Systems and methods for facilitating electronic transactions and deterring fraud
OwnerMichael Sasha Johninventor
Life of this patent
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Abstract
Systems and methods are described for providing fraud deterrents during e-commerce, e-transactions, and digital rights management and access. One or more fraud deterrents may be automatically selected by a client, seller, bank, or other 3rd party and may be implemented or presented to the client as a potential fraud deterrent option that may be chosen. Fraud deterrent options may be provided which are associated with particular aspects of the transaction including a client's profile, the value of an item, or the preferences of the seller. The fraud deterrent features can be provided as part of a digital shopping cart and may be highly customized by the client including allowing the client to customize conceptual passwords which are presented during subsequent transactions.
Claims21
A digital system for performing an electronic transaction comprising:
- a graphical interface configured for allowing a client to conduct a electronic transaction wherein the interface is further configured to ask the client whether fraud deterrent software may be operated on the client computer as part of the transaction;
- and,
- a server configured to allow said electronic transaction, to perform the operation of the client side software when this is permitted by the client, and to receive internal footprint information subsequently transmitted by the client side software program, said internal footprint information including identity information relating to the identity of the computer on which the software is installed, the server further configured to compare the identity information against a database containing identity information and transaction information previously stored.
A system for detecting fraud comprising:
- A remote server configured for obtaining an external footprint of a user's profile and to communicate with client-side fraud detection software program that is operated on the client's electronic device in order to obtain internal footprint information, the remote servers further configured for operating upon the external and internal footprint information to detect fraud;
- and,
- the client-side fraud detection software program configured to generate an internal footprint and send this internal footprint to the remote server,
- wherein the internal footprint comprises information about the identity of the electronic device on which the software program is installed said information being obtained from within the electronic device;
- and,
- wherein the external footprint comprises information about the identity of the electronic device on which the software program is installed said information being obtained from outside the electronic device.
Dependencies are inferred from the claim text.