Audio-based electronic transaction authorization system and method
First Claim
1. A method of authorizing an electronic transaction, the method comprising:
- receiving, at an authorization computer system, a request for authorization from a requester;
communicating, from the authorization computer system to an audio emitting device, a request signal containing an encrypted, encoded inaudible audio request message embedded in an audio message, said request signal causing the audio emitting device to output the audio message, including the inaudible audio request message, wherein the embedded message includes at least two different portions repeated in a repetition pattern within the audio message;
wherein the outputted audio message, when detected by an audio receiving component of a receiving device physically separate from the audio emitting device, causes the receiving device to automatically perform at least the following;
extract the inaudible audio request message embedded in the audio message;
decrypt and decode the extracted inaudible audio request message and perform error detection based on the repetition pattern in the embedded message, the decrypted, decoded audio request message containing a request identifier, identifying a network address of the authorization computer system, a request type, and a requested response portion, the extracted audio request message causing a processor of the receiving device to execute a code module of the receiving device to generate an authorization request to a user based on the decoded audio request message,based on the request type, process a request authorization from the user in order to generate an authorization response containing the request authorization and the request identifier, wherein the authorization response includes a response field based on the requested response portion in the inaudible audio request message, andtransmit the authorization response to the authorization computer system using the identified network address;
receive, at the authorization computer system, the authorization response from the receiving device; and
process the authorization response to provide authorization for the electronic transaction.
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0 Petitions
Accused Products
Abstract
Methods and systems for facilitating and authorizing electronic transactions with various devices and systems are disclosed. Embodiments of the present invention utilize audio messages to initiate, process and complete transactions between two or more parties, allowing users to efficiently and effectively enter into and complete financial transactions with businesses and other users. The need to utilize text-based entry as part of the verification process—an inefficient, error-prone and insecure authorization mechanism—is minimized and, in some embodiments, avoided altogether. Unlike recently developed authorization methods, embodiments of the present invention may be implemented using any number of existing devices including, analog or digital televisions, radios, smartphones, tablets computers, and other devices. Embodiments of the present invention may also be utilized to facilitate authorization for various other transactions including to access to an account, website or other locations, to accept or propose trades, to sign a legal or non-legal document, and to verify identity.
10 Citations
30 Claims
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1. A method of authorizing an electronic transaction, the method comprising:
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receiving, at an authorization computer system, a request for authorization from a requester; communicating, from the authorization computer system to an audio emitting device, a request signal containing an encrypted, encoded inaudible audio request message embedded in an audio message, said request signal causing the audio emitting device to output the audio message, including the inaudible audio request message, wherein the embedded message includes at least two different portions repeated in a repetition pattern within the audio message; wherein the outputted audio message, when detected by an audio receiving component of a receiving device physically separate from the audio emitting device, causes the receiving device to automatically perform at least the following; extract the inaudible audio request message embedded in the audio message; decrypt and decode the extracted inaudible audio request message and perform error detection based on the repetition pattern in the embedded message, the decrypted, decoded audio request message containing a request identifier, identifying a network address of the authorization computer system, a request type, and a requested response portion, the extracted audio request message causing a processor of the receiving device to execute a code module of the receiving device to generate an authorization request to a user based on the decoded audio request message, based on the request type, process a request authorization from the user in order to generate an authorization response containing the request authorization and the request identifier, wherein the authorization response includes a response field based on the requested response portion in the inaudible audio request message, and transmit the authorization response to the authorization computer system using the identified network address; receive, at the authorization computer system, the authorization response from the receiving device; and process the authorization response to provide authorization for the electronic transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method of processing an authorization request at a mobile device physically separate from the audio emitting device, the mobile device containing a processor and memory, the mobile device capable of receiving and processing encoded audio messages from an authorization computer system, the authorization computer system receiving a request for authorization from a requester, the method comprising:
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receiving, from an audio emitting device'"'"'s output device, an audible encoded audio authorization request generated by the authorization computer system, the audible encoded audio authorization request containing an at least partially inaudible audio request message, said authorization request containing a request identifier identifying a network address of the authorization computer system, a request type, and a requested response portion; recording the audible encoded audio authorization request using an audio recording component of the mobile device to process the authorization request; extracting the inaudible audio request message embedded in the audible encoded audio authorization request; automatically decrypting and decoding, using the processor, the audible encrypted, encoded authorization request, and performing error detection based on a repetition pattern in the embedded message, wherein the embedded message includes at least two different portions repeated in a repetition pattern within the audio message, wherein the decrypted, decoded audio request message causing the processor to execute a code module of the receiving device to provide at least a portion of the decrypted, decoded authorization request to a user based on the recorded audible encoded authorization request; receiving a request authorization from the user; based on the request type, generating, using the processor, an authorization response containing the request authorization and the request identifier, wherein the authorization response includes a response field based on the requested response portion in the inaudible audio request message; and transmitting the authorization response to the authorization computer system using the identified network address to provide authorization. - View Dependent Claims (16, 17, 18, 19)
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20. A system for facilitating the authorization of electronic transactions, the system comprising:
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a processor; at least one storage device coupled to the processor; and wherein the processor is adapted to communicate with the at least one storage device to execute instructions to perform the following; communicating to an audio emitting device a request signal containing an encoded inaudible audio request message embedded in an audio message, said request signal causing the audio emitting device to output the audio message, including the inaudible audio request message, wherein the embedded message includes at least two different portions repeated in a repetition pattern within the audio message; receiving an authorization response from a receiving device physically separate from the audio emitting device, the authorization response containing a request authorization and a request identifier; and processing the authorization response to provide authorization for the electronic transaction; wherein the outputted audio message, when detected by an audio receiving component of the receiving device, causes the receiving device to automatically perform at least the following; extract the inaudible audio request message embedded in the audio message; automatically decrypt and decode the extracted inaudible audio request message and perform error detection based on the repetition pattern in the embedded message; the decrypted, decoded audio request message containing the request identifier identifying a network address of the authorization computer system, a request type, and a requested response portion, the extracted audio request message causing a processor of the receiving device to execute a code module of the receiving device to generate an authorization request to a user based on the decoded audio request message; and based on the request type, process a request authorization from the user in order generate the authorization response to transmit to the identified network address, wherein the authorization response includes a response field based on the requested response portion in the inaudible audio request message. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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Specification