SYSTEM AND METHOD FOR PROTECTING IDENTITY INFORMATION

• US 20070067832A1
• Filed: 09/20/2006
• Published: 03/22/2007
• Est. Priority Date: 03/11/2003
• Status: Active Grant

• Current Assignee: Microsoft Technology Licensing LLC (Microsoft Corporation)
• Original Assignee: Microsoft Corporation
• Inventors: Pleyer, Sven, Cluts, Jonathan, Heath, Pamela
• Granted Patent: US 7,882,548 B2
• Time in Patent Office: Days
• US Class Current: 726/5
• CPC Class Codes: G06F 21/6263 during internet communication, e.g. revealing personal data from cookies
• CPC Class Codes: G06F 21/6272 by registering files or documents with a third party
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1083 Counting of PIN attempts

Abstract

A method is provided for using an identity service for protecting identity information during an electronic transaction. The method includes registering an identity client, wherein the identity client possesses an associated multi-component identity. The method further includes regulating access to the multi-component identity such that the identity service authorizes dissemination of fewer than all components of the multi-component identity to an identity requester. Additionally, a method for providing client identity repair protect a client from fraudulent distribution of electronically available client identity information. Upon detection of fraudulent distribution of identity information, a new identity reference is created and attempts to access an old identity reference are tracked. If the attempts to access the old identity reference are authorized, the attempts are re-directed to the new identity reference. However, if the attempts were unauthorized, access to the new identity reference is denied.

Claims

1. A method for using an identity service for protecting identity information during an electronic transaction, the method comprising:

registering an identity client, wherein the identity client possesses an associated multi-component identity; and

regulating access to the multi-component identity such that the identity service authorizes dissemination of fewer than all components of the multi-component identity to an identity requestor.

2. The method of claim 1, further comprising creating a unique identity pointer with the identity service that controls access to the multi-component identity.

3. The method of claim 1, further comprising accessing the multi-component identity outside of the identity service.

4. The method of claim 1, further comprising receiving an identity information request from an identity requester participating in a retail transaction.

5. The method of claim 1, further comprising determining appropriate identity components by locating a requester class.

6. The method of claim 5, wherein locating a requester class comprises locating one of a merchant class, credit service provider class;

and delivery service class.

7. The method of claim 6, wherein a component available for the merchant class is verification of sufficient funds.

8. The method of claim 6, wherein a component available for the credit service provider class includes a transaction amount.

9. The method of claim 6, wherein components available for the delivery service class include an address and phone number.

10. The method of claim 1, further comprising tagging distributed identity information in order to indicate origin.

11. The method of claim 10, further comprising providing identity repair upon detection of fraudulently distributed identity information.

12. A computer-readable medium having computer-executable instructions for performing the method recited in claim 1.

25. The system of claim 1, further comprising means for tagging distributed identity information in order to indicate origin.

13. An identity service for protecting identity information during an electronic transaction, the identity service comprising:

registration tools for registering identity clients and identity requesters, wherein each identity client is associated with an identity having a plurality of discrete components;

reference tools for creating a unique identity pointer to reference the identity of each identity client; and

access distribution logic for regulating access to the identity such that each registered identity requester is entitled to access fewer than all components of the identity.

14. The identity service of claim 13, wherein the identity information distribution logic determines the components of available information by locating a requester class.

15. The identity service of claim 14, wherein the requester class includes one of a merchant class, credit service provider class;

and delivery service class.

16. The identity service of claim 15, wherein available identity components for the merchant class includes verification of sufficient funds, available identity components for the credit service provider class include a transaction amount, and available identity components for the delivery service class include an address and phone number.

17. The identity service of claim 13, further comprising identity insurance and repair mechanisms.

18. A system for controlling distribution of client identity information during an electronic transaction, the system comprising:

identity request processing tools for processing a request for client identity information from an identity requester;

identity information distribution logic for determining a type of client identity information available to the identity information requester;

reference tools for referencing the type of available client identity information; and

identity information dissemination tools for providing the available type of identity information to the identity requester.

19. The system of claim 18, wherein the reference tools comprise an identity pointer for pointing to the client identity information.

20. The system of claim 18, wherein the identity requester is a participant in a retail transaction.

21. The system of claim 18, wherein the identity information distribution logic determines the type of available information by locating a requester class.

22. The system of claim 21, wherein the requester class includes one of a merchant class, credit service provider class;

and delivery service class.

23. The system of claim 22, wherein available identity information for the merchant class includes verification of sufficient funds, available identity information for the credit service provider class includes a transaction amount, and available identity information for the delivery service class includes an address and phone number.

24. The system of claim 18, wherein the client identity information is located outside the identity service.

26. The system of claim 18, further comprising an identity insurance component for providing identity repair upon detection of fraudulently distributed identity information.

27. A method for controlling distribution of client identity information during an electronic transaction using an identity service, the method comprising:

receiving an incoming request for client identity information from an identity requestor;

determining a subset of client identity information available to the identity requestor;

referencing the available subset of client identity information; and

disseminating only the available subset of client identity information to the identity requester.

28. The method of claim 27, further comprising referencing the available subset of client identity information using an identity pointer to the identity information.

29. The method of claim 27, wherein the client identity information is located outside of the identity service.

30. The method of claim 27, further comprising receiving the identity information request from an identity requester participating in a retail transaction.

31. The method of claim 27, further comprising determining a type of available information by locating a requester class.

32. The method of claim 31, wherein locating a requester class comprises locating one of a merchant class, credit service provider class;

and delivery service class.

33. The method of claim 32, wherein available identity information for the merchant class includes verification of sufficient funds, available identity information for the credit service provider class includes a transaction amount, and available identity information for the delivery service class includes an address and phone number.

34. The method of claim 27, further comprising tagging distributed identity information in order to indicate origin.

35. The method of claim 27, further comprising providing identity repair upon detection of fraudulently distributed identity information.

36. A computer-readable medium having computer-executable instructions for performing the method recited in claim 27.

37-39. -39. (canceled)