a message from a source entity, wherein the message requests replay of authorization requests for pending transactions associated with the source entity, wherein each pending transaction is between the source entity and a target entity; wherein each pending transaction involved sending an authorization request message indicating a request for authorization of the transaction from the transaction authorization service to a communications device of the source entity, wherein the authorization request message was not sent to the target entity; in response to the message requesting replay of authorization requests for pending transactions associated with the source entity, determining, by the one or more computers, that there are two or more different pending transactions associated with the source entity; for each of the two or more pending transactions; resending, by the one or more computers, the authorization request message indicating the request for authorization of the transaction from the transaction authorization service to the communications device of the source entity, wherein the authorization request message is not sent to the target entity; and receiving, by the one or more computers, a response message indicating a response to the request for authorization from the source entity, wherein the response message includes information authorizing the transaction. - View Dependent Claims (23, 24)
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Specification