Methods and computer-readable media for enabling secure online transactions with simplified user experience

• US 10,180,958 B2
• Filed: 10/11/2007
• Issued: 01/15/2019
• Est. Priority Date: 06/04/2007
• Status: Active Grant

• Current Assignee: BCE Incorporated
• Original Assignee: BCE Incorporated
• Inventors: Fortier, Stephane Maxime Francois, Bouchard, Jean, Fagan, James Francis, Murray, Sean MacLean, Zlobec, Sanro
• Primary Examiner(s): Rudy, Andrew Joseph
• Application Number:
  US12/087,427
• Publication Number:
  US 20100223164A1
• Time in Patent Office: 4,114 Days
• Field of Search: 705 26- 28, 705 39, 705 30, 705 35, 705 40, 705223, 705225, 709206, 709223, 709225, 709203, 709217, 707607, 707225, 707227
• CPC Class Codes: G06F 16/24 Querying
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0254 based on statistics
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0264 based upon schedule
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0277 Online advertisement
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: H04L 63/0892 by using authentication-authorization-accounting [AAA] servers or protocols
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds

Abstract

A method, which comprises determining a logical identifier used for communication over a network portion managed by a service provider and transmitting to a computing apparatus adapted to effect online transactions involving a payer and a payee an indication of the service provider having agreed to act as the payer for at least one online transaction requested by a requesting device that uses the logical identifier. Also, a method, which comprises determining a logical identifier used to identify a device during a request for an online transaction; identifying, based on the logical identifier, a third party that has agreed to act as a payer for the online transaction; providing a user of the device with an opportunity to confirm the third party as the payer for the online transaction; and completing the online transaction based on input from the user.

Claims

1. A method performed by a network entity in a portion of a network managed by a service provider, the method comprising:

monitoring, by the network entity, data exchanged over the network portion between a requesting device using a logical identifier for communication over the network portion managed by the service provider and a transaction server separate from the network entity, the transaction server adapted to effect online transactions involving a payer and a payee;

determining at the network entity from the monitored data that the requesting device is susceptible of performing a future transaction with the transaction server;

determining, at the network entity within the portion of the network managed by the service provider, the logical identifier used by the requesting device for communication over the network portion managed by the service provider at least in part from the monitored data;

identifying a customer associated with said logical identifier;

determining whether said customer is a premium customer;

if said customer is determined to be a premium customer, determining if said service provider will act as the payer for at least one eventual online transaction between the requesting device and transaction server; and

transmitting a message to the server if said customer is a premium customer and said service provider is determined to act as the payer, the message specifying said logical identifier and including an indication that said service provider has agreed to act as the payer for the at least one eventual online transaction requested by a device that uses said logical identifier.

2. The method defined in claim 1, wherein said determining comprises determining that the requesting device has gained access to a data network to which access is controlled by the service provider.

3. The method defined in claim 1, wherein said transaction server is associated with a specific trusted merchant from a plurality of trusted merchants.

4. The method defined in claim 3, further comprising transmitting to other servers associated with other trusted merchants an indication of said service provider entity having agreed to act as the payer for at least one online transaction requested by a device that uses said logical identifier.

5. The method defined in claim 1, further comprising transmitting to the transaction server an indication of validity of a time period during which said service provider has agreed to act as the payer for the at least one eventual online transaction requested by the device that uses said logical identifier.

6. The method defined in claim 4, wherein said transmitting is effected prior to an online transaction involving any of the trusted merchants and a device that uses said logical identifier.

7. The method defined in claim 1, wherein said transaction server is associated with a merchant, said method further comprising:

determining whether said merchant is a trusted merchant;

wherein said transmitting is effected only if said merchant is a trusted merchant.

8. The method defined in claim 1, further comprising:

determining at least one restriction associated with transactions involving said customer.

9. The method defined in claim 8, further comprising transmitting to said transaction server an indication of said at least one restriction.

10. The method defined in claim 9, wherein said at least one restriction indicates a maximum dollar amount per transaction.

11. The method defined in claim 9, wherein said at least one restriction further comprises a temporal restriction.

12. The method defined in claim 1, wherein said logical identifier is an Internet Protocol address.

13. The method defined in claim 1, wherein completing the specific eventual online transaction comprises providing payment information to said transaction server to allow said service provider to be charged for the specific eventual online transaction.

14. The method defined in claim 13, wherein said transaction server is associated with a merchant, and wherein providing payment information comprises identifying an account established by said merchant for said service provider.

15. The method defined in claim 1, further comprising:

identifying a customer associated with said logical identifier; and

charging said customer after the specific eventual online transaction has been completed.

16. The method defined in claim 15, wherein charging said customer comprises debiting an account for said customer by an amount relating to the specific eventual online transaction.

17. The method defined in claim 16, wherein charging said customer comprises charging an amount relating to the specific eventual online transaction to a payment instrument provisioned for said customer.

18. A network entity for use in a portion of a network managed by a service provider, comprising:

an interface configured to communicate over the network portion managed by the service provider; and

a processing unit configured to;

monitor data exchanged over the network portion between a requesting device using a logical identifier for communication over the network portion managed by the service provider and a transaction server, separate from the network entity, the transaction server adapted to effect online transactions involving a payer and a payee;

determine at the network entity from the monitored data that the requesting device is susceptible of performing a future transaction with the transaction server;

determine the logical identifier used for communication over said network portion at least in part by from the monitored data;

identify a customer associated with said logical identifier;

determine whether said customer is a premium customer;

if said customer is determined to be a premium customer, determine if said service provider will act as the payer for at least one eventual online transaction between the requesting device and transaction server; and

transmit a message to the server if said customer is a premium customer and said service provider is determined to act as the payer, the message specifying said logical identifier and including an indication that said service provider has agreed to act as the payer for the at least one eventual online transaction requested by a device that uses said logical identifier.

19. A computer-readable medium comprising computer-readable program code which, when interpreted by a network entity within over a network portion managed by a service provider, causes the network entity to execute a method, the computer-readable program code comprising:

first computer-readable program code for causing the network entity to monitor data exchanged over the network portion between a requesting device using a logical identifier for communication over the network portion managed by the service provider and a transaction server, separate from the network entity, the transaction server adapted to effect online transactions involving a payer and a payee;

second computer-readable program code for causing the network entity to determine at the network entity from the monitored data that the requesting device is susceptible of performing a future transaction with the transaction server;

third computer-readable program code for causing the network entity to determine the logical identifier used for communication over the network portion managed by the service provider at least in part from the monitored data;

fourth computer-readable program code for causing the network entity to identify a customer associated with said logical identifier;

fifth computer-readable program code for causing the network entity to determine whether said customer is a premium customer;

sixth computer-readable program code for causing the network entity to, if said customer is determined to be a premium customer, determine if said service provider will act as the payer for at least one eventual online transaction between the requesting device and transaction server; and

seventh computer-readable program code for causing the network entity to transmit a message to the server if said customer is a premium customer and said service provider is determined to act as the payer, the message specifying said logical identifier and including an indication that said service provider has agreed to act as the payer for the at least one eventual online transaction requested by a device that uses said logical identifier.

20. A network entity for use in a portion of a network managed by a service provider, comprising:

monitoring, by the network entity, data exchanged over the network portion between a requesting device using a logical identifier for communication over the network portion managed by the service provider and a transaction server separate from the network entity, the transaction server adapted to effect online transactions involving a payer and a payee;

means for determining at the network entity from the monitored data that the requesting device is susceptible of performing a future transaction with the transaction server;

means for determining the logical identifier used for communication over the network portion managed by the service provider at least in part from the monitored data;

means for identifying a customer associated with said logical identifier;

means for determining whether said customer is a premium customer;

means for, if said customer is determined to be a premium customer, determining if said service provider will act as the payer for at least one eventual online transaction between the requesting device and transaction server; and

means for transmitting a message to the server if said customer is a premium customer and said service provider is determined to act as the payer, the message specifying said logical identifier and including an indication that said service provider has agreed to act as the payer for the at least one eventual online transaction requested by a device that uses said logical identifier.