Secure, anonymous authentication for electronic purchasing...

Details Secure, anonymous authentication for electronic purchasing... Secure, anonymous authentication for electronic purchasing...

Filed on

2003-10-02

Date issued

2010-11-30

Examiner

Refai, Ramsey (Department: 3627)

Patent Class

Data processing: financial, business practice, management, or co

SubClass

Business processing using cryptography

SubSubClass

Secure transaction

Other Related Categories

C705S077000, C705S064000

Type

Reexamination Certificate

Status

active

Patent number

07844551

Description

ABSTRACT:
Micro-payments for electronic sales transactions are securely and anonymously enabled by a central payment agent maintaining declining balance accounts for users and separately authenticating and authorizing customer and vendor transaction requests and payment upon confirmation of delivery. No personal billing information for the customer need be provided to the vendor, maintaining anonymity of the vendor. The vendor may electively set a pricing and terms policy allowing the price of the goods or services to dynamically vary across a series of transactions or transaction portions based on events such as quantity, bandwidth, or aggregate amount paid. A transaction may involve goods or services from multiple vendors in an apparent single transaction, with payment resolved among all participating vendors.

REFERENCES:
patent: 6931382 (2005-08-01), Laage et al.
patent: 6938019 (2005-08-01), Uzo
patent: 7110987 (2006-09-01), Engelhart
patent: 7136841 (2006-11-01), Cook
patent: 7146342 (2006-12-01), Angelin et al.
patent: 2002/0111907 (2002-08-01), Ling

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