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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| creator | KOISTINEN KIRMO KALEVI TERVO TIMO PEKKA KAUNISKANGAS HANNU SAKARI |
| description | 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. |
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| language | chi ; eng |
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| subjects | 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 |
| title | Method and apparatus for providing automated payment |
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