Authentication for a commercial transaction using a mobile module
AssigneeMicrosoft Corporation
InventorsBruce Johnson, Chung Webster-Lam
Life of this patent
Estimating the term…
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AssigneeMicrosoft Corporation
InventorsBruce Johnson, Chung Webster-Lam
Estimating the term…
Current embodiments provide for authorization and payment of an online commercial transaction between a purchaser and a merchant including verification of an identity of the purchaser and verification of an ability of the purchaser to pay for the transaction, where the identity provider and the payment provider are often different network entities. Other embodiments also provide for protocols, computing systems, and other mechanisms that allow for identity and payment authentication using a mobile module, which establishes single or multilevel security over an untrusted network (e.g., the Internet). Still other embodiments also provide for a three-way secure communication between a merchant, consumer, and payment provider such that sensitive account information is opaque to the merchant, yet the merchant is sufficiently confident of the consumer's ability to pay for requested purchases. In yet another embodiment, electronic billing information is used for authorization, auditing, payment federation, and other purposes.
-24. (canceled)
At a computing device in a distributed network environment, a method of authenticating a mobile module of portable device as being tied to a billing account of a mobile infrastructure in order to allow a user access to services, goods, or both, by validating the mobile module over a network independent of the mobile infrastructure's radio network, the method comprising:
-29. (canceled)
The method of claim 29, wherein the independent network includes the Internet.
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In a distributed system, a computing framework used to abstract a host computer from a mobile operator system when connecting a mobile module thereto in order to label the host computer as peripheral equipment rather than a mobile terminal subject to strict requirements of the mobile operator system, the computing framework comprising:
-90. (canceled)
In a computing system tied to a distributed network, a method of establishing transport level secure communications between a client and a server over an otherwise insecure network by establishing a secure tunneling between a mobile module connected to the client and a mobile infrastructure associated therewith in order to delegate session keys to at least a software stack on the client for one or more of encryption or signing purposes, the method comprising:
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-105. (canceled)
-113. (canceled)
At a host computer in a distributed computing system, a method of establishing secure communication between the host computer and a server by using a protocol that authenticates a subscriber identity module (SIM) to a mobile infrastructure over a network connection independent from a radio network associated therewith, the method comprising:
-120. (canceled)
-190. (canceled)
Dependencies are inferred from the claim text.