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AssigneeMicrosoft Corporation
InventorsBruce E. 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.
At a first computing device in a distributed network environment, a method of authenticating the first computing device to a second computing device using a mobile module of a third computing device which is connected to the first computing device, the method, which is performed by the first computing device, comprising:
One or more computer storage device having stored computer-executable instructions which when executed by a processor perform a method at a first computing device in a distributed network environment, for authenticating the first computing device to a second computing device using a mobile module of a third computing device which is connected to the first computing device, wherein the method includes:
A computing system comprising:
Dependencies are inferred from the claim text.