Method and system for getting on-line status, authentication, verification, authorization, communication and transaction services for Web-enabled hardware and software, based on uniform telephone address, as well as method of digital certificate (DC) composition, issuance and management providing multitier DC distribution model and multiple accounts access based on the use of DC and public key infrastructure (PKI)

• US 20050114367A1
• Filed: 08/27/2004
• Published: 05/26/2005
• Est. Priority Date: 10/23/2002
• Status: Active Grant

• Current Assignee: Medialingua Group
• Original Assignee: Medialingua Group
• Inventors: Serebrennikov, Oleg
• Granted Patent: US 8,868,467 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 16/951 Indexing; Web crawling techniques
• CPC Class Codes: G06F 16/9566 URL specific, e.g. using aliases, detecting broken or misspelled links
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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 20/4014 Identity check for transactions
• 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

Abstract

Methods, systems, computer data signals, recordable media and methods of doing business for wireless or wired network communication between network resources each having a unique telephone number associated therewith, including, among other feature, forming a primary number file (PNF) comprising a uniform telephone address (UTA) which has a telephone number associated with a network resource. User-friendly and seamless payment procedure is provided wherein payer or payee only need to know accordingly the payee or payer UTA number to allow transaction and seamless payment routing between payer and payee bank accounts. Unified approach is allowed wherein financial institution also are networking Targets having UTA numbers assigned for them and the financial institution can receive Fund Transfer Agreement or Deal Agreement from networking Targets, authenticate payer using particular Target UTA and apply the payment from this particular UTA bank account. Internet Settlement Architecture provides unique implementation of a clearing routes ranging by using cost command for EEP; and the ranging in turn allows the routing management by using cost and time user preferences, thus allowing operational cost management implementation for financial institutions and their respective customers using cost tracing command. On-line, multi-tier and multi-route clearing infrastructure and payment services provide seamless and transparent payment cost and payment routing management, enabling End-to-End payment Straight Through Processing (STP). Network specific identifiers (such as UTA, ZUTA and others) and the network specific software user interfaces (phone user interface and only numeric keyboards) may be used to navigate and manage the Internet Settlement Infrastructure enabling seamless payment addressing and clearing. Users are enabled to address payments without a need to know payee'"'"'s banking details and payment routing information providing End-to-End account details resolution and Straight Through Processing for payment clearing services. Payment processing is diverted into online communication. Extensive use of the PKI trusted sources enables trusted financial account mappings allowing secure payment and clearing environment. The use of Attribute Certificates containing only payer network address mapped to its DCF network address allows filling in the DNS system database with the trusted mapping information avoiding the need to disclose the real banking details of the payee to a public. The use of existing DNS technology for resolution of trusted mapping information allows seamless gathering of banking routing information enabling on-line straight through processing.

Claims

1. A transactional communication method comprising:

assigning at least one network node, wherein a network identifier of said network node is associated with a unique transactional account identifier; and

addressing said transactional communication by means of said network identifier.

2. The transactional communication method as claimed in claim 1, wherein said transactional communication comprises a payment message, said payment message further comprising a network identifier of a payee, without detailed bank account information associated with said transactional communication.

3. The transactional communication method as claimed in claim 1, wherein said transaction-communication is generated by means of a user interface associated with a network communication device of a payer, said transactional communication comprising a payee network identifier and a payment amount entered via said user interface.

4. The transactional communication method as claimed in claim 2, wherein the payment message is incorporated in a communication namespace notation string.

5. The transactional communication method as claimed in claim 2, wherein the payee network identifier is mapped to a default clearing facility (DCF) network identifier of said payee by means of network resolution database implementation.

6. The transactional communication method as claimed in claim 5, wherein a mapping pair comprising said payee network identifier and said DCF network identifier is obtained from a digital certificate of the, said digital certificate being a source of trusted mapping information for deployment of a resolution database.

7. The transactional communication method as claimed in claim 6, wherein the payee network identifier is being resolved into the DCF network identifier of the payee by means of network resolution techniques and content of the resolution database.

8. The transactional communication method as claimed in claim 7, wherein a network comprises route tracing means for providing payment cost and time estimation and management.

9. The transactional communication method as claimed in claim 8, wherein alternative network payment routes are ascertained by said rout tracing means.

10. The transactional communication method as claimed in claim 9, further comprising managing said payment routes and selecting at least one of said payment routes based on at least one of said payment cost and said time estimation.

11. The transactional communication method as claimed in claim 7, wherein the payee network identifier is representative of an account of said payee, the payee DCF network identifier represents the clearing facility routing account of the payee, and a combination of the payee network identifier and the payee DCF network identifier represents the payee account details.

12. The transactional communication method as claimed in claim 11, wherein the clearing facility is a bank and the payee account details are the payee bank account details.

13. The transactional communication method as claimed in claim 11, wherein a clearing procedure is applied to the payee account details.

16. The transactional communication method as claimed in claim 1, wherein a clearing procedure is applied to a Client network identifier and DCF network identifier.

17. The transactional communication method as claimed in claim 1, wherein a clearing procedure is being applied to a child CF network identifier and respective mother CF network identifier.

18. The transactional communication method as claimed in claim 1, wherein at least one of a network resolution service and said transactional communication is billed and paid applying a clearing fee schedule.

19. The transactional communication method as claimed in claim 1, wherein payment services are being billed and paid applying at least one of said transaction communication and network resolution fee schedules.

20. The transactional communication method as claimed in claim 1, wherein a Digital Certificate (DC) comprising at least network identifier and its Default Clearing Facility network identifier of a holder of said DC is being sold.

21. The transactional communication method as claimed in claim 1, wherein namespace mapping services are sold to map a Target network identifier to a Default Clearing Facility network identifier associated with said Target network identifier.

22. The transactional communication method as claimed in claim 21, wherein based on the mapping, the namespace resolution services are sold providing resolution of a Target network identifier into a Default Clearing Facility network identifier associated with said Target network identifier.

23. The transactional communication method as claimed in claim 16, wherein said clearing service is being sold.

24. The transactional communication method as claimed in claim 17, wherein said clearing service is being sold.

26. The transactional communication method as claimed in claim 1, further comprising generating a communication wave or a signal carrying at least a payee network identifier and a sum of payment.

27. The transactional communication method as claimed in claim 26, wherein said communication wave or a signal is being sold.

28. The transactional communication method as claimed in claim 1, wherein billing is settled using peer-to-peer communication and the billing communication comprises account information of payee and payer in a form of respective network addresses.

29. The transactional communication method as claimed in claim 28, wherein said account information is associated with Universal Transaction Accounts.

34. The transactional communication method as claimed in claim 1, wherein a financial transaction processing fee associated with said transactional communication is represented to a customer as a creditability bonus.

35. The transactional communication method as claimed in claim 34, wherein the cost associated with said fee is charged by a financial service provide to said customer.

36. The transactional communication method as claimed in claim 34, wherein the cost associated with said fee is not charged by a financial service provide to a merchant.

37. The transactional communication method as claimed in claim 34, wherein a creditability rating is computed as a progressive total of said creditability bonus for a period of time.

38. The transactional communication method as claimed in claim 37, wherein said period of time is preset by a merchant and/or a financial institution for assessing a buying power (BP) of said customer

39. The transactional communication method as claimed in claim 38, wherein trading and lending determinations by said merchant and/or said financial institution are based on at least said assessing of said buying power (BP).

40. The transactional communication method as claimed in claim 34, wherein a buying power (BP) of said customer is associated with a creditability rating (CR) of said customer.

41. The transactional communication method as claimed in claim 40, wherein said buying power (BP) is determined by dividing said creditability rating (CR) by an average percentage of a transaction fee (APF) paid, whereby said buying power (BP) is an averaged sum of expenditures paid by the customer to at least one merchant for a period of time:

BP═

CR/(APF %/100%) where APF %/100% is a decimal expression of a percentage fee.

14. A communication system comprising:

a network implementing Internet transport protocols; and

a DNS system implementing network resolution DNS database mapping at least one network identifier of at least one payee to respective DCF network identifier of said at least one payee.

15. The communication system as claimed in claim 14, further comprising at least one clearing facility (CF), wherein said clearing facility is at least one of a bank or an Automated Clearing House (ACH) or a payment processing center or a credit card authorization center.

25. A communication wave or a signal carrying at least a payee network identifier and a sum of payment.

30. One or more sequences of instructions, wherein execution of said instructions by one or more processors causes the one or more processors to perform the step of generating a payee network identifier associated with a payee.

31. A memory capable of receiving, storing and retrieving one or more sequences of instructions, wherein execution of said instructions by one or more processors causes the one or more processors to perform the step of generating a payee network identifier associated with a payee.

32. Computer apparatus comprising one or more processors and/or one or more memory devices capable of executing one or more sequences of instructions, wherein execution of said instructions by said one or more processors causes the one or more processors to perform the step of generating a payee network identifier associated with a payee.

33. A system generating, receiving, storing or transmitting a communication wave or a signal carrying at least a payee network identifier and a sum of payment.