US 12,469,019 B2
System and method for securely transacting over a landline
Christopher T. Scholl, Saint Peters, MO (US); James W. Barkhurst, Fenton, MO (US); and Shawn Mehrhoff, Saint Ann, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on May 2, 2022, as Appl. No. 17/734,817.
Application 17/734,817 is a continuation of application No. 16/601,115, filed on Oct. 14, 2019, granted, now 11,321,689.
Prior Publication US 2022/0261778 A1, Aug. 18, 2022
Int. Cl. G06Q 20/16 (2012.01); G06Q 20/36 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/16 (2013.01) [G06Q 20/3672 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/42 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing device for securely transacting over a communication channel between a merchant computing device and a user computing device, the computing device comprising at least one processor and a memory device in communication with the at least one processor, the at least one processor configured to:
identify a merchant identifier associated with a merchant and the merchant computing device;
generate, in response to successfully identifying the merchant identifier, a token for use in and associated with a first payment transaction, the token further associated with a user identifier of a user of the user computing device;
transmit the generated token and the user identifier associated with the token to a payment processor; and
wirelessly transmit a token message including the token to the user device, wherein when the token message is received by the user device, the token message causes the user device to generate an audio signal that is transmitted from the user computing device to the merchant computing device via the communication channel, wherein the audio signal is interpreted by the merchant computing device to initiate the first payment transaction that is processed over the payment processor in response to the token included in the token message matching the token transmitted to the payment processor, and wherein the token is not valid for use in subsequent transactions after completion of the first payment transaction.