System and method for confirming electronic transactions
AssigneeInternational Business Machines Corporation
InventorStephane H. Maes
Life of this patent
Estimating the term…
Abstract
Systems and methods for providing user-confirmation of an electronic transaction and in particular, protocols for enabling electronic signatures and confirmation of electronic documents and transactions such as electronic financial transactions and credit card payment. In one aspect, a method for confirming an electronic transaction, comprises the steps of: performing an electronic transaction between a first party and a second party; sending, by the second party, a request for confirmation of the electronic transaction to a predetermined, private mailbox associated with the first party; accessing the private mailbox by the first party; and sending, by the first party, a reply message to the request for confirmation to thereby confirm authorization of the electronic transaction.
Claims33
A method for confirming an electronic transaction, comprising the steps of:
- performing an electronic transaction between a first party and a second party;
- sending, by the second party, a request for confirmation of the electronic transaction to a predetermined, private mailbox associated with the first party;
- accessing the private mailbox by the first party;
- and
- sending, by the first party, a reply message to the request for confirmation to thereby confirm authorization of the electronic transaction.
A method for confirming an electronic transaction, comprising the steps of:
- performing an electronic transaction between a first party and a second party;
- providing, by the first party to the second party, contact information of a third party service provider associated with the first party;
- providing, by the second party to the third-party service provider, a request for confirmation of the electronic transaction;
- sending, by the third party service provider, the request for confirmation of the electronic transaction to a predetermined, private mailbox associated with the first party;
- accessing the private mailbox by the first party;
- and
- sending, by the first party to the third-party service provider, a reply message to the request for confirmation to thereby confirm authorization of the electronic transaction.
A method for confirming an electronic transaction, comprising the steps of:
- performing an electronic transaction between a first party and a second party;
- and
- sending, by the second party, a confirmation message of the electronic transaction to a predetermined, private mailbox associated with the first party;
- wherein the electronic confirmation is deemed confirmed if a reply message denying the transaction is not sent by the first party within a predetermined period of time.
A method for confirming an electronic transaction, comprising the steps of:
- performing an electronic transaction between a first party and a second party, wherein the electronic transaction requires signing a document;
- performing a secure functions computation of an electronic copy of the document and storing the results of the computation;
- sending, by the second party, an electronic copy of the document and information to perform the secure functions computation to a predetermined, private mailbox associated with the first party;
- accessing the private mailbox by the first party and performing the secure functions computation of the electronic document;
- sending, by the first party, results of the secure functions computation to the second party;
- and
- confirming, by the second party, the electronic transaction if the returned results match the stored results.
Dependencies are inferred from the claim text.