Method and apparatus for secure transaction management
First Claim
Patent Images
1. A method comprising:
- receiving an authorization code request and a mobile terminal identifier to initiate a transaction, the received mobile terminal identifier being associated with a mobile terminal, the authorization code request comprising a requested currency amount to facilitate the transaction;
verifying, by a processor, that the mobile terminal identifier is registered with an account, the mobile terminal identifier and a customer verification number being associated with the account, the customer verification number having not been included in the authorization code request;
generating an authorization code in response to verifying that the mobile terminal identifier is registered;
storing the authorization code in association with the account;
providing for transmission of the authorization code to the mobile terminal;
receiving a verification request from a point of sale terminal in response to the point of sale terminal receiving a request for purchase of goods or services, the verification request including a received authorization code, a received customer verification number, and one or more purchase parameters associated with the goods or services requested for purchase, provided to the point of sale terminal by a user;
verifying that the received authorization code matches the authorization code stored in association with the account, and the received customer verification number matches the customer verification number associated with the account;
verifying that the purchase parameters do not violate one or more predetermined restrictions defined to prohibit or limit the purchase of the goods or services; and
providing for transmission of a verification reply to the point of sale terminal to authorize the transaction in response to verifying that the received authorization code matches the authorization code stored in association with the account, the received customer verification number matches the customer verification number associated with the account and that the purchase parameters do not violate the predetermined restrictions defined to prohibit or limit the purchase of the goods or services associated with the transaction.
2 Assignments
0 Petitions
Accused Products
Abstract
Methods and apparatuses for secure transaction management are provided. An example method may include verifying that a mobile terminal identifier is registered with an account, generating an authorization code, and verifying that the received authorization code matches the authorization code stored in association with the account, and the received customer verification number matches the customer verification number associated with the account. The example method may also include providing for transmission of a verification reply to authorize the transaction.
40 Citations
23 Claims
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1. A method comprising:
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receiving an authorization code request and a mobile terminal identifier to initiate a transaction, the received mobile terminal identifier being associated with a mobile terminal, the authorization code request comprising a requested currency amount to facilitate the transaction; verifying, by a processor, that the mobile terminal identifier is registered with an account, the mobile terminal identifier and a customer verification number being associated with the account, the customer verification number having not been included in the authorization code request; generating an authorization code in response to verifying that the mobile terminal identifier is registered; storing the authorization code in association with the account; providing for transmission of the authorization code to the mobile terminal; receiving a verification request from a point of sale terminal in response to the point of sale terminal receiving a request for purchase of goods or services, the verification request including a received authorization code, a received customer verification number, and one or more purchase parameters associated with the goods or services requested for purchase, provided to the point of sale terminal by a user; verifying that the received authorization code matches the authorization code stored in association with the account, and the received customer verification number matches the customer verification number associated with the account; verifying that the purchase parameters do not violate one or more predetermined restrictions defined to prohibit or limit the purchase of the goods or services; and providing for transmission of a verification reply to the point of sale terminal to authorize the transaction in response to verifying that the received authorization code matches the authorization code stored in association with the account, the received customer verification number matches the customer verification number associated with the account and that the purchase parameters do not violate the predetermined restrictions defined to prohibit or limit the purchase of the goods or services associated with the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. An apparatus comprising:
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a processor; and a memory comprising computer software, which when executed by the processor causes the apparatus to; receive an authorization code request and a mobile terminal identifier to initiate a transaction, the mobile terminal identifier being associated with a mobile terminal, the authorization code request comprising a requested currency amount to facilitate the transaction; verify that the mobile terminal identifier is registered with an account, the mobile terminal identifier and a customer verification number being associated with the account, the customer verification number having not been included in the authorization code request; generate an authorization code, in response to verifying that the mobile terminal identifier is registered; store the authorization code in association with the account; provide for transmission of the authorization code to the mobile terminal; receive a verification request from a point of sale terminal in response to the point of sale terminal receiving a request for purchase of goods or services, the verification request including a received authorization code, a received customer verification number, and one or more purchase parameters associated with the goods or services requested for purchase, provided to the point of sale terminal by a user; verify that the received authorization code matches the authorization code stored in association with the account, and the received customer verification number matches the customer verification number associated with the account; verify that the purchase parameters do not violate one or more predetermined restrictions defined to prohibit or limit the purchase of the goods or services; and provide for transmission of a verification reply to the point of sale terminal to authorize the transaction in response to verifying that the received authorization code matches the authorization code stored in association with the account, the received customer verification number matches the customer verification number associated with the account, and that the purchase parameters do not violate the predetermined restrictions defined to prohibit or limit the purchase of the goods or services associated with the transaction. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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16. A non-transitory computer-readable storage medium having executable computer-readable program code instructions stored therein, the computer-readable program code instructions configured to cause an apparatus to:
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receive an authorization code request and a mobile terminal identifier to initiate a transaction and request generation of an authorization code, the mobile terminal identifier being associated with a mobile terminal, the authorization code request comprising a requested currency amount to facilitate the transaction; verify that the mobile terminal identifier is registered with an account, the mobile terminal identifier and a customer verification number being associated with the account, the customer verification number having not been included in the authorization code request; receive a verification request from a point of sale terminal in response to the point of sale terminal receiving a request for purchase of goods or services, the verification request including a received authorization code, a received customer verification number, and one or more purchase parameters associated with the goods or services requested for purchase, provided to the point of sale terminal by a user; verify that the received authorization code matches an authorization code stored in association with the account, and the received customer verification number matches the customer verification number associated with the account; verify that the purchase parameters do not violate one or more predetermined restrictions defined to prohibit or limit the purchase of the goods or services; and provide for transmission of a verification reply to the point of sale terminal to thereby authorize the transaction in response to verifying that the received authorization code matches the authorization code stored in association with the account, the received customer verification number matches the customer verification number associated with the account, and that the purchase parameters do not violate the predetermined restrictions defined to prohibit or limit the purchase of the goods or services associated with the transaction. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23)
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Specification