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Rating e-commerce transactions

  • US 7,860,755 B2
  • Filed: 02/19/2008
  • Issued: 12/28/2010
  • Est. Priority Date: 02/19/2008
  • Status: Active Grant
First Claim
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1. A method, comprising the steps of:

  • a) identifying, by at least one server computer, a plurality of data indicating the trustworthiness of a Hosting Provider hosting a Merchant'"'"'s website, said Merchant, and a Customer engaging in an eCommerce transaction via said Merchant'"'"'s website, wherein said Hosting Provider comprises a hosting company that provides website hosting services;

    b) collecting, by at least one of said at least one server computer, said plurality of data;

    c) generating, by at least one of said server computer, a Transaction Trust Rating for said eCommerce transaction, said Transaction Trust Rating being based upon said plurality of data, said plurality of data indicating;

    i) whether said Hosting Provider satisfies the Payment Card Industry Data Security Standard;

    ii) the security of a system operated by said Hosting Provider;

    iii) the reputation of a domain name registered to said Merchant;

    iv) the reputation of a website operated by said Merchant;

    v) whether a website operated by said Merchant is SSL-certified;

    vi) said Customer'"'"'s purchase history;

    vii) whether said Customer is authorized to use a credit card; and

    viii) said Customer'"'"'s eCommerce reputation;

    d) storing, by at least one of said at least one server computer, said Transaction Trust Rating and/or said plurality of data in a Trust Rating Database accessible to a plurality of Internet Users via the Internet;

    e) providing, by at least one of said at least one server computer, a Transaction Trust Rating Indicator to said Hosting Provider, said Merchant, and/or said Customer, said Transaction Trust Rating Indicator indicating the Transaction Trust Rating and comprising a certificate for display on a webpage, a change in color of an address bar on a browser, and/or an alphanumeric ranking; and

    f) approving, by at least one of said at least one server computer, said eCommerce transaction responsive to said Transaction Trust Rating exceeding a pre-determined value.

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