Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Patent
1996-04-03
1998-09-29
Asta, Frank J.
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
705 26, H01J 1300
Patent
active
058156658
ABSTRACT:
An Online Brokering Service provides user authentication and billing services to allow users to anonymously and securely purchase online services from Service Providers (SP) sites (e.g., World Wide Web sites) over a distributed public network, which may be an untrusted public network such as the Internet. Users and SP sites initially register with the Brokering Service, and are provided with respective client and server software components for using the Brokering Service. In one embodiment, when a user initially connects to an SP site, the SP site transmits a challenge message over the public network to the user computer, and the user computer generates and returns and cryptographic response message (preferably generated using a password of the user). The SP site then passes the response message to the Brokering Service, which in-turn looks up the user's password and authenticates the response message. If the response message is authentic, the Online Brokering Service transmits an anonymous ID to the SP site, which can be used for subsequently billing the user. In addition, the Online Brokering Service transmits user-specific access rights data to the SP site, allowing the SP site to customize its services for the particular user. Billing events generated by the SP sites are transmitted to the Brokering Service, which maintains a user-viewable bill that shows all charges from all SP sites accessed by the user. Advantageously, the payment information (e.g., credit card number) and other personal information of users are not exposed to the SP sites, and are not transmitted over the distributed network.
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Balaz Rudolph
Chao Lucy
Contorer Aaron M.
Koneru Sudheer
Mangione Gordon
Asta Frank J.
Microsoft Corporation
Patru Daniel
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