Alternative payment method for online transactions using interactive voice response
First Claim
1. A method comprising:
- receiving, by a computer system of a service provider, information about a product selected by a buyer for purchasing at a later time, the product being offered by a vendor;
in response to the receiving, generating, by the computer system of the service provider, a first token that identifies the product, the first token having an expiration time that is correlated with a price of the product; and
transmitting, by the computer system of the service provider, the first token to a communication device of the buyer.
2 Assignments
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A method comprising:
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receiving, by a computer system of a service provider, information about a product selected by a buyer for purchasing at a later time, the product being offered by a vendor; in response to the receiving, generating, by the computer system of the service provider, a first token that identifies the product, the first token having an expiration time that is correlated with a price of the product; and transmitting, by the computer system of the service provider, the first token to a communication device of the buyer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system comprising:
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a non-transitory memory; one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising; receiving information about a product selected by a buyer for purchasing at a later time, the product being offered by a vendor; in response to the receiving, generating a first token that identifies the product, the first token having an expiration time that is correlated with a price of the product; and transmitting the first token to a communication device of the buyer. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
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receiving information about a product selected by a buyer for purchasing at a later time, the product being offered by a vendor; in response to the receiving, generating a first token that identifies the product, the first token having an expiration time that is correlated with a price of the product; and transmitting the first token to a communication device of the buyer. - View Dependent Claims (18, 19, 20)
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Specification