Distributed information storage, authentication and authorization system
First Claim
1. A method of approving a request for an on-line transaction with a service provider, the on-line transaction requested by a beneficiary over an electronic communication channel, the method comprising:
- a) subscribing a principal to an on-line transaction approval system;
b) enabling a beneficiary to access the on-line transaction approval system;
c) transmitting a service order request from the beneficiary to a service provider;
d) querying a proxy server with the service provider for authentication of the beneficiary and authorization by the principal of the transaction request; and
e) returning authorized personal information to the service provider to complete the on-line transaction as a function of authentication approval of the beneficiary and authorization approval by the principal.
2 Assignments
0 Petitions
Accused Products
Abstract
An on-line transaction approval system includes a service provider and a proxy server, along with a principal device operated by a principal. The principal has a user account with the on-line transaction approval system. A beneficiary operating a beneficiary device may be enabled to utilize the user account in on-line transactions. Upon receipt of an on-line service order request by the service provider from the beneficiary via the beneficiary device, the proxy server may receive a transaction request from the service provider. The principal device may receive notification of the service order request. The proxy server may provide authorized personal information to the service provider as a function of authentication of the beneficiary and authorization by the principal. The service provider may fulfill the service order request based on receipt of the authorized personal information.
38 Citations
28 Claims
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1. A method of approving a request for an on-line transaction with a service provider, the on-line transaction requested by a beneficiary over an electronic communication channel, the method comprising:
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a) subscribing a principal to an on-line transaction approval system;
b) enabling a beneficiary to access the on-line transaction approval system;
c) transmitting a service order request from the beneficiary to a service provider;
d) querying a proxy server with the service provider for authentication of the beneficiary and authorization by the principal of the transaction request; and
e) returning authorized personal information to the service provider to complete the on-line transaction as a function of authentication approval of the beneficiary and authorization approval by the principal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of approving a request for an on-line transaction with a service provider, the on-line transaction requested by a beneficiary over an electronic communication channel, the method comprising:
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a) enabling a beneficiary with access to a user account of a principal for on-line transactions;
b) receiving a transaction request as a function of an on-line transaction initiated by the beneficiary;
c) processing the transaction request for authorization by the principal; and
d) transmitting authorized personal information of the principal to enable completion of the on-line transaction when the on-line transaction is authorized by the principal. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A method of approving a request for an on-line transaction with a service provider, the on-line transaction requested by a beneficiary over an electronic communication channel, the method comprising:
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a) subscribing a principal to an on-line transaction approval system;
b) enabling a beneficiary to utilize the on-line transaction approval system;
c) receiving an authorization request with a principal device of the principal as a function of an on-line transaction initiated by the beneficiary;
d) selectively authorizing the on-line transaction in real time with the principal device as a function of the identity of the beneficiary and the nature of the on-line transaction; and
e) transmitting authorized personal information from the principal device to enable completion of the on-line transaction. - View Dependent Claims (18, 19, 20)
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21. An on-line transaction approval system for approving a request for an on-line transaction with a service provider, the on-line transaction requested by a beneficiary over an electronic communication channel, the on-line transaction approval system comprising:
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a service provider in communication with a beneficiary, the service provider operable to receive a service order request from the beneficiary, the service order request comprising a beneficiary ID and a beneficiary password; and
a proxy server in communication with the service provider, the proxy server operable to receive a transaction request from the service provider as a function of the service order, the transaction request comprising the beneficiary ID, the beneficiary password and transaction information;
the proxy server operable to provide authorized personal information to the service provider as a function of authentication of the beneficiary and authorization approval by a principal, the beneficiary enabled with access to make the service order request by the principal. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28)
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Specification