Method and apparatus for providing product survey information in an electronic payment system

• US 6,102,287 A
• Filed: 05/15/1998
• Issued: 08/15/2000
• Est. Priority Date: 05/15/1998
• Status: Expired due to Term

• Current Assignee: eBay Inc.
• Original Assignee: International Business Machines Corporation
• Inventors: Matyas, Stephen M. Jr.
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US09/079,637
• Time in Patent Office: 823 Days
• Field of Search: 705/14, 705/26, 235/380, 235/375, 235/479, 235/382, 235/382.5
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0234 Rebates after completed purchase
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

An electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller is enhanced to provide product survey information. An additional entity, an evaluator, collects product survey information from buyers that have previously purchased products from the seller and provides product survey information to prospective buyers upon request. Various schemes are disclosed for allowing the evaluator to verify that a buyer providing product survey information has actually purchased the product from the seller. In one verification scheme, the buyer generates an authentication code as a one-way function of a randomly generated secret value and includes the authentication code in the payment order. When the buyer later provides survey information to the evaluator, it includes the secret value along with the survey information. The evaluator verifies the purchase transaction by presenting the secret value along with information identifying the transaction to the buyer'"'"'s billing system. The buyer'"'"'s billing system retrieves the authentication code from the transaction information it received from the seller and compares it with the code regenerated from the secret value using the one-way function. The buyer'"'"'s billing system communicates the comparison results to the evaluator, which uses the survey information if it is verified as relating to an actual transaction between the buyer and the seller. In another verification scheme, the evaluator presents only transaction-identifying information to the buyer'"'"'s billing system. In yet another verification scheme, the seller signs the payment order and returns the signed payment order as a proof of purchase to the buyer, which presents the proof of purchase to the evaluator.

Claims

1. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, a method of generating survey information on the product, said method being performed by an evaluator distinct from the buyer and the seller and comprising the steps of:

maintaining product survey information based upon responses from buyers that have purchased products from a seller;

receiving a survey response from an entity purporting to be a buyer of a product from the seller, together with transaction information sufficient to identify an alleged purchase transaction;

determining, using the transaction information, whether the entity in fact purchased the product from the seller; and

incorporating the response into the product survey information only if it is determined that the entity in fact purchased the product from the seller.

2. The method of claim 1, further comprising the step of:

providing product survey information to a prospective buyer upon request from that buyer.

3. The method of claim 2 in which the product survey information is provided to the prospective buyer in encrypted form.

4. The method of claim 1 in which the survey response is accompanied by an integrity value generated from it by the entity purporting to be a buyer, the method including the further step of:

authenticating the survey response using the integrity value.

5. The method of claim 4 in which the integrity value is a message authentication code.

6. The method of claim 4 in which the integrity value is a digital signature.

7. The method of claim 1 in which the survey response is received in encrypted form, the method including the further step of:

decrypting the survey response to regenerate it in clear form.

8. The method of claim 1 in which a buyer generates an authentication code from a secret value and includes the authentication code in the electronic payment order to the seller, the determining step comprising the steps of:

receiving the authentication code included in the electronic payment order to the seller;

receiving the secret value from which the authentication code was generated;

regenerating an authentication code from the received secret value; and

comparing the regenerated authentication code with the received authentication code.

10. The method of claim 1 in which buyers reconcile purchase transactions with the seller through an intermediary entity.

11. The method of claim 10 in which the evaluator determines whether the entity in fact purchased the product from the seller by communicating with the intermediary entity.

18. The method of claim 1 in which the seller provides the buyer with an unforgeable proof of purchase attesting that the buyer purchased a product from the seller, the determining step comprising the steps of:

receiving a proof of purchase from the entity purporting to be a buyer of a product from the seller; and

validating the proof of purchase to determine whether the entity purchased the product from the seller.

9. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, a method of generating survey information on the product, comprising the steps of:

maintaining product survey information based upon responses from buyers that have purchased products from a seller;

receiving a survey response from an entity purporting to be a buyer of a product from the seller, together with an authentication code included in the electronic payment order to the seller and a secret value from which the authentication code was generated;

determining whether the entity in fact purchased the product from the seller by regenerating an authentication code from the received secret value and comparing the regenerated authentication code with the received authentication code; and

incorporating the response into the product survey information only if it is determined that the entity in fact purchased the product from the seller.

40. The method of claim 9 in which the authentication code is generated as a one-way function of the secret value.

12. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller and reconciles purchase transactions with the seller through an intermediary entity, a method of generating survey information on the product, said method being performed by an evaluator distinct from the buyer and seller and comprising the steps of:

maintaining product survey information based upon responses from buyers that have purchased products from a seller;

receiving a survey response from a responding entity purporting to be a buyer of a product from the seller;

determining whether the responding entity in fact purchased the product from the seller by communicating with the intermediary entity; and

incorporating the response into the product survey information only if it is determined that the responding entity in fact purchased the product from the seller.

13. The method of claim 12 in which the evaluator determines whether the entity in fact purchased the product from the seller by:

providing the intermediary entity with transaction information sufficient to identify an alleged purchase transaction;

receiving from the intermediary entity an indication of whether the alleged purchase transaction was actually made.

14. The method of claim 12 in which the transaction information identifies a product allegedly purchased.

15. The method of claim 12 in which the transaction information identifies a date of an alleged purchase.

16. The method of claim 12 in which the transaction information comprises a copy of a payment order.

17. The method of claim 12 in which the transaction information comprises a hash of a payment order.

41. The method of claim 13 in which the transaction information identifies the entity purporting to be a buyer.

19. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, a method of generating survey information on the product, comprising the steps of:

maintaining product survey information based upon responses from buyers that have purchased products from a seller;

receiving a survey response from an entity purporting to be a buyer of a product from the seller, together with an unforgeable proof of purchase attesting that the entity purchased the product from the seller;

validating the proof of purchase to determine whether the entity purchased the product from the seller; and

incorporating the response into the product survey information only if it is determined that the entity in fact purchased the product from the seller.

42. The method of claim 19 in which the proof of purchase contains a digital signature of the seller, the validating step comprising the step of verifying the digital signature.

20. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, apparatus for generating survey information on the product, said apparatus being associated with an evaluator distinct from the buyer and the seller and comprising:

means for maintaining product survey information based upon responses from buyers that have purchased products from a seller;

means for receiving a survey response from an entity purporting to be a buyer of a product from the seller, together with transaction information sufficient to identify an alleged purchase transaction;

means for determining, using the transaction information, whether the entity in fact purchased the product from the seller; and

means for incorporating the response into the product survey information only if it is determined that the entity in fact purchased the product from the seller.

21. The apparatus of claim 20, further comprising:

means for providing product survey information to a prospective buyer upon request from that buyer.

22. The apparatus of claim 20 in which the survey response is accompanied by an integrity value generated from it by the entity purporting to be a buyer, the apparatus further comprising:

means for authenticating the survey response using the integrity value.

23. The apparatus of claim 20 in which a buyer generates an authentication code from a secret value and includes the authentication code in the electronic payment order to the seller, the determining means comprising:

means for receiving the authentication code included in the electronic payment order to the seller;

means for receiving the secret value from which the authentication code was generated;

means for regenerating an authentication code from the received secret value; and

means for comparing the regenerated authentication code with the received authentication code.

24. The apparatus of claim 20 in which the seller provides the buyer with an unforgeable proof of purchase attesting that the buyer purchased a product from the seller, the determining means comprising:

means for receiving a proof of purchase from the entity purporting to be a buyer of a product from the seller; and

means for validating the proof of purchase to determine whether the entity purchased the product from the seller.

25. A program storage device readable by a machine, tangibly embodying a program of instructions executable by the machine to perform method steps for generating product survey information in an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, the method steps being performed by an evaluator distinct from the buyer and the seller and comprising:

maintaining product survey information based upon responses from buyers that have purchased products from a seller;

receiving a survey response from an entity purporting to be a buyer of a product from the seller together with transaction information sufficient to identify an alleged purchase transaction;

determining, using the transaction information, whether the entity in fact purchased the product from the seller; and

incorporating the response into the product survey information only if it is determined that the entity in fact purchased the product from the seller.

26. The program storage device of claim 25, the method steps further comprising:

providing product survey information to a prospective buyer upon request from that buyer.

27. The program storage device of claim 25 in which the survey response is accompanied by an integrity value generated from it by the entity purporting to be a buyer, the method steps further comprising:

authenticating the survey response using the integrity value.

28. The program storage device of claim 25 in which a buyer generates an authentication code from a secret value and includes the authentication code in the electronic payment order to the seller, the determining step comprising:

receiving the authentication code included in the electronic payment order to the seller;

receiving the secret value from which the authentication code was generated;

regenerating an authentication code from the received secret value; and

comparing the regenerated authentication code with the received authentication code.

29. The program storage device of claim 25 in which the seller provides the buyer with an unforgeable proof of purchase attesting that the buyer purchased a product from the seller, the determining step comprising:

receiving a proof of purchase from the entity purporting to be a buyer of a product from the seller; and

validating the proof of purchase to determine whether the entity purchased the product from the seller.

30. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, a method comprising the steps of:

receiving an electronic payment order from a buyer for the purchase of a product from a seller; and

in response to receiving the electronic payment order, providing the buyer with an unforgeable proof of purchase attesting a purchase transaction.

31. The method of claim 30 in which the proof of purchase identifies the buyer.

32. The method of claim 30 in which the proof of purchase identifies the seller.

33. The method of claim 30 in which the proof of purchase identifies the product purchased from the seller.

34. The method of claim 30 in which the unforgeable proof of purchase comprises an integrity value generated on a message attesting a purchase transaction.

35. The method of claim 34 in which the integrity value comprises a digital signature.

36. The method of claim 34 in which the message attesting a purchase transaction comprises the electronic payment order.

37. The method of claim 30 in which the product comprises a service.

38. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, apparatus comprising:

means for receiving an electronic payment order from a buyer for the purchase of a product from a seller; and

means responsive to receiving the electronic payment order for providing the buyer with an unforgeable proof of purchase attesting a purchase transaction.

39. A program storage device readable by a machine, tangibly embodying a program of instructions executable by the machine to perform method steps in an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, the method steps comprising:

receiving an electronic payment order from a buyer for the purchase of a product from a seller; and

in response to receiving the electronic payment order, providing the buyer with an unforgeable proof of purchase attesting a purchase transaction.

43. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, apparatus for generating survey information on the product, comprising:

means for maintaining product survey information based upon responses from buyers that have purchased products from a seller;

means for receiving a survey response from an entity purporting to be a buyer of a product from the seller, together with an authentication code included in the electronic payment order to the seller and a secret value from which the authentication code was generated;

means for determining whether the entity in fact purchased the product -from the seller by regenerating an authentication code from the received secret value and comparing the regenerated authentication code with the received authentication code; and

means for incorporating the response into the product survey information only if it is determined that the entity in fact purchased the product from the seller.

44. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller and reconciles purchase transactions with the seller through an intermediary entity, apparatus for generating survey information on the product, said apparatus being associated with an evaluator distinct from the buyer and seller and comprising:

means for maintaining product survey information based upon responses from buyers that have purchased products from a seller;

means for receiving a survey response from a responding entity purporting to be a buyer of a product from the seller;

means for determining whether the responding entity in fact purchased the product from the seller by communicating with the intermediary entity; and

means for incorporating the response into the product survey information only if it is determined that the responding entity in fact purchased the product from the seller.

45. In an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, apparatus for generating survey information on the product, comprising:

means for maintaining product survey information based upon responses from buyers that have purchased products from a seller;

means for receiving a survey response from an entity purporting to be a buyer of a product from the seller, together with an unforgeable proof of purchase attesting that the entity purchased the product from the seller;

means for validating the proof of purchase to determine whether the entity purchased the product from the seller; and

means for incorporating the response into the product survey information only if it is determined that the entity in fact purchased the product from the seller.

46. A program storage device readable by a machine, tangibly embodying a program of instructions executable by the machine to perform method steps for generating product survey information in an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, the method steps comprising:

maintaining product survey information based upon responses from buyers that have purchased products from a seller;

receiving a survey response from an entity purporting to be a buyer of a product from the seller, together with an authentication code included in the electronic payment order to the seller and a secret value from which the authentication code was generated;

determining whether the entity in fact purchased the product from the seller by regenerating an authentication code from the received secret value and comparing the regenerated authentication code with the received authentication code; and

incorporating the response into thc product survey information only if it is determined that the entity in fact purchased the product from the seller.

47. A program storage device readable by a machine, tangibly embodying a program of instructions executable by the machine to perform method steps for generating product survey information in an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller and reconciles purchase transactions with the seller through an intermediary entity, the method steps being performed by an evaluator distinct from the buyer and seller and comprising:

maintaining product survey information based upon responses from buyers that have purchased products from a seller;

receiving a survey response from a responding entity purporting to be a buyer of a product from the seller;

determining whether the responding entity in fact purchased the product from the seller by communicating with the intermediary entity; and

incorporating the response into the product survey information only if it is determined that the responding entity in fact purchased the product from the seller.

48. A program storage device readable by a machine, tangibly embodying a program of instructions executable by the machine to perform method steps for generating product survey information in an electronic payment system in which a buyer purchases a product by sending an electronic payment order to a seller, the method steps comprising:

maintaining product survey information based upon responses from buyers that have purchased products from a seller;

receiving a survey response from an entity purporting to be a buyer of a product from the seller, together with an unforgeable proof of purchase attesting that the entity purchased the product from the seller;

validating the proof of purchase to determine whether the entity purchased the product from the seller; and

incorporating the response into the product survey information only if it is determined that the entity in fact purchased the product from the seller.