Alternative payment method for online transactions using interactive voice response

• US 9,330,387 B2
• Filed: 06/23/2014
• Issued: 05/03/2016
• Est. Priority Date: 03/28/2012
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Dayalan, Joel Garner
• Primary Examiner(s): Norman, Samica L
• Application Number:
  US14/312,309
• Publication Number:
  US 20140304166A1
• Time in Patent Office: 680 Days
• Field of Search: 705/14.26, 705/65, 705/67, 379/88.04, 235/380
• US Class Current: 1/1
• CPC Class Codes: G06F 3/167 Audio in a user interface, e.g. using voice commands for navigating, audio feedback
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215
• CPC Class Codes: H04M 3/42382 Text-based messaging services in telephone networks such as PSTN/ISDN, e.g. User-to-User Signalling or Short Message Service for fixed networks
• CPC Class Codes: H04M 3/493 Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals

Abstract

A method for performing payments in remote transactions between a buyer and a vendor is provided. The method includes receiving buyer information from a vendor'"'"'s network outlet when the buyer indicates a desire to purchase a selection at a later time through an Interactive Voice Response (IVR) center; providing a token to the buyer; receiving information about the token from the buyer through the IVR center; verifying the information about the token; transferring funds from a buyer account to a vendor account. Also provided is a system for processing payments in remote transactions including an IVR center to: receive a request for token from a buyer to purchase products from a vendor, and to receive information about the product; provide the token to the buyer; access a database, the database including information from vendor'"'"'s and buyer'"'"'s accounts; transfer funds from buyer'"'"'s account to vendor'"'"'s account upon buyer confirmation.

Claims

1. A method for implementing electronic transactions, the method comprising:

receiving, by a computer system of a service provider via an electronic communication network, a purchase selection selected by a buyer at a website of a vendor and an indication that the buyer activates an option on the website to pay for the purchase selection later;

in response to receiving the purchase selection and the indication to pay later, generating, by the computer system of the service provider, a token which includes an unique code that identifies the purchase selection selected by the buyer;

transmitting, by the computer system of the service provider via the electronic communication network, the token which identifies the purchase selection to a communication device of the buyer;

receiving, by the computer system of the service provider via the electronic communication network, a payment request and the token from the communication device of the buyer;

associating the payment request with the purchase selection based on the token; and

processing, by the computer system of the service provider, a payment to the vendor for the purchase selection.

2. The method of claim 1, further comprising:

verifying the token received with the payment request against the token generated for the purchase selection; and

canceling the payment to the vendor when the token received with the payment request is not verified.

3. The method of claim 1, further comprising:

verifying an identification of the buyer with an identification of the buyer stored in a memory of the service provider; and

canceling the payment to the vendor when the identification of the buyer is not verified.

4. The method of claim 3, wherein the identification of the buyer is one of a telephone number and an e-mail address associated with the buyer.

5. The method of claim 1, wherein the token includes a plain language description of the purchase selection.

6. The method of claim 1, wherein the payment request and the token are received via an Interactive Voice Response (IVR) center.

7. The method of claim 1, wherein the token has an expiration time and wherein the payment to the vendor is canceled when the token has expired.

8. The method of claim 1, wherein the token includes a geographic restriction, and the method further comprising:

canceling the payment to the vendor when the payment request and the token are received via an IVR system from a location outside of the geographic restriction of the token.

9. A system for processing payment transactions between a buyer and a vendor, the system comprising:

a server comprising a processor operable to;

receive, via an electronic communication network, a purchase selection selected by the buyer at a website of a vendor and an indication that the buyer activates an option on the website to pay for the purchase selection later;

in response to receiving the purchase selection and the indication to pay later, generate a token which includes an unique code that identifies the purchase selection selected by the buyer;

transmit, via the electronic communication network, the token which identifies the purchase selection to a communication device of the buyer;

receive, via the electronic communication network, a payment request and the token from the communication device of the buyer;

associate the payment request with the purchase selection based on the token; and

process the payment to the vendor for the purchase selection.

10. The system of claim 9, the processor of the server is further operable to:

verify the token received with the payment request against the token generated for the purchase selection; and

cancel the payment to the vendor when the token received with the payment request is not verified.

11. The system of claim 9, wherein

a memory coupled to the server stores an identification of the buyer;

and

the processor of the server is further operable to;

verify an identification of the buyer with an identification of the buyer stored in a memory of the service provider; and

cancel the payment to the vendor when the identification of the buyer is not verified.

12. The system of claim 11, wherein the identification of the buyer is one of a telephone number and an e-mail address associated with the buyer.

13. The system of claim 9, wherein the token includes a plain language description of the purchase selection.

14. The system of claim 9, wherein the payment request and the token are received via an Interactive Voice Response center (IVR).

15. The system of claim 9, wherein the token has an expiration time and wherein the payment to the vendor is canceled when the token has expired.

16. The system claim 9, wherein the token includes a geographic restriction, and the processor of the server is further operable to:

cancel the payment to the vendor when the payment request and the token are received from a location outside of the geographic restriction of the token.

17. A non-transitory machine readable medium having stored thereon machine readable instructions executable to cause a machine to perform operations comprising:

receiving, via an electronic communication network, a purchase selection selected by a buyer at a website of a vendor and an indication that the buyer activates an option on the website to pay for the purchase selection later;

in response to receiving the purchase selection and the indication to pay later, generating a token which includes an unique code that identifies the purchase selection selected by the buyer;

transmitting the token which identifies the purchase selection to a communication device of the buyer via the electronic communication network;

receiving a payment request and the token from the communication device of the buyer via the electronic communication network;

associating the payment request with the purchase selection based on the token; and

processing the payment to the vendor for the purchase selection.

18. The computer program product of claim 17, wherein the method further comprising:

verifying the token received with the payment request against the token generated for the purchase selection; and

canceling the payment to the vendor when the token received with the payment request is not verified.

19. The computer program product of claim 17, wherein the token has an expiration time and wherein the payment to the vendor is canceled when the token has expired.

20. The computer program product of claim 17, wherein the token includes a geographic restriction, and the method further comprising:

canceling the payment to the vendor when the payment request and the token are received from a location outside of the geographic restriction of the token.