ANONYMOUS PAYMENT BROKERING

• US 20140058945A1
• Filed: 08/22/2012
• Published: 02/27/2014
• Est. Priority Date: 08/22/2012
• Status: Abandoned Application

• Current Assignee: McAfee, LLC
• Original Assignee: McAfee, Inc. (McAfee, LLC)
• Inventors: Stecher, Martin
• Application Number:
  US13/591,567
• Publication Number:
  US 20140058945A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/401 Transaction verification

Abstract

A payment brokering request is received from a first entity corresponding to a particular payment requested of an anonymous user, the payment brokering request including banking information of the first entity. A payment partner is identified that is associated with the anonymous user and it is communicated, to the payment partner, that the particular payment from the anonymous user has been requested. Confirmation data is received from the payment partner confirming that the particular payment was authorized by the anonymous user and that the payment partner will transfer funds to the broker banking system. In some instances, the payment request is forwarded by the privacy broker from the first entity, the payment request including a user identifier paired to the anonymous user and the first entity. The user can be identified, for instance, by the payment partner, from the user identifier.

Claims

1. A method comprising:

receiving a payment brokering request from a first entity corresponding to a particular payment requested of an anonymous user, wherein the payment brokering request includes banking information of the first entity;

identifying a payment partner associated with the anonymous user;

communicating to the payment partner that the particular payment from the anonymous user has been requested; and

receiving confirmation data from the payment partner confirming that the particular payment was authorized by the anonymous user and that the payment partner will transfer funds to the broker banking system.

2. The method of claim 1, further comprising:

communicating the banking information of the first entity to a broker banking system; and

receiving confirmation from the broker banking system that the particular payment was forwarded through the broker banking system from the payment provider to the first entity.

3. The method of claim 1, wherein the identity of the anonymous user is unknown to the first entity and a privacy broker that receives the payment brokering request.

4. The method of claim 3, wherein the identity of the anonymous user is known to the payment partner.

5. The method of claim 1, wherein the payment brokering request identifies a unique, persistent user identifier, the user identifier unique, within a system, to a pairing of the anonymous user with the first entity.

6. The method of claim 5, wherein the payment partner uses the user identifier to identify that a particular user is the anonymous user.

7. The method of claim 5, wherein the user identifier is generated jointly by a privacy broker and an identity provider, wherein the identity provider stores user data for a plurality of users including the anonymous user.

8. The method of claim 7, wherein the payment provider is the identity provider.

9. The method of claim 7, wherein the user identifier is generated from a first input from the privacy broker and a second input from the identity provider, wherein the first input value is unknown to the identity provider and the second input value is unknown to the privacy broker.

10. The method of claim 9, wherein the first input value includes identification of the first entity and the second input value includes identification of the first user.

11. The method of claim 1, wherein the payment brokering request includes amount of the payment.

12. A method comprising:

receiving a payment request forwarded by a privacy broker from a first anonymous entity, the payment request requesting payment by a particular user to the first entity and including a user identifier paired to the particular user and the first anonymous entity;

identifying the particular user from the user identifier;

communicating the payment request to the particular user;

receiving authorization for payment of the payment request from the particular user;

communicating confirmation of the authorization of the payment to the privacy broker; and

causing the payment to be transferred to a brokering financial institution associated with the privacy broker, wherein the transfer identifies the user identifier and the brokering financial institution forwards the particular payment to a financial institution associated with the first anonymous entity.

13. The method of claim 12, further comprising authenticating the particular user.

14. The method of claim 12, cooperating with the privacy broker to generate the user identifier.

15. The method of claim 12, wherein identity of the first anonymous entity is known to the privacy broker.

16. The method of claim 15, wherein the user identifier is unique, within a system, to a pairing of the particular user with the anonymous entity.

17. The method of claim 12, wherein information identifying the particular user is withheld in the transfer of the payment to the brokering financial institution.

18. Logic encoded in non-transitory media that includes code for execution and when executed by a processor is operable to perform operations comprising:

receiving a payment brokering request from a first entity corresponding to a particular payment requested of an anonymous user, wherein the payment brokering request includes banking information of the first entity;

identifying a payment partner associated with the anonymous user;

communicating to the payment partner that the particular payment from the anonymous user has been requested; and

receiving confirmation data from the payment partner confirming that the particular payment was authorized by the anonymous user and that the payment partner will transfer funds to the broker banking system.

19. Logic encoded in non-transitory media that includes code for execution and when executed by a processor is operable to perform operations comprising:

receiving a payment request forwarded by a privacy broker from a first anonymous entity, the payment request requesting payment by a particular user to the first entity and including a user identifier paired to the particular user and the first anonymous entity;

identifying the particular user from the user identifier;

communicating the payment request to the particular user;

receiving authorization for payment of the payment request from the particular user;

communicating confirmation of the authorization of the payment to the privacy broker; and

causing the payment to be transferred to a brokering financial institution associated with the privacy broker, wherein the transfer identifies the user identifier and the brokering financial institution forwards the particular payment to a financial institution associated with the first anonymous entity.

20. A system comprising:

at least one processor device;

at least one memory element; and

a privacy broker, adapted when executed by the at least one processor device to;

receive a payment brokering request from a first entity corresponding to a particular payment requested of an anonymous user, wherein the payment brokering request includes banking information of the first entity;

identify a payment partner associated with the anonymous user;

communicate to the payment partner that the particular payment from the anonymous user has been requested;

receive confirmation data from the payment partner confirming that the particular payment was authorized by the anonymous user and that the payment partner will transfer funds to the broker banking system;

communicate the banking information of the first entity to a broker banking system, wherein the broker banking system forwards the payment to the first entity according to the communicated banking information.

21. The system of claim 20, the privacy broker further adapted to generate a unique persistent user identifier for the anonymous user, the user identifier unique, within a system, to a pairing of the anonymous user with the first entity, wherein the user identifier is communicated to the payment partner.

22. The system of claim 20, further comprising the payment partner, the payment partner adapted to:

identify that a particular user is the anonymous user from the user identifier;

communicating the payment request to the particular user;

receiving authorization for payment of the payment request from the particular user, wherein the confirmation data is generated based on the authorization and masks the identity of the particular user.

23. The system of claim 22, wherein the payment partner is further adapted to cooperate with the privacy broker to generate the user identifier.