WO1996034471A3 - Fraud resistant remote purchasing system - Google Patents

Fraud resistant remote purchasing system Download PDF

Info

Publication number
WO1996034471A3
WO1996034471A3 PCT/US1996/005193 US9605193W WO9634471A3 WO 1996034471 A3 WO1996034471 A3 WO 1996034471A3 US 9605193 W US9605193 W US 9605193W WO 9634471 A3 WO9634471 A3 WO 9634471A3
Authority
WO
WIPO (PCT)
Prior art keywords
calling party
cpidn
caller account
transaction
purchasing
Prior art date
Application number
PCT/US1996/005193
Other languages
French (fr)
Other versions
WO1996034471A2 (en
Inventor
Aron B Katz
Original Assignee
Aron B Katz
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Aron B Katz filed Critical Aron B Katz
Priority to AU56642/96A priority Critical patent/AU5664296A/en
Publication of WO1996034471A2 publication Critical patent/WO1996034471A2/en
Publication of WO1996034471A3 publication Critical patent/WO1996034471A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/47—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/487—Arrangements for providing information services, e.g. recorded voice services or time announcements
    • H04M3/493—Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0148—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Signal Processing (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Meter Arrangements (AREA)

Abstract

A remote purchasing system linking a calling party (prospective purchaser) (60) and a called party (prospective seller) (60) for purchasing and selling goods or services over a telephone network, using a calling party identification number (CPIDN) of the calling party (60) and a three-way connection (or a series of two-way connections) to provide security against fraud. An authorized calling party (60) is assigned a caller account associated with calling party's CPIDN. A switch (30) or other facility of the system reads the CPIDN of an incoming call, and a register (40) within the system tests the CPIDN against an approved list. If the CPIDN matches, then the system completes the call, a transaction processor (50 or 52) within the system participating. The transaction processor (50 or 52) controls the caller account in accordance with predetermined conditions and, responsive to an authorization from the calling party (60), will post the transaction to the caller account of the calling party (60).
PCT/US1996/005193 1995-04-17 1996-04-16 Fraud resistant remote purchasing system WO1996034471A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU56642/96A AU5664296A (en) 1995-04-17 1996-04-16 Fraud resistant remote purchasing system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US42364795A 1995-04-17 1995-04-17
US08/423,647 1995-04-17

Publications (2)

Publication Number Publication Date
WO1996034471A2 WO1996034471A2 (en) 1996-10-31
WO1996034471A3 true WO1996034471A3 (en) 1997-02-13

Family

ID=23679673

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1996/005193 WO1996034471A2 (en) 1995-04-17 1996-04-16 Fraud resistant remote purchasing system

Country Status (2)

Country Link
AU (1) AU5664296A (en)
WO (1) WO1996034471A2 (en)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6088683A (en) * 1996-08-21 2000-07-11 Jalili; Reza Secure purchase transaction method using telephone number
DE19709240B4 (en) 1997-03-06 2005-05-04 Deutsche Telekom Ag Method and circuit arrangement for operating a telecommunications network
AU7755698A (en) * 1998-06-23 2000-01-10 Swisscom Ag Method for offering, ordering and selling goods and services
US20020055847A1 (en) * 1999-01-20 2002-05-09 Masahiro Nakano Method and apparatus of providing secure transactions on a network
KR100867132B1 (en) * 1999-11-24 2008-11-06 김종건 Electronic Commerce Method on the Internet
DE19964080A1 (en) * 1999-12-29 2001-12-13 Mannesmann Ag Virtual bank
AU2001242000A1 (en) * 2000-03-10 2001-09-24 Ods Properties, Inc. Interactive wagering systems with streamlined telephone-based wagering
WO2001086562A1 (en) * 2000-05-10 2001-11-15 David Pomerantz Price comparison and shopping method
DE10100224A1 (en) * 2001-01-04 2002-07-25 Eolon Gmbh Method for operating a telecommunications network
NL2006609C2 (en) * 2011-04-14 2012-10-16 Sepasoft B V COMPOSITION AND METHOD FOR HANDLING TRANSACTIONS.

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5181238A (en) * 1989-05-31 1993-01-19 At&T Bell Laboratories Authenticated communications access service
US5313463A (en) * 1990-11-15 1994-05-17 At&T Bell Laboratories ISDN credit checking
US5329589A (en) * 1991-02-27 1994-07-12 At&T Bell Laboratories Mediation of transactions by a communications system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5181238A (en) * 1989-05-31 1993-01-19 At&T Bell Laboratories Authenticated communications access service
US5313463A (en) * 1990-11-15 1994-05-17 At&T Bell Laboratories ISDN credit checking
US5329589A (en) * 1991-02-27 1994-07-12 At&T Bell Laboratories Mediation of transactions by a communications system

Also Published As

Publication number Publication date
WO1996034471A2 (en) 1996-10-31
AU5664296A (en) 1996-11-18

Similar Documents

Publication Publication Date Title
US5966429A (en) Telephone transaction processing as a part of a call transport
CA2054567C (en) Telephone network credit card calling apparatus and method of operation
US9053485B2 (en) Security monitoring system with image comparison of monitored location
US5655007A (en) Telephone based credit card protection
US5732136A (en) Merchant specific debit card verification system
CA2156206A1 (en) Cellular Telephone as an Authenticated Transaction Controller
US5708422A (en) Transaction authorization and alert system
US5960069A (en) Method of billing a multiple service representative conference call
CA2307843C (en) Procedure and system for providing a service
US5583933A (en) Method and apparatus for the secure communication of data
US5764742A (en) System for accessing telephonic communications and for conducting telephonic transactions
EP0598469A2 (en) Interactive credit card fraud control process
CA2107546A1 (en) Security System Using Call Display
WO1996034471A3 (en) Fraud resistant remote purchasing system
CA2083228A1 (en) Apparatus and Method for Controlled Access to a Secured Location
CZ125799A3 (en) Method of calling person verification
WO1999045693A1 (en) Method and system for controlling authorization of credit card transactions
CA2206383A1 (en) Group message delivery system
CA2634612A1 (en) System and method for dial tones screening
CA2159392A1 (en) Notification of Toll Free Call Charging Status
FI960746A0 (en) Method for arranging a payment service in a telecommunications network
CA2034711A1 (en) International authorization system
EP0722241A3 (en) Secure access telephony server system
GB2253542A (en) Improvements in and relating to telephone systems
US6904136B1 (en) Secure method of payment

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AM AT AU BB BG BR BY CA CH CN CZ DE DK EE ES FI GB GE HU IS JP KE KG KP KR KZ LK LR LT LU LV MD MG MN MW MX NO NZ PL PT RO RU SD SE SG SI SK TJ TM TT UA UG US UZ VN

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): KE LS MW SD SZ UG AT BE CH DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN ML MR NE SN TD TG

AK Designated states

Kind code of ref document: A3

Designated state(s): AM AT AU BB BG BR BY CA CH CN CZ DE DK EE ES FI GB GE HU IS JP KE KG KP KR KZ LK LR LT LU LV MD MG MN MW MX NO NZ PL PT RO RU SD SE SG SI SK TJ TM TT UA UG US UZ VN

AL Designated countries for regional patents

Kind code of ref document: A3

Designated state(s): KE LS MW SD SZ UG AT BE CH DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: CA

122 Ep: pct application non-entry in european phase