Systems and methods for verifying attributes of users of online systems

• US 10,516,658 B2
• Filed: 12/17/2018
• Issued: 12/24/2019
• Est. Priority Date: 12/16/2013
• Status: Active Grant

• Current Assignee: Matthew Rappaport
• Original Assignee: MBR Innovations, LLC
• Inventors: Rappaport, Matthew B.
• Primary Examiner(s): Najjar, Saleh
• Assistant Examiner(s): Teng, Louis C
• Application Number:
  US16/221,817
• Publication Number:
  US 20190124062A1
• Time in Patent Office: 372 Days
• CPC Class Codes: G06F 21/30 Authentication, i.e. establishing the identity or authorisation of security principals
• CPC Class Codes: G06F 21/6263 during internet communication, e.g. revealing personal data from cookies
• CPC Class Codes: H04L 51/52 for supporting social networking services
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/12 Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32

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.

Claims

1. A computer-implemented method for enabling sharing of information in an online environment, comprising:

registering a user for participation in an online environment through a user computer that is a mobile phone that is associated with the user, wherein the mobile phone that is associated with the user is one of a plurality of user computers within the online environment, wherein at least one of the plurality of user computers is a mobile phone that comprises a display, a wireless network interface, random access memory, nonvolatile memory, one or more processors, and a plurality of computer programs, and wherein the online environment permits transactions within the online environment between the user and a plurality of merchants;

receiving at one or more server computers a credit card attribute value of the user, wherein the one or more server computers are within the online environment and are not included in the plurality of user computers, wherein the credit card attribute value comprises a credit card number and other information pertaining to the credit card of the user, wherein the credit card attribute value of the user is received from the user computer that is a mobile phone that is associated with the user, and wherein the credit card attribute value is encrypted by the user computer;

receiving at the one or more server computers a name attribute value that pertains to the user'"'"'s name, wherein the name attribute value is received from the user computer, and wherein the name attribute value is encrypted by the user computer;

sending from the one or more server computers the user'"'"'s credit card attribute value that is authorized to be verified and the user'"'"'s name attribute value 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, wherein none of the one or more verification sources having evidence to verify the credit card attribute of the user are a user computer, wherein the user'"'"'s credit card attribute value and name attribute value are encrypted by the one or more server computers prior to being sent to the one or more verification sources having evidence to verify the credit card attribute value of the user;

receiving at the one or more server computers a verification related to the credit card attribute value of the user, wherein the verification related to the credit card attribute value of the user is received from the one or more verification sources;

sending from the one or more server computers to the user computer the verification related to the credit card attribute value, wherein the verification related to the credit card attribute value comprises virtual payment information;

sending from the user computer to a merchant computer the virtual payment attribute value of the user, wherein the virtual payment attribute value comprises the virtual payment information, wherein the virtual payment attribute value is sent from the user computer to the merchant computer, and wherein the virtual payment attribute value of the user is sent only after the user provides authentication information in the form of one or more of fingerprint identification information, facial recognition information, iris recognition information, retina recognition information, and a password;

sending the user'"'"'s virtual payment attribute value from the merchant computer to one or more verification sources having evidence to verify the virtual payment attribute value of the user, wherein the one or more verification sources having evidence to verify the virtual payment attribute of the user is not the user for whom the virtual payment attribute value is to be verified and is not a user computer;

receiving at the merchant computer a verification related to the virtual payment attribute value of the user, wherein the verification related to the virtual payment attribute value of the user is received from the one or more verification sources having evidence to verify the virtual payment attribute of the user; and

receiving at the user computer the verification related to the virtual payment attribute value of the user;

wherein the verification related to the virtual payment attribute of the user is received from the merchant computer.

2. The computer-implemented method of claim 1, wherein each of the plurality of user computers comprises a display, a wireless network interface, random access memory, nonvolatile memory, one or more processors, and a plurality of computer programs.

3. The computer-implemented method of claim 1, wherein the verification related to the credit card attribute value of the user that is received by the one or more server computers is related to the evidence of the one or more verification sources having evidence to verify the credit card attribute value of the user.

4. The computer-implemented method of claim 1, wherein the virtual payment attribute value is sent from the user computer to the merchant computer through a wireless connection.

5. The computer-implemented method of claim 1, wherein the virtual payment attribute value is sent from the user computer to the merchant computer through a wireless connection in the form of an electromagnetic signal.

6. The computer-implemented method of claim 1, wherein the credit card attribute value of the user is authorized to be verified by the user at or before the time it is received at the one or more server computers.

7. The computer-implemented method of claim 1, wherein each of the one or more verification sources having evidence to verify the credit card attribute value of the user performs verification of the user'"'"'s credit card attribute value in an automated fashion without human intervention.

8. A server that exists as a part of a system that enables sharing of information in an online environment,

wherein the server exists as part of the online environment, wherein the online environment includes one or more computers that are not servers, wherein the online environment permits transactions within the online environment between a user and a plurality of merchants, and wherein the server is configured to

receive a credit card attribute value of the user, wherein the credit card attribute value comprises a credit card number and other information pertaining to the credit card of the user, wherein the credit card attribute value of the user is received from a user computer that is associated with the user, and wherein the credit card attribute value is encrypted by the user computer;

receive a name attribute value that pertains to the user'"'"'s name, wherein the name attribute value is received from the user computer, and wherein the name attribute value is encrypted by the user computer;

send the user'"'"'s credit card attribute value and the user'"'"'s name attribute value 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, wherein none of the one or more verification sources having evidence to verify the credit card attribute of the user are a user computer, and wherein the user'"'"'s credit card attribute value and name attribute value are encrypted by the server prior to being sent to the one or more verification sources having evidence to verify the credit card attribute value of the user;

receive a verification related to the credit card attribute value of the user, wherein the verification related to the credit card attribute value of the user is received from the one or more verification sources; and

send to the user computer the verification related to the credit card attribute value, wherein the verification related to the credit card attribute value comprises virtual payment information.

9. The server of claim 8, wherein the server comprises a single server computer.

10. The server of claim 8, wherein the server comprises two or more server computers.

11. The server of claim 8, wherein the user computer is a mobile device.

12. The server of claim 8, wherein the user computer is a mobile phone.

13. The server of claim 8, wherein the credit card attribute value of the user that is received has been authorized to be verified by the user prior to receipt by the server.

14. The server of claim 8, wherein the verification related to the credit card attribute value of the user is also related to the evidence of the one or more verification sources having evidence to verify the credit card attribute value of the user.

15. A user computer that exists as part of a system that enables sharing of information in an online environment,

wherein the user computer comprises a display, a wireless network interface, random access memory, nonvolatile memory, one or more processors, and a plurality of computer programs, wherein the user computer exists as part of the online environment, wherein the online environment includes one or more server computers that are not user computers, wherein the online environment includes one or more merchant computers, wherein the online environment permits transactions within the online environment between a user and a plurality of merchants, and wherein the user computer is configured to

register a user for participation in the online environment, wherein the user registered for participation in the online environment is associated with the user computer;

send to one or more server computers a credit card attribute value of the user, wherein the credit card attribute value comprises a credit card number and other information pertaining to the credit card of the user, wherein the credit card attribute value of the user is sent from the user computer, and wherein the credit card attribute value is encrypted by the user computer;

send to the one or more server computers a name attribute value that pertains to the user'"'"'s name, wherein the name attribute value is encrypted by the user computer;

receive from the one or more server computers a verification related to the credit card attribute value, wherein the verification related to the credit card attribute value comprises virtual payment information;

store the virtual payment information in nonvolatile memory on the user computer;

send to a merchant computer a virtual payment attribute value of the user as part of a transaction, wherein the virtual payment attribute value comprises the virtual payment information, wherein the virtual payment attribute value is sent from the user computer to the merchant computer through a wireless connection, and wherein the virtual payment attribute value of the user is sent only after the user provides authentication information in the form of one or more of fingerprint identification information, facial recognition information, iris recognition information, retina recognition information, and a password; and

receive from the merchant computer a verification related to the virtual payment attribute value of the user as part of the transaction.

16. The user computer of claim 15, wherein the virtual payment attribute value sent from the user computer to the merchant computer through a wireless connection is sent in the form of an electromagnetic signal.

17. The user computer of claim 15, wherein the user computer is a mobile phone.

18. The user computer of claim 15, wherein the virtual payment attribute value of the user is sent only after the user provides authentication information in the form of fingerprint identification.

19. The user computer of claim 15, wherein the virtual payment attribute value of the user is sent only after the user provides authentication information in the form of facial recognition information.

20. The user computer of claim 15, wherein the virtual payment attribute value of the user is sent only after the user provides authentication information in the form of a password.

21. The user computer of claim 15, wherein the user computer is further configured to

receive input from the user that authorizes the credit card attribute value of the user to be verified prior to sending to the one or more server computers the credit card attribute value of the user and

receive input from the user that authorizes the virtual payment information of the user to be verified prior to sending to the merchant computer the virtual payment attribute value of the user.

22. The user computer of claim 15, wherein the credit card attribute value of the user is authorized to be verified by the user at or before the time it is sent to the one or more server computers.

23. The user computer of claim 15, wherein the virtual payment information stored on the user computer is encrypted, and wherein the virtual payment information is not stored on a server computer.