Method and system for trusted transaction approval

• US 20030101134A1
• Filed: 11/28/2001
• Published: 05/29/2003
• Est. Priority Date: 11/28/2001
• Status: Abandoned Application

• Current Assignee: Sun Microsystems Incorporated (Oracle Corporation)
• Original Assignee: Sun Microsystems Incorporated (Oracle Corporation)
• Inventors: Violleau, Thierry P., Wetherill, John, Day, Bill M. Jr., Liu, James C.
• Application Number:
  US09/995,545
• Publication Number:
  US 20030101134A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A method for transaction approval includes submitting a transaction approval request from a transaction site to a clearing agency; submitting a user authorization request from the clearing agency to a user device; receiving a response to the user authorization request; and sending a response to the transaction approval request from the clearing agency to the transaction site. Another method for transaction approval includes submitting a transaction approval request from a transaction site to a clearing agency; determining whether a trusted transaction is elected; submitting a user authorization request from the clearing agency to a user device, if a trusted transaction is determined to be elected; receiving a response to the user authorization request from the user device, if the user authentification request was submitted; and sending a response to the transaction approval request from the clearing agency to the transaction site. A system for transaction approval includes a clearing agency for the transaction approval, the clearing agency having a function to request for user authorization; a network operatively coupled to the clearing agency; and a user device adapted to be operatively coupled to the network for trusted transaction approval.

Claims

1. A method for transaction approval, comprising:

submitting a transaction approval request from a transaction site to a clearing agency;

submitting a user authorization request from the clearing agency to a user device;

receiving a response to the user authorization request; and

sending a response to the transaction approval request from the clearing agency to the transaction site.

2. The method of claim 1, wherein the user device comprises at least one selected from a telephone, a wireless phone, a personal digital assistant, a pager, an internet appliance, and a computer.

3. The method of claim 1, wherein the response to the user authentification request comprises one selected from the group consisting of approval, denial, fraud, and a default response.

4. The method of claim 1, wherein the submitting a user authentification request and the receiving a response to the user authorization are via wireless communications.

5. The method of claim 1, wherein the clearing agency comprises at least one server selected from the group consisting of an application server, a web server, and a database server.

6. The method of claim 5, wherein the database server comprises a database having therein information on a selected manner by which to submit the user authentification request.

7. The method of claim 6, wherein the database is a relational database.

8. The method of claim 6, further comprising querying a database for the selected manner by which to submit the user authentification request.

9. A method for transaction approval, comprising:

submitting a transaction approval request from a transaction site to a clearing agency;

querying a database for a selected manner by which to submit a user authentification request;

submitting the user authorization request from the clearing agency to a user device;

receiving a response to the user authorization request; and

sending a response to the transaction approval request from the clearing agency to the transaction site.

10. A method for transaction approval, comprising:

submitting a transaction approval request from a transaction site to a clearing agency;

determining whether a trusted transaction is elected;

submitting a user authorization request from the clearing agency to a user device, if a trusted transaction is determined to be elected;

receiving a response to the user authorization request from the user device, if the user authentification request was submitted; and

sending a response to the transaction approval request from the clearing agency to the transaction site.

11. The method of claim 10, wherein the user device comprises at least one selected from the group consisting of a telephone, a wireless phone, a personal digital assistant, a pager, an internet appliance, and a computer.

12. A system for transaction approval, comprising:

a clearing agency for the transaction approval, the clearing agency having a function to request for user authorization;

a network, operatively coupled to the clearing agency; and

a user device adapted to be operatively coupled to the network for trusted transaction approval.

13. The system of claim 12, wherein the clearing agency comprises at least one server selected from the group consisting of an application server, a web server, and a database server.

14. The system of claim 12, wherein the user device comprises one selected from the group consisting of a wireless phone, a personal digital assistant, an internet appliance, and a computer.

15. The system of claim 12, wherein the user device comprises a limited-resource device.

16. The system of claim 12, wherein the network comprises one selected from the group consisting of Internet, a virtual private network, a telephone network, a radio link, a satellite link, and a private network.

17. The system of claim 12, further comprising a machine at a transaction site operatively coupled to the network.

18. The system of claim 17, wherein the machine comprise one selected from the group consisting of an automatic teller machine, a credit card reader, and a debit card reader.

19. A system for transaction approval, comprising:

a clearing agency for the transaction approval, the clearing agency having a function to request for user authorization;

means for communication, operatively coupled to the clearing agency; and

means for user authorization, adapted to be operatively coupled to the means for communication.

20. The system of claim 19, wherein the clearing agency comprises at least one server selected from the group consisting of an application server, a web server, and a database server.

21. The system of claim 19, wherein the clearing agency comprises a function to determine whether a trusted transaction is elected.

22. The system of claim 19, further comprising a machine at a transaction site, the machine being operatively coupled to the means for communication.

23. The system of claim 22, wherein the machine is one selected from the group consisting of an automatic teller machine, a credit card reader, and a debit card reader.