SECURE NETWORK COMMERCIAL TRANSACTIONS
2 Assignments
0 Petitions
Accused Products
Abstract
Current embodiments provide for authorization and payment of an online commercial transaction between a purchaser and a merchant including verification of an identity of the purchaser and verification of an ability of the purchaser to pay for the transaction, where the identity provider and the payment provider are often different network entities. Other embodiments also provide for protocols, computing systems, and other mechanisms that allow for identity and payment authentication using a mobile module, which establishes single or multilevel security over an untrusted network (e.g., the Internet). Still other embodiments also provide for a three-way secure communication between a merchant, consumer, and payment provider such that sensitive account information is opaque to the merchant, yet the merchant is sufficiently confident of the consumer'"'"'s ability to pay for requested purchases. In yet another embodiment, electronic billing information is used for authorization, auditing, payment federation, and other purposes.
540 Citations
190 Claims
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1-131. -131. (canceled)
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132. At a consumer computing device in a distributed system, a method of providing a secure commercial transaction for online purchase of services, goods, or both, by establishing a three-way exchange of data between computing devices for a consumer, merchant, and payment provider, the method comprising:
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sending an online request to purchase one or more services, goods, or both, offered by a merchant;
receiving billing information from the merchant, which includes a cost associated with the purchase of the one or more services, goods, or both;
sending a request for payment authorization for the cost from a consumer computing device to at least one payment provider, wherein the consumer has a billing account with the at least one payment provider;
receiving from the at least one payment provider a payment token as proof of an ability for the consumer to pay for at least a portion of the one or more services, goods, or both, wherein the payment token uniquely identifies the authorization of payment for the at least a portion of the cost without providing sensitive information about the billing account for the consumer;
sending the payment token from the consumer computing device to the merchant, wherein the merchant uses the payment token to validate payment with the payment provider, which makes the sensitive information about the billing account opaque to the merchant while still providing for secure payment validation; and
receiving acknowledgment of the validity of the payment token indicating appropriate transfer of the one or more services, goods, or both, from the merchant to the consumer. - View Dependent Claims (133, 143, 145, 146, 147)
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134-142. -142. (canceled)
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144. (canceled)
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148-165. -165. (canceled)
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166. In a distributed computing system for executing an online commercial transaction, a method of making payment authorization based on an electronic bill presentation for maintaining a record of the online transaction for auditing, fraud protection, and other purposes, the method comprising:
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receiving at a consumer computing device an electronic bill that includes a description and cost for purchasing of one or more services, goods, or both, from a merchant during an online commercial transaction thereof; and
sending a copy of the electronic bill to a payment provider for authorizing payment of the one or more services, goods, or both. - View Dependent Claims (167, 168, 169, 170)
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171. In a distributed computing system for executing an online commercial transaction, a method of authorizing payment for services, goods, or both, from a merchant based on an electronic bill presentation for maintaining a record of the online transaction for auditing, fraud protection, and other purposes, the method comprising:
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receiving at a payment provider an electronic bill that includes a description and cost for purchasing of one or more services, goods, or both, by a consumer computing device during an online commercial transaction; and
sending a payment token to the consumer that includes a copy of at least a portion of the electronic bill for authorizing payment of the one or more services, goods, or both, from a merchant. - View Dependent Claims (172, 173, 174, 175)
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176-182. -182. (canceled)
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183. In a distributed online system for performing a commercial transaction, a method of presenting a consumer with payment options based on analysis of a electronic bill and policies or rules defined by a merchant, consumer, or both, the method comprising:
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receiving at a consumer device an electronic bill that includes information about a purchase request for goods, services, or both, from a merchant;
comparing information from within the electronic bill with one or more predefined rules from the consumer, merchant, or both; and
based on the comparison, determining an appropriate action that meets the requirements of the one or more predefined rules. - View Dependent Claims (184, 188, 190)
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185-187. -187. (canceled)
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189. (canceled)
Specification