公开(公告)号：US20130124410A1

公开(公告)日：2013-05-16

申请号：US13296336

申请日：2011-11-15

申请人： Christopher Erin KAY ,  Ricardo Outi ,  Sopnendu Mohanty ,  Mavanur Narakesari Rangaraj ,  Jonathan Christian Larsen

发明人： Christopher Erin KAY ,  Ricardo Outi ,  Sopnendu Mohanty ,  Mavanur Narakesari Rangaraj ,  Jonathan Christian Larsen

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q20/3223 ,  G07F19/211 ,  H04W4/02 ,  H04W12/06

摘要： The systems and methods described herein allow greater access to a banking platform via a mobile device. The customer can initiate a financial transaction using a mobile device, a bank can inform the customer of the nearest financial transaction terminal to perform that service, and the customer can complete that financial transaction at the financial transaction terminal using the mobile device as a user interface. While conventional systems may use a mobile device to transmit payment information at a point of sale terminal of a brick-and-mortar merchant, the embodiments described herein can allow a customer to conduct a transaction at a financial transaction terminal using the mobile device to initiate a transaction at a location away from a financial transaction terminal, to locate the nearest financial transaction terminal providing the required services, and as a user interface while communicating with the financial transaction terminal.

摘要翻译： 本文描述的系统和方法允许通过移动设备更好地访问银行平台。 客户可以使用移动设备启动金融交易，银行可以通知客户最近的金融交易终端来执行该服务，并且客户可以使用移动设备作为用户界面在金融交易终端处完成该金融交易 。 虽然常规系统可以使用移动设备在实体商家的销售点处发送支付信息，但是本文描述的实施例可以允许客户在金融交易终端处使用移动设备进行交易以启动 在离金融交易终端的位置处的交易，定位提供所需服务的最近的金融交易终端，以及在与金融交易终端通信时作为用户界面。

公开(公告)号：US08972297B2

公开(公告)日：2015-03-03

申请号：US13296336

申请日：2011-11-15

申请人： Christopher Eric Kay ,  Ricardo Outi ,  Sopnendu Mohanty ,  Mavanur Narakesari Rangaraj ,  Jonathan Christian Larsen

发明人： Christopher Eric Kay ,  Ricardo Outi ,  Sopnendu Mohanty ,  Mavanur Narakesari Rangaraj ,  Jonathan Christian Larsen

IPC分类号： G06Q10/00 ,  G06Q40/02 ,  G07F19/00 ,  G06Q20/32

CPC分类号： G06Q40/02 ,  G06Q20/3223 ,  G07F19/211 ,  H04W4/02 ,  H04W12/06

摘要： The systems and methods described herein allow greater access to a banking platform via a mobile device. The customer can initiate a financial transaction using a mobile device, a bank can inform the customer of the nearest financial transaction terminal to perform that service, and the customer can complete that financial transaction at the financial transaction terminal using the mobile device as a user interface. While conventional systems may use a mobile device to transmit payment information at a point of sale terminal of a brick-and-mortar merchant, the embodiments described herein can allow a customer to conduct a transaction at a financial transaction terminal using the mobile device to initiate a transaction at a location away from a financial transaction terminal, to locate the nearest financial transaction terminal providing the required services, and as a user interface while communicating with the financial transaction terminal.

摘要翻译： 本文描述的系统和方法允许通过移动设备更好地访问银行平台。 客户可以使用移动设备启动金融交易，银行可以通知客户最近的金融交易终端来执行该服务，并且客户可以使用移动设备作为用户界面在金融交易终端处完成该金融交易 。 虽然常规系统可以使用移动设备在实体商家的销售点处发送支付信息，但是本文描述的实施例可以允许客户在金融交易终端处使用移动设备进行交易以启动 在离金融交易终端的位置处的交易，定位提供所需服务的最近的金融交易终端，以及在与金融交易终端通信时作为用户界面。

公开(公告)号：US10074089B1

公开(公告)日：2018-09-11

申请号：US13409710

申请日：2012-03-01

申请人： Mavanur Narakesari Rangaraj ,  Xerxes Navzar Dotivala ,  Sopnendu Mohanty ,  Sam Chang Chia Shian ,  Kaustab Roy ,  Pedro Manuel Vicente

发明人： Mavanur Narakesari Rangaraj ,  Xerxes Navzar Dotivala ,  Sopnendu Mohanty ,  Sam Chang Chia Shian ,  Kaustab Roy ,  Pedro Manuel Vicente

IPC分类号： G06Q20/40 ,  G10L17/00

CPC分类号： G06Q20/40145 ,  G10L17/005 ,  G10L17/06 ,  G10L17/22

摘要： The systems and methods described herein allow an electronic transaction to be performed upon determining, via biometric data, that an authorized individual is conducting the transaction. This may involve receiving, by a computer system, a request to authorize an electronic transaction for an account. The computer system is configured to access a phone number, which is stored in computer memory and associated with the enrolled user of the account. An automated and outward call to the phone number is performed by the computer system. The computer system is configured to capture a voiceprint in association with voice data received from the automated call. The captured voiceprint is compared to a registered voiceprint, which is stored in the computer memory in association with the enrolled user. The computer system responds to the request to authorize the secure electronic transaction based on said comparison.