SECURE PAYMENT SERVICE AND SYSTEM FOR INTERACTIVE VOICE RESPONSE (IVR) SYSTEMS

A secure payment method, system or computer readable medium for a merchant's interactive voice response system are disclosed. The merchant's interactive voice response system receives customer calls and requests a payment from the customer. The customer responds to the request by providing over a data network authentication information and payment amounts for a payment service. The payment service provides the customer with a token which is communicated to the merchant's interactive voice response system, and the merchant's interactive voice response system transmits the token back to the payment service. Upon validating the token, the payment service issues an electronic payment or payment information to the merchant. The merchant's interactive voice response system announces a successful payment to the customer.