Authentication data-enabled transfers

• US 8,738,517 B2
• Filed: 12/29/2006
• Issued: 05/27/2014
• Est. Priority Date: 12/29/2006
• Status: Active Grant

• Current Assignee: eBay Inc.
• Original Assignee: eBay Inc.
• Inventors: Bedier, Osama Mostafa, Tanaka, Ray Hideki, Pham, Henry H., Lee, Aaron M., Janney, J. Paul, Zada, Nida K.
• Primary Examiner(s): Kazimi, Hani M
• Assistant Examiner(s): Ali, Hatem M
• Application Number:
  US11/618,700
• Publication Number:
  US 20080162366A1
• Time in Patent Office: 2,706 Days
• Field of Search: 705/39
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Some embodiments may provide a method comprising receiving an identification of an entity from a network-based commerce system and receiving authentication data associated with the entity from the network-based commerce system, a combination including the authentication data and the identification being operable to facilitate a transfer of value affecting a first account associated with the entity, the transfer of value further affecting a second account associated with the network-based commerce system, the authentication data and the identification of the entity being insufficient for the network-based commerce system to identify the first account.

Claims

1. A system comprising:

a computer in a network-based payment system;

a transaction module of the computer communicatively coupled to a network interface of the computer,

the transaction module being configured to communicate transaction information with a network-based commerce system; and

a transfer request receipt module of the computer communicatively coupled to the transaction module,

the transfer request receipt module being configured to receive, from the network-based commerce system, an identification of an entity and authentication data associated with the entity,

the authentication data and the identification being usable by the network-based payment system to facilitate a transfer of value affecting a first account associated with the entity,

the transfer of value further affecting a second account associated with the network-based commerce system,

a combination of the authentication data and the identification including data identifying the first account, the data being-unrecognizable by the network-based commerce system to identify the first account,

the authentication data being associated with transfer limiting data selected for association with the authentication data, the transfer limiting data establishing a constraint on a type of the transfer of value.

2. The system as set forth in claim 1, wherein the transfer request receipt module is to receive transaction details associated with the transfer of value.

3. The system as set forth in claim 1, wherein the authentication data includes a personal identification number (PIN).

4. The system as set forth in claim 1, wherein the transfer limiting data includes at least one of a group consisting of merchant limitation data, country data, transaction context data, communication mode data, a maximum value for the transfer of value, a maximum aggregate value for at least one transfer of value occurring during a period of time, a maximum aggregate value for at least one transfer of value occurring during a day, a maximum aggregate value for at least one transfer of value occurring during a week, a maximum aggregate value for at least one transfer of value occurring during a month, and a maximum aggregate value for at least one transfer of value occurring during a year.

5. The system as set forth in claim 1, wherein the transfer of value includes a payment benefiting the network-based commerce system.

6. The system as set forth in claim 1, wherein the transaction information is associated with the transfer of value.

7. The system as set forth in claim 1, the system further comprising:

a communication module at the network-based commerce system, the communication module to accept the authentication data and the identification; and

a transfer request module at the network-based commerce system communicatively coupled to the communication module, the transfer request module to communicate the authentication data and identification to the network-based payment system.

8. The system as set forth in claim 7, wherein the transfer request module is to communicate transaction details associated with the transfer of value to the network-based payment system.

9. A method comprising:

receiving, at a network interface of a network-based payment computer in a network-based payment system, an identification of an entity from a network-based commerce system; and

receiving, at the network interface of the network-based payment computer, authentication data associated with the entity from the network-based commerce system,

the authentication data and the identification being usable by the network-based payment system to facilitate a transfer of value affecting a first account associated with the entity,

the transfer of value further affecting a second account associated with the network-based commerce system,

a combination of the authentication data and the identification including data identifying the first account, the data being-unrecognizable by the network-based commerce system to identify the first account,

the authentication data being associated with transfer limiting data selected for association with the authentication data, the transfer limiting data establishing a constraint on a type of the transfer of value; and

performing the transfer of value using the network-based payment computer.

10. The method as set forth in claim 9, the method further comprising:

receiving, from the network-based commerce system, transaction details associated with the transfer of value.

11. The method as set forth in claim 10, wherein the transaction details include an amount for the transfer of value.

12. The method as set forth in claim 9, wherein the authentication data is associated with a customer.

13. The method as set forth in claim 9, wherein the authentication data includes a personal identification number (PIN).

14. The method as set forth in claim 9, wherein the authentication data includes a password.

15. The method as set forth in claim 9, wherein the authentication data includes biometric data.

16. The method as set forth in claim 9, wherein the authentication data has is not been operable to facilitate the transfer of value prior to acceptance.

17. The method as set forth in claim 9, wherein the transfer limiting data includes at least one of a group consisting of merchant limitation data, country data, transaction context data, communication mode data, a maximum value for the transfer of value, a maximum aggregate value for at least one transfer of value occurring during a period of time, a maximum aggregate value for at least one transfer of value occurring during a day, a maximum aggregate value for at least one transfer of value occurring during a week, a maximum aggregate value for at least one transfer of value occurring during a month, and a maximum aggregate value for at least one transfer of value occurring during a year.

18. The method as set forth in claim 9, wherein the authentication data includes the identification of the entity.

19. The method as set forth in claim 9, wherein the authentication data does not include the identification of the entity.

20. The method as set forth in claim 9, wherein the identification of the entity is associated with a customer.

21. The method as set forth in claim 9, wherein the identification of the entity is an email address.

22. The method as set forth in claim 9, wherein the identification of the entity is a telephone number.

23. The method as set forth in claim 9, wherein the identification of the entity is an internet telephony user identifier.

24. The method as set forth in claim 9, wherein the identification of the entity is a name.

25. The method as set forth in claim 9, wherein the transfer of value includes a payment benefiting the network-based commerce system.

26. The method as set forth in claim 9, the method further comprising:

communicating transaction information to the network-based commerce system, the transaction information being associated with the transfer of value.

27. The method as set forth in claim 26, wherein the transaction information includes at least one of a group consisting of a transaction result, a source of the transfer of value, a balance available for transfer from a source of the transfer of value, and an address.

28. The method as set forth in claim 9, said method further comprising:

accepting the authentication data and the identification of the entity from a requestor of the transfer of value; and

communicating the authentication data and the identification of the entity to a network-based payment system.

29. The method as set forth in claim 28, further comprising communicating transaction details associated with the transfer of value to the network-based payment system.

30. A tangible machine-readable medium comprising a plurality of instruction sets, the plurality of instruction sets comprising:

a first instruction set to cause a machine to receive, from a network-based commerce system, an identification of an entity; and

a second instruction set to cause the machine to receive, from a network-based commerce system, authentication data associated with the entity,

the authentication data and the identification being usable by the machine to facilitate a transfer of value affecting a first account associated with the entity,

the transfer of value further affecting a second account associated with the network-based commerce system,

a combination of the authentication data and the identification including data identifying the first account, the data being-unrecognizable by the network-based commerce system to identify the first account,

the authentication data being associated with transfer limiting data selected for association with the authentication data, the transfer limiting data establishing a constraint on a type of the transfer of value.

31. The tangible machine-readable medium of claim 30, wherein the plurality of instruction sets further comprises a third instruction set to cause the machine to receive, from the network-based payment system, transaction details associated with the transfer of value.

32. A system comprising:

a computer in a network-based payment system;

means for receiving in said computer, from a network-based commerce system, an identification of an entity and authentication data associated with the entity,

the authentication data and the identification being usable by the network-based payment system to facilitate a transfer of value affecting a first account associated with the entity, the transfer of value further affecting a second account associated with the network-based commerce system,

a combination of the authentication data and the identification including data identifying the first account, the data being-unrecognizable by the network-based commerce system to identify the first account,

the authentication data being associated with transfer limiting data selected for association with the authentication data, the transfer limiting data establishing a constraint on a type of the transfer of value; and

means for performing the transfer of value.

33. The system as set forth in claim 32, said system further comprising:

means for accepting the authentication data and the identification of the entity from a requestor of the transfer of value; and

means for communicating the authentication data and the identification of the entity to a network-based payment system.