Method and apparatus for providing automated payment

Method and apparatus for providing automated payment

An approach is provided for conducting transactions via an audio token base payment system. An audio payment manager receives a request, at a device, for payment to a merchant, the request including a password. In response, the audio payment manager retrieves a personal identification number from a...

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Bibliographische Detailangaben
Hauptverfasser: KOISTINEN KIRMO KALEVI, TERVO TIMO PEKKA, KAUNISKANGAS HANNU SAKARI
Format: Patent
Sprache:chi ; eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:An approach is provided for conducting transactions via an audio token base payment system. An audio payment manager receives a request, at a device, for payment to a merchant, the request including a password. In response, the audio payment manager retrieves a personal identification number from a user of the device, an identifier associated with the user, a session code, or a combination thereof. The audio payment manager then generates an audio token at the device based, at least in part, on the password, the personal identification number, the identifier associated with the user, the session code, or the combination thereof, and causes, at least in part, conveyance of the audio token to the merchant to initiate the payment.