Systems, methods and devices for trusted transactions

• US 20130198037A1
• Filed: 03/14/2013
• Published: 08/01/2013
• Est. Priority Date: 12/07/1999
• Status: Abandoned Application

• Current Assignee: Wistaria Trading Inc.
• Original Assignee: Blue Spike, Inc.
• Inventors: Moskowitz, Scott A.
• Application Number:
  US13/826,858
• Publication Number:
  US 20130198037A1
• Time in Patent Office: Days
• US Class Current: 705/26.35
• CPC Class Codes: G06F 1/266 Arrangements to supply power to external peripherals either directly from the computer or under computer control, e.g. supply of power through the communication port, computer controlled power-strips
• CPC Class Codes: G06F 21/1014 to tokens
• CPC Class Codes: G06F 21/12 Protecting executable software
• CPC Class Codes: G06F 21/16 Program or content traceability, e.g. by watermarking
• CPC Class Codes: G06F 7/582 Pseudo-random number generators
• CPC Class Codes: G06F 7/588 Random number generators, i.e. based on natural stochastic processes
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: H04L 2209/42 Anonymization, e.g. involving pseudonyms
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/603 Digital right managament [DRM]
• CPC Class Codes: H04L 2209/608 Watermarking
• CPC Class Codes: H04L 2463/101 : applying security measures for digital rights management data processing systems or methods, specially adapted for commerce, e.g. marketing, shopping, billing, auctions or e-commerce G06Q30/00
• CPC Class Codes: H04L 2463/102 : applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/08 : for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/12 : Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32
• CPC Class Codes: H04L 9/0618 : Block ciphers, i.e. encrypting groups of characters of a plain text message using fixed encryption transformation
• CPC Class Codes: H04L 9/0643 : Hash functions, e.g. MD5, SHA, HMAC or f9 MAC
• CPC Class Codes: H04L 9/14 : using a plurality of keys or algorithms
• CPC Class Codes: H04L 9/30 : Public key, i.e. encryption algorithm being computationally infeasible to invert or user's encryption keys not requiring secrecy
• CPC Class Codes: H04L 9/3228 : One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
• CPC Class Codes: H04L 9/3231 : Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861
• CPC Class Codes: H04L 9/3247 : involving digital signatures
• CPC Class Codes: H04L 9/3297 : involving time stamps, e.g. generation of time stamps

Abstract

The invention discloses a system for enhancing trust in transactions, most particularly in remote transactions between a plurality of transactional parties, for instance a seller and buyer(s) of goods and/or services over a public computer network such as the internet. Trust is disclosed to be a multivalent commodity, in that the trust that is to be enhanced relates to information about the subject matter of the transactions (e.g., the suitability of the goods and services sold), the bona fides of the supplier of the goods and services, the appropriateness of a pricing structure for a particular transaction or series of transactions, a quantum of additional transactional value that may be imparted to the transactional relationship, security of information exchange, etc.

Claims

1-19. -19. (canceled)

20. A method for conducting a trusted transaction between two of a plurality of parties who have reached an agreement to transact, comprising:

establishing a secure transmission channel between the two parties;

approving an identity of at least one of the two parties;

determining an amount of value-added information to be exchanged between the parties, the value-added information comprising a plurality of value-adding components;

verifying the agreement to transact; and

transmitting the value-added information.

21. The method of claim 20, wherein the step of approving an identity of at least one of the two parties comprises:

at least one of the parties verifying at least one value-adding component.

22. The method of claim 20, wherein the step of approving an identity of at least one of the two parties comprises:

at least one of the parties authorizing at least one value-adding component.

23. The method of claim 20, wherein the step of approving an identity of at least one of the two parties comprises:

at least one of the parties authenticating at least one value-adding component.

24. The method of claim 20, wherein the step of establishing a secure transmission channel between two of a plurality of parties comprises:

exchanging data between the two parties;

selecting a pre-determined key to exchange over the secure transmission channel; and

securing the transmission channel by at least one of a password, a pass phrase entry, a query to a user, and real-time biometric data transfer.

25. The method of claim 20, wherein the step of approving an identity of at least one of the two parties comprises:

exchanging a value-adding component for each party to the other party.

26. The method of claim 20, wherein the step of approving an identity of at least one of the two parties comprises:

at least one of the parties independently verifying a value-adding component of the other party.

27. The method of claim 20, wherein a bandwidth of the primary value added information comprises a description including at least one of a bandwidth requirement for transmission, a bandwidth requirement for storage, and a bandwidth requirement for playback.

28. The method of claim 20, wherein at least one term for the exchange of primary value-added information is negotiated between parties, the terms selected from the group consisting of an offer, an acceptance, and consideration.

29. The method of claim 28, wherein the at least one term changes in real time.

30. The method of claim 28, wherein access to the at least one term is restricted by at least one of a pass phrase, a password, a correct answer to a query, a real time authentication with a biometric, a real time authentication with personal entropy information, real time telemetry data, and access to additional transaction records.

31. The method of claim 28, wherein the at least one term is referenced by a subsequent transaction.

32. The method of claim 28, wherein the at least one term is access restricted by a provider of at least one value-adding component.

33. The method of claim 28, wherein the at least one term is traced by a provider of at least one value-adding component.

34. The method of claim 28, wherein the at least one term is authenticated by a provider of at least one value-adding component.

35. The method of claim 28, wherein the at least one term is accessed for at least one of verification, authentication, and authorization.

36. The method of claim 28, wherein the at least one term comprises at least one of readable text, visible color, voice command, and visual instructions.

37. The method of claim 28, wherein the at least one term comprises humanly perceptible information.

38. The method of claim 20, wherein the value-added information is convertible into a tangible good.

39. The method of claim 20, further comprising verifying the value added information.

40. The method of claim 20, further comprising authenticating the value added information.

41. The method of claim 20, wherein the value-adding components comprise at least one of an equity purchase right, an option, a warrant, and a security instrument.

42. The method of claim 20, wherein the value-adding components comprise a non-cash service.

43. A method for conducting at least one trusted transaction between at least two parties, comprising:

authenticating the at least two parties;

agreeing to a security of a transmission channel;

exchanging secondary value-added information;

determining at least one term for a primary value-added information exchange; and

facilitating payment for the transaction based on the terms.

44. The method of claim 43, wherein the step of facilitating payment for the transaction is accomplished in real-time.

45. The method of claim 44, wherein the at least one term includes micropayment systems.

46. The method of claim 43, wherein the transaction is governed by at least one of legal restrictions that apply to at least one of the parties, a timing of the transaction, a geographic location of the transaction, and value-added information.

47. The method of claim 43, wherein the value-added information is represented physically.

48. The method of claim 43, wherein the secondary value-added information comprises at least one of an equity option and at least one term from a previous trusted transaction.

49. The method of claim 43, wherein the secondary value-added information derives benefit from a previous trusted transaction.

50. The method of claim 49, wherein the at least two trusted transactions are substantially contiguous.

51. The method of claim 49, wherein the at least two trusted transactions have at least one of a time or an event limitation.

52. The method of claim 43, further comprising the step of:

agreeing to at least one term for a different transaction.

53. The method of claim 43, wherein the first trusted transaction enables manipulation of information in a subsequent transaction.

54-67. -67. (canceled)

68. A method for bi-directionally exchanging value-added information between at least two parties, comprising:

associating a plurality of unique identifiers with the value-added information, the value-added information including at least one of a digital watermark, a file header, a file attachment, and a file wrapper;

associating each of the at least two parties with unique identifiers, the unique identifiers including at least one of a digital watermark, a file header, a file attachment, and a file wrapper; and

exchanging value-added information between the at least two parties.

69. The method of claim 68, wherein the transaction and the unique identifiers are stored for subsequent reference.

70. The method of claim 68, wherein unique identifiers are access restricted by at least one pre-determined rule.

71. The method of claim 68, wherein the unique identifiers are asymmetrically access restricted.

72. The method of claim 70, wherein the access restriction is dependent on verification of a querying party.

73. The method of claim 70, wherein the access restriction allows value added information to be transmitted in an altered format.

74. The method of claim 68, further comprising the step of:

associating the bi-directional exchange of value-added information with a subsequent exchange of additional value-added information.

75. The method of claim 74, wherein the additional value-added information is governed by at least one separate term.

76. The method of claim 74, wherein the additional value-added information comprises a right to purchase equity in at least one of the parties to the transaction.

77. The method of claim 68, further comprising the step of agreeing to at least one term for a subsequent transaction.

78-186. -186. (canceled)

187. A certification authority, comprising a computer system including a CPU and a memory storing a database, said database storing certification information;

said certification authority designed to respond to communications received via the Internet;

said certification authority designed to receive, from an Internet network address, in association with one another, a watermark and a public key, make an authenticity determination based there upon; and

transmit a response to said Internet network address resulting from said authenticity determination.