Methods of authenticating a user for data exchange
First Claim
1. A method of facilitating the exchange of data between a user having a computing device, and a remote entity, wherein a first connection has been established between the user and the remote entity, wherein the first connection between the user and the remote entity associated with a merchant is a phone call, and wherein the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity, the method comprising:
- determining, at a server, whether the user has a registered payment method with the application;
in response to the user having a registered payment method for a transaction, establishing, at the server, a second connection to the computing device with an agent at a contact center, wherein a payment mode is initiated and starts recording the user'"'"'s phone call;
retrieving a user authentication attribute associated with the data exchange information;
retrieving a device authentication attribute associated with the data exchange information;
authenticating the user using the user authentication attribute; and
authenticating the computing device using the device authentication attribute, wherein data may be exchanged between the computing device and the remote entity in accordance with the data exchange information following authentication of the user and the computing device;
wherein in response to the user and the computing device being authenticated, processing the transaction with the payment method and deleting the recorded phone call sample; and
receiving an indication that the application is a third party payment application;
sending a message to the computing device, the message including a link for requesting a payment webpage;
receiving, from the computing device, a request for the payment webpage upon selection of the link;
generating the payment webpage; and
sending the generated payment webpage to the computing device; and
receiving an indication that the transaction has been authorized.
1 Assignment
0 Petitions
Accused Products
Abstract
A method of facilitating the exchange of data between a user having a computing device, and a remote entity, where a first connection has been established between the user and the remote entity, and where the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity. The method comprises establishing, at a server, a second connection to the computing device; enabling retrieval of a user authentication attribute associated with the data exchange information; enabling retrieval of a device authentication attribute associated with the data exchange information; enabling authentication of the user using the user authentication attribute; and enabling authentication of the computing device using the device authentication attribute, where data may be exchanged between the computing device and the remote entity in accordance with the data exchange information following authentication of the user and the computing device.
18 Citations
29 Claims
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1. A method of facilitating the exchange of data between a user having a computing device, and a remote entity, wherein a first connection has been established between the user and the remote entity, wherein the first connection between the user and the remote entity associated with a merchant is a phone call, and wherein the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity, the method comprising:
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determining, at a server, whether the user has a registered payment method with the application; in response to the user having a registered payment method for a transaction, establishing, at the server, a second connection to the computing device with an agent at a contact center, wherein a payment mode is initiated and starts recording the user'"'"'s phone call; retrieving a user authentication attribute associated with the data exchange information; retrieving a device authentication attribute associated with the data exchange information; authenticating the user using the user authentication attribute; and authenticating the computing device using the device authentication attribute, wherein data may be exchanged between the computing device and the remote entity in accordance with the data exchange information following authentication of the user and the computing device; wherein in response to the user and the computing device being authenticated, processing the transaction with the payment method and deleting the recorded phone call sample; and receiving an indication that the application is a third party payment application; sending a message to the computing device, the message including a link for requesting a payment webpage; receiving, from the computing device, a request for the payment webpage upon selection of the link; generating the payment webpage; and sending the generated payment webpage to the computing device; and
receiving an indication that the transaction has been authorized. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A server for facilitating the exchange of data between a user having a computing device, and a remote entity, wherein a first connection has been established between the user and the remote entity, wherein the first connection between the user and the remote entity associated with a merchant is a phone call, and wherein the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity, the server comprising an authentication processor operable to:
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determine, at a server, whether the user has a registered payment method with the application; in response to the user having a registered payment method for a transaction, establish a second connection to the application with an agent at a contact center, wherein a payment mode is initiated and starts recording the user'"'"'s phone call; retrieve, from a user database storing the data exchange information, a user authentication attribute associated with the data exchange information, and a device authentication attribute associated with the data exchange information; authenticate the user using the user authentication attribute; and authenticate the computing device using the device authentication attribute, wherein data may be exchanged between the computing device and the remote entity in accordance with the data exchange information following authentication of the user and the computing device; wherein, in response to the user and the computing device being authenticated, process the transaction with the payment method and delete the recorded phone call sample; and receive an indication that the application is a third party payment application; send a message to the computing device, the message including a link for requesting a payment webpage; receive, from the computing device, a request for the payment webpage upon selection of the link; generate the payment webpage; and send the generated payment webpage to the computing device, and receive an indication that the transaction has been authorized.
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14. A method of facilitating the exchange of data between a user having a computing device, and a remote entity, wherein a first connection has been established between the user and the remote entity, wherein the first connection between the user and the remote entity associated with a merchant is a phone call, and wherein an application is on with the computing device, the method comprising:
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determining, at a server, whether the user has a registered payment method with the application; in response to the user having a registered payment method for a transaction, establishing, by the application, a second connection to the server with an agent at a contact center, wherein a payment mode is initiated and starts recording the user'"'"'s phone call; sending data exchange information to the server, the data exchange information defining properties of the data to be exchanged between the user and the remote entity; sending a user authentication attribute associated with the data exchange information to the server; sending a device authentication attribute associated with the data exchange information to the server; and exchanging data with the remote entity in accordance with the data exchange information following authentication of the user using the user authentication attribute being enabled by the server, and authentication of the computing device using the device authentication attribute being enabled by the server; in response to the user and the computing device being authenticated, processing the transaction with the payment method and deleting the recorded phone call sample; and receiving an indication that the application is a third party payment application; sending a message to the computing device, the message including a link for requesting a payment webpage; receiving, from the computing device, a request for the payment webpage upon selection of the link; generating the payment webpage; and sending the generated payment webpage to the computing device; and
receiving an indication that the transaction has been authorized. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. An application is run on a computing device and comprising a computer program, the application facilitating the exchange of data between the computing device and a remote entity, wherein a first connection has been established between a user of the computing device and the remote entity, wherein the first connection between the user and the remote entity associated with a merchant is a phone call, the computer program comprising instructions for enabling the computing device to:
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determine, at a server, whether the user has a registered payment method with the application; in response to the user having a registered payment method for a transaction, establish a second connection to the server with an agent at a contact center, wherein a payment mode is initiated and starts recording the user'"'"'s phone call; send data exchange information to the server, the data exchange information defining properties of the data to be exchanged between the user and the remote entity; send a user authentication attribute associated with the data exchange information to the server; send a device authentication attribute associated with the data exchange information to the server; and exchange data with the remote entity following authentication of the user using the user authentication attribute being enabled by the server and authentication of the computing device using the device authentication attribute being enabled by the server; wherein, in response to the user and the computing device being authenticated, process the transaction with the payment method and delete the recorded phone call sample; and receive an indication that the application is a third party payment application; send a message to the computing device, the message including a link for requesting a payment webpage; receive, from the computing device, a request for the payment webpage upon selection of the link; generate the payment webpage; and send the generated payment webpage to the computing device; and
receive an indication that the transaction has been authorized.
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26. A method of facilitating the exchange of data between a user having a computing device, and a remote entity, wherein an application is run on the user device, the method comprising:
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implementing, at the application, a method comprising the steps of; determining, at a server, whether the user has a registered payment method with the application; in response to the user having a registered payment method for a transaction, establishing, by the application, a second connection to the server with an agent at a contact center, wherein a payment mode is initiated and starts recording the user'"'"'s phone call; sending data exchange information to the server, the data exchange information defining properties of the data to be exchanged between the user and the remote entity; sending a user authentication attribute associated with the data exchange information to the server; sending a device authentication attribute associated with the data exchange information to the server; and exchanging data with the remote entity in accordance with the data exchange information following authentication of the user using the user authentication attribute being enabled by the server, and authentication of the computing device using the device authentication attribute being enabled by the server; in response to the user and the computing device being authenticated, processing the transaction with the payment method and deleting the recorded phone call sample; and receiving an indication that the application is a third party payment application; sending a message to the computing device, the message including a link for requesting a payment webpage; receiving, from the computing device, a request for the payment webpage upon selection of the link; generating the payment webpage; and sending the generated payment webpage to the computing device; and receiving an indication that the transaction has been authorized.
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27. A system for facilitating the exchange of data between a user having a computing device, and a remote entity, wherein a first connection has been established between the user and the remote entity, the system comprising:
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a computing device comprising an application facilitating the exchange of data between the computing device and a remote entity, wherein a first connection has been established between a user of the computing device and the remote entity, wherein the first connection between the user and the remote entity associated with a merchant is a phone call, the computer program comprising instructions for enabling the computing device to; determine, at a server, whether the user has a registered payment method with the application; in response to the user having a registered payment method for a transaction, establish a second connection to the server with an agent at a contact center, wherein a payment mode is initiated and starts recording the user'"'"'s phone call; send data exchange information to the server, the data exchange information defining properties of the data to be exchanged between the user and the remote entity; send a user authentication attribute associated with the data exchange information to the server; send a device authentication attribute associated with the data exchange information to the server; and exchange data with the remote entity following authentication of the user using the user authentication attribute being enabled by the server and authentication of the computing device using the device authentication attribute being enabled by the server wherein, in response to the user and the computing device being authenticated, process the transaction with the payment method and delete the recorded phone call sample; and receive an indication that the application is a third party payment application; send a message to the computing device, the message including a link for requesting a payment webpage; receive, from the computing device, a request for the payment webpage upon selection of the link; generate the payment webpage; and send the generated payment webpage to the computing device; and
receive an indication that the transaction has been authorized.
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28. A non-transitory computer program comprising instructions that, when executed by a processor, enable a server comprising the processor to perform the method of facilitating the exchange of data between a user having a computing device, and a remote entity, wherein a first connection has been established between the user and the remote entity, wherein the first connection between the user and the remote entity associated with a merchant is a phone call, and wherein the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity, the method comprising:
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determining, at a server, whether the user has a registered payment method with the application; in response to the user having a registered payment method for a transaction, establishing, at the server, a second connection to the computing device with an agent at a contact center, wherein a payment mode is initiated and starts recording the user'"'"'s phone call; retrieving a user authentication attribute associated with the data exchange information; retrieving a device authentication attribute associated with the data exchange information; authenticating the user using the user authentication attribute; and authenticating the computing device using the device authentication attribute, wherein data may be exchanged between the computing device and the remote entity in accordance with the data exchange information following authentication of the user and the computing device wherein in response to the user and the computing device being authenticated, processing the transaction with the payment method and deleting the recorded phone call sample; and receiving an indication that the application is a third party payment application; sending a message to the computing device, the message including a link for requesting a payment webpage; receiving, from the computing device, a request for the payment webpage upon selection of the link; generating the payment webpage; and sending the generated payment webpage to the computing device; and
receiving an indication that the transaction has been authorized.
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29. A computing device comprising an application run on the computing device and comprising a computer program, the application facilitating the exchange of data between the computing device and a remote entity, wherein a first connection has been established between a user of the computing device and the remote entity, wherein the first connection between the user and the remote entity associated with a merchant is a phone call, the computer program comprising instructions for enabling the computing device to:
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determine, at a server, whether the user has a registered payment method with the application; in response to the user having a registered payment method for a transaction, establish a second connection to the server with an agent at a contact center, wherein a payment mode is initiated and starts recording the user'"'"'s phone call; send data exchange information to the server, the data exchange information defining properties of the data to be exchanged between the user and the remote entity; send a user authentication attribute associated with the data exchange information to the server; send a device authentication attribute associated with the data exchange information to the server; and exchange data with the remote entity following authentication of the user using the user authentication attribute being enabled by the server and authentication of the computing device using the device authentication attribute being enabled by the server wherein, in response to the user and the computing device being authenticated, process the transaction with the payment method and delete the recorded phone call sample; and receive an indication that the application is a third party payment application; send a message to the computing device, the message including a link for requesting a payment webpage; receive, from the computing device, a request for the payment webpage upon selection of the link; generate the payment webpage; and send the generated payment webpage to the computing device; and receive an indication that the transaction has been authorized.
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Specification