System and method for performing payment transactions, verifying age, verifying identity, and managing taxes
First Claim
1. A method of verifying the age of a user purchasing goods or services from a merchant, the method comprising:
- obtaining stored information from a smartcard associated with the user, the stored information comprising an age token identifying the validated age of the user;
sending the stored information obtained from the smartcard from a client-side application to a merchant application;
receiving at the merchant a confirmation from a validation authority verifying the authenticity of the age token received from the client-side application.
1 Assignment
0 Petitions
Accused Products
Abstract
Age authentication and management of taxes for a merchant. The merchant can verify the age of a customer based on the customer'"'"'s use of a smartcard that is obtained from a validation authority. The smartcard may contain a certificate related to the age of the user. By utilizing the smartcard, the user can go to an online, virtual, or brick-and-mortar merchant and buy goods requiring age restrictions. When the customer proceeds to purchase a good or service requiring age verification, the merchant'"'"'s application can obtain information from the smartcard and request from the validation authority information authenticating the user'"'"'s age. Further, the validation authority may also remit and pay taxes on behalf of the merchant based on the location of the merchant and other information stored in a merchant profile.
86 Citations
20 Claims
-
1. A method of verifying the age of a user purchasing goods or services from a merchant, the method comprising:
-
obtaining stored information from a smartcard associated with the user, the stored information comprising an age token identifying the validated age of the user; sending the stored information obtained from the smartcard from a client-side application to a merchant application; receiving at the merchant a confirmation from a validation authority verifying the authenticity of the age token received from the client-side application. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. A system for authenticating the age of a consumer using a smartcard, the system comprising:
-
a validation authority for issuing the smartcard; a client-side application to initiate age authentication using a computing device; a merchant application for receiving and sending information to a validation authority and the client-side application to authenticate the age of the consumer; and wherein the validation authority is operative to send a certificate verifying the age of the consumer to the merchant application. - View Dependent Claims (9, 10, 11, 12, 14)
-
-
13. A method for validating the identity of a consumer by a merchant, the method comprising:
-
detecting an Internet address associated with a computing device; receiving a personal identification number (“
PIN”
) from the consumer to process a payment transaction;querying a validation authority for information related to the consumer, wherein the information comprises a certificate validating the identity of the user stored on a smartcard; querying a client-side application to confirm the validity of the Internet address associated with the computing device; and if the Internet address matches, accepting the validated identity of the consumer received from the validation authority.
-
-
15. A method for performing a payment transaction using a validation authority, the method comprising:
-
in response to receiving a request from a client-side application, confirming the positioning and validation of a smartcard; in response to receiving a request from a merchant application, sending to the merchant application information related to the smartcard, wherein the information comprises a certificate confirming the user'"'"'s identity; receiving from the merchant application an amount of the payment transaction to be processed at a merchant; sending the client-side application a list of one or more payment accounts stored at the validation authority; receiving from the client-side application a selection of the payment account for processing the payment transaction; passing information related to the selected payment account to the merchant application to allow the merchant to complete the payment transaction. - View Dependent Claims (16, 17, 18, 19, 20)
-
Specification