Methods and systems for relaying a sensitive information detail during a telephone call between a user's telephone and a recipient's telephone

Abstract

There is provided a method for relaying a sensitive information detail during a telephone call between a user's telephone and a recipient's telephone, the user's telephone storing the sensitive information detail therein, the method comprising: initiating a telephone call between the user and the recipient; the user's telephone receiving a predetermined input; during the telephone call, the user's telephone accessing the sensitive information detail stored in the user's telephone based on the predetermined input; and the user's telephone audibly relaying to the recipient the accessed sensitive information detail, wherein audibly relaying to the recipient the accessed sensitive information detail comprises the user's telephone converting, using at least one text-to-speech algorithm, the accessed sensitive information detail to an audible message containing the sensitive information detail and audibly relaying the audible message during the telephone call.

1 . A method for relaying a sensitive information detail during a telephone call between a user's telephone and a recipient's telephone, the user's telephone storing the sensitive information detail therein, the method comprising:
 (a) initiating a telephone call between the user and the recipient;   (b) the user's telephone receiving a predetermined input;   (c) during the telephone call, a processor of the user's telephone accessing the sensitive information detail stored in the user's telephone based on the predetermined input; and   (d) the processor causing the user's telephone to transmit a signal for audibly relaying to the recipient the accessed sensitive information detail via the recipient's telephone;   wherein audibly relaying to the recipient the accessed sensitive information detail comprises the user's telephone converting, using at least one text-to-speech algorithm, the accessed sensitive information detail to an audible message containing the sensitive information detail and audibly relaying the audible message during the telephone call.   
     
     
         2 . The method of  claim 1 , wherein receiving the predetermined input comprises the user inputting the predetermined input using the user's telephone. 
     
     
         3 . The method of  claim 2 , wherein the predetermined input comprises the user selecting a key or a sequence of keys on the user's telephone. 
     
     
         4 . The method of  claim 1 , wherein receiving the predetermined input comprises the recipient inputting the predetermined input using the recipient's telephone and the recipient's telephone relaying the inputted predetermined input to the user's telephone. 
     
     
         5 . The method of  claim 4 , wherein the predetermined input comprises the recipient selecting a key or a sequence of keys on the recipient's telephone. 
     
     
         6 . The method of  claim 1 , further comprising:
 the user's telephone receiving a second predetermined input;   (a) during the telephone call, the user's telephone accessing a second sensitive information detail stored in the user's telephone based on the second predetermined input; and   (b) the user's telephone audibly relaying to the recipient the accessed second sensitive information detail,   wherein audibly relaying to the recipient the accessed second sensitive information detail comprises the user's telephone converting, using at least one text-to-speech algorithm, the accessed second sensitive information detail to a second audible message containing the second sensitive information detail and audibly relaying the second audible message during the telephone call.   
     
     
         7 . The method of  claim 1 , further comprising receiving security authorization from the user using the user's telephone, wherein the security authorization is in the form of receiving one or more of a password, a fingerprint, a retinal-recognition image, or a facial-recognition image from the user's telephone. 
     
     
         8 . The method of  claim 7 , wherein receiving the predetermined input comprises receiving the security authorization. 
     
     
         9 . The method of  claim 1 , further comprising audibly relaying to the user the accessed sensitive information detail whilst audibly relaying to the recipient the accessed sensitive information detail. 
     
     
         10 . A user device comprising:
 (a) a processor and a memory, wherein the memory is configured to store one or more payment card details, including at least a first payment card detail;   (b) a display;   (c) a user interface usable by a user to provide input; and   (d) a telephone communication device configured to provide two-way audio communication;   wherein the processor is configured to, as part of a payment detail relay process:
 (i) establish a communication channel with a recipient via the telephone communication device; 
 (ii) in response to a predetermined input that indicates the start of a transaction, cause one or more graphics associated with the one or more payment card details to display via the display; 
 (iii) create an audible message based on the first payment card detail, wherein the audible message comprises synthesized speech describing the first payment card detail; and 
 (iv) in response to the user selecting a first graphic of the one or more graphics that is associated with the first payment card detail, via the user interface, audibly relay the audible message over the communication channel. 
   
     
     
         11 . The user device of  claim 10 , wherein the predetermined input is received from the recipient. 
     
     
         12 . The user device of  claim 10 , wherein the predetermined input is received:
 (i) from the recipient via an alternate communication channel other than the communication channel; and   (ii) while the recipient is still connected via the communication channel.   
     
     
         13 . The user device of  claim 10 , wherein the predetermined input is received from the user via the user interface. 
     
     
         14 . The user device of  claim 10 , wherein the payment detail relay process is configured on the user device after installation of a standalone software application on the user device. 
     
     
         15 . The user device of  claim 10 , wherein the payment detail relay process is configured on the user device as an integrated feature of an operating system installed on the user device. 
     
     
         16 . The user device of  claim 10 , wherein the processor is further configured to cause each of the one or more graphics to display via the display as an image of a payment card associated with that graphic. 
     
     
         17 . The user device of  claim 10 , wherein the processor is further configured to audibly relay the audible message over the communication channel so that it is audible to the recipient and the user. 
     
     
         18 . The user device of  claim 10 , wherein the processor is further configured to audibly relay the audible message over the communication channel so that it is audible to the recipient but not the user. 
     
     
         19 . A method for providing a payment detail relay process for a user device, the method comprising, with a processor of the user device:
 (a) storing one or more payment card details, including at least a first payment card detail, on a memory of the user device;   (b) establishing a communication channel with a recipient via a telephone communication device of the user device;   (c) in response to a predetermined input that indicates the start of a transaction, displaying one or more graphics associated with the one or more payment card details via a display of the user device;   (d) creating an audible message based on the first payment card detail, wherein the audible message comprises synthesized speech describing the first payment card detail; and   (e) in response to a user selecting a first graphic of the one or more graphics that is associated with the first payment card detail, via a user interface of the user device, audibly relaying the audible message over the communication channel.