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1. (WO2018140155) SYSTEMS AND METHODS FOR USING NONVISUAL COMMUNICATION TO OBTAIN PERMISSION FOR AUTHORIZING A TRANSACTION
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Pub. No.: WO/2018/140155 International Application No.: PCT/US2017/067170
Publication Date: 02.08.2018 International Filing Date: 19.12.2017
IPC:
G06Q 20/32 (2012.01) ,G06Q 20/20 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
32
using wireless devices
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
20
Point-of-sale [POS] network systems
Applicants:
MASTERCARD INTERNATIONAL INCORPORATED [US/US]; 2000 Purchase Street Purchase, NY 10577, US
Inventors:
SPRATT, Michael, Martel; US
DESHPANDE, Rahul; US
HOSTEN, Akeda; US
BOLING, Stewart; US
MENDOZA, Epher; US
AXE, Adam; US
Agent:
DOBBYN, Colm, J.; US
Priority Data:
15/419,90630.01.2017US
Title (EN) SYSTEMS AND METHODS FOR USING NONVISUAL COMMUNICATION TO OBTAIN PERMISSION FOR AUTHORIZING A TRANSACTION
(FR) SYSTÈMES ET PROCÉDÉS D'UTILISATION DE COMMUNICATION NON VISUELLE POUR OBTENIR LA PERMISSION D'AUTORISER UNE TRANSACTION
Abstract:
(EN) Embodiments of the disclosure enable permission to be obtained using nonvisual communication. A system receives a request for authorization of a transaction, identities an account based on user identifier data included in the request, establishes a communication link with a user device associated with the user account, generates a prompt message identifying a merchant and a transaction amount associated with merchant identifier data and transaction data included in the request, analyze the prompt message to generate a prompt audibly perceivable at the user device, analyze a speech reply received from the user device to generate a feedback message, and analyze the feedback message to determine whether permission to authorize the transaction is obtained. Aspects of the disclosure provide for authorizing a transaction in a secure and user- friendly manner.
(FR) Selon des modes de réalisation, l'invention permet d'obtenir une permission à l'aide d'une communication non visuelle. Un système reçoit une requête d'autorisation d'une transaction, identifie un compte sur la base de données d'identifiant d'utilisateur comprises dans la requête, établit une liaison de communication avec un dispositif d'utilisateur associé au compte d'utilisateur, génère un message d'invite identifiant un commerçant et un montant de transaction associé à des données d'identifiant du commerçant et à des données de transaction incluses dans la requête, analyse le message d'invite pour générer une invite pouvant être entendue de manière audible au niveau du dispositif d'utilisateur, analyse une réponse vocale reçue du dispositif d'utilisateur pour générer un message de rétroaction, et analyse le message de rétroaction pour déterminer si la permission d'autoriser la transaction est obtenue. Certains aspects de l'invention permettent d'autoriser une transaction d'une manière sécurisée et conviviale.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)