Systems and methods for verifying attributes of users of online systems
First Claim
1. A system that enables the sharing of information in an online environment, comprisinga plurality of user computers, wherein each of the plurality of user computers comprise random access memory, nonvolatile memory, one or more processors, and one or more computer programs, wherein each of the plurality of user computers exists as part of the online environment, wherein the online environment exists on one or more computers, wherein the one or more computers of the online environment includes the plurality of user computers and wherein the one or more computers of the online environment also includes one or more computers that are not included in the plurality of user computers, wherein each of the plurality of user computers is a mobile phone associated with a user, wherein the one or more computers of the online environment include one or more merchant computers, wherein each of the one or more merchant computers is associated with one or more merchants, and wherein the one or more computers of the online environment are together configured toregister a plurality of users for participation in an online environment, wherein each of the plurality of users registered for participation in the online environment is associated with one or more user computers that is one of the plurality of user computers, wherein the online environment permits interactions within the online environment between one or more users and one or more merchants;
- receive from a user that is one of the plurality of users registered for participation in the online environment a credit card attribute value of the user that is authorized to be verified, wherein the credit card attribute value comprises credit card information of the user;
send the user'"'"'s credit card attribute value that is authorized to be verified to one or more verification sources having evidence to verify the credit card attribute of the user, wherein none of the one or more verification sources having evidence to verify the credit card attribute of the user are the user for whom the credit card attribute value is to be verified or a user computer, wherein the one or more verification sources having evidence to verify the credit card attribute of the user are one or more of the one or more computers of the online environment, wherein the one or more verification sources having evidence to verify the credit card attribute of the user utilize a private database;
receive a verification related to the credit card attribute value of the user that is authorized to be verified and related to the evidence of the one or more verification sources having evidence to verify the credit card attribute value of the user;
send the verification related to the credit card attribute value to a user computer associated with the user, wherein the verification related to the credit card attribute value comprises virtual payment information;
receive from the user a virtual payment attribute value of the user that is authorized to be verified, wherein the virtual payment attribute value comprises the virtual payment information;
send the user'"'"'s virtual payment attribute value that is authorized to be verified to one or more verification sources having evidence to verify the virtual payment attribute value of the user, wherein the evidence to verify the virtual payment attribute of the user originates from a verification source that is not the user for whom the virtual payment attribute value is to be verified and is not a user computer but is one or more of the one or more computers of the online environment, wherein the one or more verification sources having evidence to verify the virtual payment attribute of the user utilize a private database;
receive a verification related to the virtual payment attribute value of the user; and
send the verification related to the virtual payment attribute value of the user to a merchant computer.
2 Assignments
0 Petitions
Accused Products
Abstract
For sharing of information in a virtual or online environment, methods and systems are provided which enable verifying attributes of an individual. An individual registered for participation in a virtual or online environment may provide evidence of the attributes from a verification source that exists outside the virtual or online environment. An administrator associated with the virtual or online environment verifies the attributes by receipt of the evidence. Alternatively, the attribute for the individual may be verified after receipt of one or more signals indicating individuals registered for participation in the virtual or online environment have corroborated the attributes. A verification indication for an attribute may be shared with other individuals in the virtual or online environment.
57 Citations
31 Claims
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1. A system that enables the sharing of information in an online environment, comprising
a plurality of user computers, wherein each of the plurality of user computers comprise random access memory, nonvolatile memory, one or more processors, and one or more computer programs, wherein each of the plurality of user computers exists as part of the online environment, wherein the online environment exists on one or more computers, wherein the one or more computers of the online environment includes the plurality of user computers and wherein the one or more computers of the online environment also includes one or more computers that are not included in the plurality of user computers, wherein each of the plurality of user computers is a mobile phone associated with a user, wherein the one or more computers of the online environment include one or more merchant computers, wherein each of the one or more merchant computers is associated with one or more merchants, and wherein the one or more computers of the online environment are together configured to register a plurality of users for participation in an online environment, wherein each of the plurality of users registered for participation in the online environment is associated with one or more user computers that is one of the plurality of user computers, wherein the online environment permits interactions within the online environment between one or more users and one or more merchants; -
receive from a user that is one of the plurality of users registered for participation in the online environment a credit card attribute value of the user that is authorized to be verified, wherein the credit card attribute value comprises credit card information of the user; send the user'"'"'s credit card attribute value that is authorized to be verified to one or more verification sources having evidence to verify the credit card attribute of the user, wherein none of the one or more verification sources having evidence to verify the credit card attribute of the user are the user for whom the credit card attribute value is to be verified or a user computer, wherein the one or more verification sources having evidence to verify the credit card attribute of the user are one or more of the one or more computers of the online environment, wherein the one or more verification sources having evidence to verify the credit card attribute of the user utilize a private database; receive a verification related to the credit card attribute value of the user that is authorized to be verified and related to the evidence of the one or more verification sources having evidence to verify the credit card attribute value of the user; send the verification related to the credit card attribute value to a user computer associated with the user, wherein the verification related to the credit card attribute value comprises virtual payment information; receive from the user a virtual payment attribute value of the user that is authorized to be verified, wherein the virtual payment attribute value comprises the virtual payment information; send the user'"'"'s virtual payment attribute value that is authorized to be verified to one or more verification sources having evidence to verify the virtual payment attribute value of the user, wherein the evidence to verify the virtual payment attribute of the user originates from a verification source that is not the user for whom the virtual payment attribute value is to be verified and is not a user computer but is one or more of the one or more computers of the online environment, wherein the one or more verification sources having evidence to verify the virtual payment attribute of the user utilize a private database; receive a verification related to the virtual payment attribute value of the user; and send the verification related to the virtual payment attribute value of the user to a merchant computer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system that enables the sharing of information in an online environment, comprising
a user computer that is one of a plurality of user computers, wherein each of the plurality of user computers comprise random access memory, nonvolatile memory, one or more processors, and one or more computer programs, wherein each of the plurality of user computers exists as part of the online environment, wherein the online environment exists on one or more computers, wherein the one or more computers of the online environment includes the plurality of user computers and wherein the one or more computers of the online environment also includes one or more computers that are not included in the plurality of user computers, wherein each of the plurality of user computers is a mobile phone associated with a user, wherein the one or more computers of the online environment include one or more merchant computers, wherein each of the one or more merchant computers is associated with one or more merchants, wherein the user computer is configured to register a user associated with the user computer for participation in the online environment, wherein the online environment permits interactions within the online environment between the user and a merchant associated with a merchant computer; -
accept as input from the user and hold in nonvolatile memory credit card information; generate a credit card attribute value of the user that is authorized to be verified, wherein the credit card attribute value comprises the credit card information of the user; send the user'"'"'s credit card attribute value that is authorized to be verified for receipt by a verification sources having evidence to verify the credit card attribute value of the user, wherein the verification source is not the user for whom the credit card attribute value is to be verified and is not a user computer but is one or more of the one or more computers of the online environment, wherein the verification source utilizes a private database; receive a verification related to the credit card attribute value of the user that is authorized to be verified and related to the evidence of the verification source having evidence to verify the credit card attribute value of the user, wherein the verification comprises virtual payment information; send to a merchant computer through a wireless network connection a virtual payment attribute value of the user that is authorized to be verified in connection with a transaction, wherein the virtual payment attribute value comprises the virtual payment information; and
wherein the transaction is a transaction between the user and a merchant associated with the merchant computer;receive a confirmation from the merchant computer related to the virtual payment attribute value of the user that is authorized to be verified and related to the transaction. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A system that enables the sharing of information in an online environment, comprising
a plurality of user computers, wherein each of the plurality of user computers is a mobile phone associated with a user, wherein each of the plurality of computers comprise random access memory, nonvolatile memory, one or more processors, and one or more computer programs, wherein each of the plurality of user computers exists as part of the online environment, wherein the online environment exists on one or more computers, wherein the one or more computers of the online environment includes the plurality of user computers and wherein the one or more computers of the online environment also includes one or more computers that are not included in the plurality of user computers, wherein the one or more computers of the online environment include one or more merchant computers, wherein each of the one or more merchant computers is associated with a merchant, and wherein the one or more computers of the online environment are together configured to register a user for participation in an online environment, wherein the online environment permits interactions within the online environment between one or more users of a plurality of users registered within the online environment and one or more merchants registered for participation in the online environment; -
receive from the user a credit card attribute value of the user that is authorized to be verified, wherein the credit card attribute value comprises credit card information of the user; send the credit card attribute value of the user that is authorized to be verified for receipt by a verification sources having evidence to verify the credit card attribute value of the user, wherein the verification source is a banking entity having a private database; generate a verification related to the credit card attribute value of the user that is authorized to be verified and related to the evidence of the verification source; receive authorization from the user to share the verification related to the credit card attribute value with one or more of the plurality of merchants; share with the one or more of the plurality of merchants the verification related to the credit card attribute value; receive from the user a virtual payment attribute value of the user that is authorized to be verified, wherein the virtual payment attribute value comprises virtual payment information; send the user'"'"'s virtual payment attribute value that is authorized to be verified to a verification source having evidence to verify the virtual payment attribute value of the user, wherein the verification source having evidence to verify the virtual payment attribute value of the user is a banking entity having a private database; receive a verification related to the virtual payment attribute value of the user that is authorized to be verified and related to the evidence of the verification source having evidence to verify the virtual payment attribute value of the user; and send the verification related to the virtual payment attribute value of the user that is authorized to be verified and related to the evidence of the verification that is received to a merchant computer. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31)
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Specification