SYSTEMS AND METHODS FOR AUTHENTICATING PAYMENTS OVER A NETWORK

• US 20120158542A1
• Filed: 12/16/2010
• Published: 06/21/2012
• Est. Priority Date: 12/16/2010
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Nahari, Hadi
• Granted Patent: US 10,032,164 B2
• Time in Patent Office: Days
• US Class Current: 705/26.41
• 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 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0209 Incentive being awarded or redeemed in connection with the playing of a video game
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: H04L 63/0884 by delegation of authentication, e.g. a proxy authenticates an entity to be authenticated on behalf of this entity vis-à-vis an authentication entity
• CPC Class Codes: H04L 63/126 the source of the received data
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215

Abstract

A system and method for facilitating electronic commerce over a network, according to one or more embodiments, includes communicating with a user via a user device over the network, distributing a resident application to the user device over the network, displaying a service icon on the user device, and receiving an authentication request from the user via the user device over the network. The service icon is linked to the resident application, and the authentication request includes user credentials inputted by the user via user selection of the service icon and resulting user access of the resident application. The system and method includes communicating with the resident application on the user device to request user confirmation of the authentication request, receiving user confirmation from the user via the user device over the network, authorizing the authentication request, and notifying the user of the authorized authentication request over the network via the resident application.

Claims

1. A method for facilitating financial transactions over a network, the method comprising:

communicating with a user via a user device over the network;

displaying a service icon on the user device, wherein the service icon is linked to a resident application on the user device;

receiving an authentication request from the user via the user device over the network, wherein the authentication request includes user credentials inputted by the user via user selection of the service icon and resulting user access of the resident application;

communicating with the resident application on the user device to request user confirmation of the authentication request;

receiving user confirmation from the user via the user device over the network;

authorizing the authentication request; and

notifying the user of the authorized authentication request over the network via the resident application.

2. The method of claim 1, further comprising communicating with a merchant via a merchant device over the network, wherein the merchant device is adapted to allow the merchant to provide one or more items for purchase over the network, wherein the authentication request comprises a purchase request between the user and the merchant, the purchase request requesting authorization of the user to purchase at least one item from the merchant based on information passed with the purchase request, wherein authorizing the authentication request comprises authorizing the purchase request between the user and the merchant, and wherein notifying the user includes notifying the user and the merchant of the authorized purchase request over the network.

3. The method of claim 2, wherein the user device includes a browser application adapted to allow a user to access the merchant device via the network and view the one or more items for purchase.

4. The method of claim 1, wherein the resident application comprises a payment mechanism that allows the user to generate the purchase request for the at least one item by selecting the at least one item from the merchant device.

5. The method of claim 1, wherein the service icon is displayed in a system tray of the user device, and wherein selection of the service icon allows the user to input user credentials into a browser application of the user device.

6. The method of claim 1, wherein the resident application comprises a trusted entity for verifying the identity of the user and authorizing authentication requests on behalf of the user.

7. The method of claim 1, wherein user credentials includes one or more of user name, password, and payment amount.

8. The method of claim 1, wherein communicating with the resident application on the user device occurs after receiving the user credentials from the user via the user device over the network.

9. The method of claim 1, wherein requesting user confirmation of the authentication request comprises displaying a pop-up notification window to the user via the user device from the service icon displayed by the user device, and wherein the resident application is adapted to cause display of the pop-up notification window from the service icon.

10. The method of claim 9, wherein the user confirms the authentication request from the pop-up notification window, and wherein user confirmation is sent over the network.

11. The method of claim 1, wherein the resident application is adapted to communicate with the user via a browser application, and wherein the user is notified of the authorized authentication request over the network via the resident application communicating with the browser application.

12. The method of claim 1, further comprising storing information in an account related to the user, wherein the user account includes information related to the user including information related to the user credentials, authentication requests, and authorized authentication requests.

13. The method of claim 1, wherein the user device comprises a mobile communication device.

14. A system for facilitating financial transactions over a network, the system comprising:

a communication component for communicating with a user via a user device over the network;

a processing component for;

displaying a service icon on the user device, wherein the service icon is linked to a resident application on the user device;

receiving an authentication request from the user via the user device over the network, wherein the authentication request includes user credentials inputted by the user via user selection of the service icon and resulting user access of the resident application;

interfacing with the resident application on the user device to request user confirmation of the authentication request;

receiving user confirmation from the user via the user device over the network;

authorizing the authentication request; and

notifying the user of the authorized authentication request over the network via the resident application.

15. The system of claim 14, further comprising the communication component communicating with a merchant via a merchant device over the network, wherein the merchant device is adapted to allow the merchant to provide one or more items for purchase over the network, wherein the authentication request comprises a purchase request between the user and the merchant, the purchase request requesting authorization of the user to purchase at least one item from the merchant based on information passed with the purchase request, wherein authorizing the authentication request comprises authorizing the purchase request between the user and the merchant, wherein notifying the user includes notifying the user and the merchant of the authorized purchase request over the network, and wherein the user device includes a browser application adapted to allow a user to access the merchant device via the network and view the one or more items for purchase.

16. The system of claim 14, wherein the resident application comprises a payment mechanism that allows the user to generate the purchase request for the at least one item by selecting the at least one item from the merchant device, and wherein the service icon is displayed in a system tray of the user device, and wherein selection of the service icon allows the user to input user credentials into a browser application of the user device.

17. The system of claim 14, wherein the resident application comprises a trusted entity for verifying the identity of the user and authorizing authentication requests on behalf of the user, and wherein user credentials includes one or more of user name, password, and payment amount.

18. The system of claim 14, wherein requesting user confirmation of the authentication request comprises displaying a pop-up notification window to the user via the user device from the service icon displayed by the user device, wherein the resident application is adapted to cause display of the pop-up notification window from the service icon, and wherein the user confirms the authentication request from the pop-up notification window, and wherein user confirmation is sent over the network.

19. The system of claim 14, wherein the resident application is adapted to communicate with the user via a browser application, and wherein the user is notified of the authorized authentication request over the network via the resident application communicating with the browser application.

20. The system of claim 14, further comprising a storage component for storing information in an account related to the user, wherein the user account includes information related to the user including information related to the user credentials, authentication requests, and authorized authentication requests.

21. The system of claim 14, wherein the system comprises a network server, and wherein the user device comprises a mobile communication device.

22. A computer readable medium on which are stored computer readable instructions and when executed causes a processor to:

communicate with a user via a user device over the network;

display a service icon on the user device, wherein the service icon is linked to a resident application on the user device;

receive an authentication request from the user via the user device over the network, wherein the authentication request includes user credentials inputted by the user via user selection of the service icon and resulting user access of the resident application;

communicate with the resident application on the user device to request user confirmation of the authentication request;

receive user confirmation from the user via the user device over the network;

authorize the authentication request; and

notify the user of the authorized authentication request over the network via the resident application.