UNIFIED PLATFORM FOR REPUTATION AND SECURE TRANSACTIONS

• US 20080301055A1
• Filed: 05/31/2007
• Published: 12/04/2008
• Est. Priority Date: 05/31/2007
• Status: Abandoned Application

• Current Assignee: Microsoft Technology Licensing LLC (Microsoft Corporation)
• Original Assignee: Microsoft Corporation
• Inventors: Jain, Kamal, Borgs, Christian Herwarth, Chayes, Jennifer Tour, Mirrokni, Vahab, Immorlica, Nicole S.
• Application Number:
  US11/755,987
• Publication Number:
  US 20080301055A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/356 Aspects of software for card payments
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

The claimed subject matter provides a unified platform system and/or a method that facilitates optimizing an online transaction. The unified platform system can include a secured transaction component that can secure a portion of transactional data related to an online transaction between at least one buyer and at least one merchant utilizing a secure transaction technique. The unified platform system can include a reputation assessment component that can receive a portion of reputation data related to at least one of the buyer or the merchant based at least in part upon verifying completion of the online transaction between such buyer and merchant. The unified platform system can publish the portion of reputation data coupled with a portion of non-private transactional data to provide context for the reputation data.

Claims

1. A unified platform system that facilitates employing an online transaction, comprising:

a secured transaction component that secures a portion of transactional data related to an online transaction between at least one buyer and at least one merchant utilizing a secure transaction technique;

a reputation assessment component that receives a portion of reputation data related to at least one of the buyer or the merchant based at least in part upon verifying completion of the online transaction between such buyer and merchant;

the secured transaction component and the reputation assessment component are tightly coupled to one another within the unified platform system; and

the unified platform system publishes the portion of reputation data coupled with a portion of non-private transactional data to provide context for the reputation data.

2. The unified platform system of claim 1, the transactional data is related to at least one of personal information, a name, an age, an address, a social security number, a driver'"'"'s license number, a gender, a phone number, a height, a weight, financial information, a bank name, a credit card type, an account holder, a payment type, a credit card, a cash on delivery (COD), a check, a money order, virtual credit card, account information, a routing number, a check number, a credit card number, credit card data, an expiration date, a card limit, a cost of a good, a cost of a service, a time of purchase, a data of purchase, or a shipping cost.

3. The unified platform system of claim 1, the secure transaction technique is at least one of a username, a password, a security token, a digital identity, a digital signature, a private key, a certificate, a Security Assertion Markup Language (SAML), an OASIS industry standard, an X.509 certificate, a Kerberos ticket, an encryption technique, a server authentication, a message integrity check, a client authentication, a third-party verification service, or a public key cryptography.

4. The unified platform system of claim 1, the reputation data is at least one of an evaluation or a portion of feedback associated with at least one of the buyer in the transaction or the seller in the transaction.

5. The unified platform system of claim 1, the portion of non-private transactional data is at least one of a price related to the transaction, a data of purchase for the transaction, a time of purchase of the transaction, or a shipping cost related to the transaction.

6. The unified platform system of claim 5, the portion of reputation data coupled with the portion of non-private transactional data is made accessible to at least one client for a fee in order to assist in reviewing at least one of a potential buyer or a potential merchant.

7. The unified platform system of claim 1, the reputation assessment component implements a timed delay for publication of reputation data to at least one of the buyer or the seller involved in the transaction.

8. The unified platform system of claim 7, the timed delay is a period of time for at least one of the buyer or the merchant to independently generate a portion of feedback.

9. The unified platform system of claim 1, further comprising a payment component that facilitates transferring a portion of funds between the buyer and the merchant.

10. The unified platform system of claim 9, the payment component is at least one of a bank, a bank account, an online account, a saving account, a checking account, an account, a credit card company, a debit card company, a virtual credit card business, a virtual credit card account, a money order service, or an entity that employs a transfer of a portion of funds between parties.

11. The unified platform system of claim 1, further comprising a verify component that verifies a portion of data related to at least one of the transaction, the buyer or the merchant.

12. The unified platform system of claim 1, further comprising a secured transaction application that is leveraged to create a card with at least one of a verifiable claim or a verifiable right about at least one of static information or dynamic information.

13. The unified platform system of claim 12, the dynamic information relates to at least one of reputation, a price of a transaction, a limit on a time an offer is valid, a shipping cost, a shipping address, a term of sale, a feedback, or data related to a transaction between a buyer and a merchant.

14. The unified platform system of claim 12, the card is exchanged on the Internet for participation in a transaction and at least one of the verifiable claim or verifiable right is verified at a secure site run by a verify component.

15. The unified platform system of claim 12, at least one of the verifiable claim or the verifiable right is changed by a user involved with the transaction to allow negotiation.

16. The unified platform system of claim 12, the card is amended by a user at completion of a transaction to include at least one of an evaluation, a reputation assessment, or a portion of feedback.

17. A computer-implemented method that facilitates enhancing an online transaction, comprising:

receiving transactional data associated with a transaction between at least buyer and at least one merchant;

employing a secure transaction technique to protect payment transfer associated with the transaction;

verifying completion of the transaction;

collecting reputation data related to at least one of the buyer or the merchant based at least in part upon the completion of the transaction;

coupling verified transactional data with reputation data to provide context for feedback associated with at least one of the buyer or the merchant; and

publishing the verified transactional data coupled with reputation data to a portion of the Internet.

18. The method of claim 17, further comprising:

employing a card with a secured transaction application;

creating at least one verifiable dynamic claim related to a transaction on the card;

verifying contents of the card;

allowing the exchange of the card based at least in part upon the verification;

changing at least one verifiable dynamic claim during negotiations related to the transaction;

verifying exchange of currency between the buyer and the merchant; and

amending the card with reputation data based at least in part upon the verification of currency exchange.

19. The method of claim 17, further comprising exposing verified transactional data coupled with reputation data to at least one client for a fee in order to assist in reviewing at least one of a potential buyer or a potential merchant.

20. A computer-implemented system that facilitates enhancing an online transaction, comprising:

means for securing a portion of transactional data related to an online transaction between at least one buyer and at least one merchant utilizing a secure transaction technique;

means for receiving a portion of reputation data related to at least one of the buyer or the merchant based at least in part upon verifying completion of the online transaction between such buyer and merchant;

means for tightly coupling the secure transaction technique with the receipt of reputation data within a unified platform; and

means for publishing the portion of reputation data coupled with a portion of non-private transactional data to provide context for the reputation data.