METHODS AND SYSTEMS FOR IMPROVED SECURITY FOR FINANCIAL TRANSACTIONS THROUGH A TRUSTED THIRD PARTY ENTITY
First Claim
1. A method of operating a payment system, the method comprising:
- requiring a consumer to establish an account;
allowing the consumer to initiate a transaction using a third party processor to transfer funds into the account;
receiving from the consumer a vocal authorization for the transaction;
digitizing the vocal authorization into a voice print; and
storing the voice print with the transaction.
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Accused Products
Abstract
Improved systems and methods for financial transactions through a trusted third party entity that improve the security of the transactions. A payment system may build a database of reasonably verified voice prints for verifying a consumer'"'"'s authorization for a transaction, The method comprises receiving a payment request from a consumer to transfer a valued asset from an account to a seller. The method further comprises receiving from the consumer a vocal authorization for the payment request. The vocal authorization may then be digitized into a voice print and stored in the database with the payment request. In response to receiving the voice authorization, the payment system completes the payment request for the consumer and transfers the valued asset from the account to the seller. The voice print may then be used for verifying the identity of a consumer making a subsequent payment from the account.
158 Citations
42 Claims
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1. A method of operating a payment system, the method comprising:
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requiring a consumer to establish an account;
allowing the consumer to initiate a transaction using a third party processor to transfer funds into the account;
receiving from the consumer a vocal authorization for the transaction;
digitizing the vocal authorization into a voice print; and
storing the voice print with the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method of building a database of reasonably verified voice prints in a payment system, the method comprising:
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receiving a first payment request from a consumer requesting to transfer a valued asset from an account to a seller;
receiving from the consumer a first vocal authorization for the first payment request;
digitizing the first vocal authorization into a voice print;
storing the voice print in the database with the first payment request; and
completing the first payment request for the consumer and transferring the valued asset from the account to the seller. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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33. A method for communicating with a payment system using a reverse firewall, the method comprising:
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requiring the consumer to download a plugin module to a client application;
allocating login information;
providing the login information to the client application;
using the login information in subsequent communications between the client application and the payment system;
monitoring a port used by the client application for communications using the login information;
determining if a communication from the client application using the login information is directed to an authenticated server of the payment system; and
stopping the communication from the client application using the login information if the communication is directed to a non-authenticated server. - View Dependent Claims (34, 35, 36, 37)
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38. A method for determining a credibility rating of a seller in a payment system, the method comprising:
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receiving a payment request in the payment system from a consumer directed to the seller;
completing the payment request;
receiving a transaction rating from the consumer for the seller;
issuing an account rebate to the consumer in response to receiving the transaction rating; and
providing the transaction rating in a credibility rating of the seller. - View Dependent Claims (39, 40, 41, 42)
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Specification