Microsoft Technology Licensing, LLC

Other

Joseph N Coco

Arnold Neil Blinn

Melissa Wood Dunn

Ashvin Mathew

Puhazholi Vetrivel

Nayana Ramdas Mutha

David Robert Shutt

Greg A Marks

Wei-Qiang Michael Gui

Consent management between a client and a network server. In response to a request for consent, a central server determines if requested user information is included in a user profile associated with a user and if the user has granted consent to share the requested user information. A user interface is provided to the user via a browser of the client to collect the requested user information that is not included in the user profile and the consent to share the requested user information from the user. After receiving the user information provided by the user via the user interface, the service provided by the network server is allowed access to the received user information, and the central server updates the user profile. Other aspects of the invention are directed to computer-readable media for use with profile and consent accrual.

Profile and consent accrual

A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.

Method and system for restricting the usage of payment accounts

Systems and methods for associating multiple credentials with a single user account in a distributed authentication system. A user can be authenticated to a service by providing any one of the multiple credentials to the authentication system. Thus, a user can provide credentials that are more easily entered or supplied on a given device. All of the credentials are associated with a single user account. The credentials can be associated symmetrically, where the user account is independent of each credential, or asymmetrically, where the user account is stored with a primary credential and the other credentials are secondary credentials that reference the primary credential.

Multiple credentials in a distributed system

An electronic wallet including is made available to a user and is capable of storing a wide variety of different types of accounts (including both payment accounts and traditional credit card accounts). An identification of the different accounts corresponding to a user is displayed to the user and the user is allowed to manipulate these accounts. The electronic wallet also allows the user to combine funds from multiple different accounts into a single account. This combination allows the interface on a merchant server to be designed to accommodate a single account without concern for what types of accounts a user may wish to combine. Furthermore, in accordance with one aspect, when the user is purchasing goods and/or services from a merchant on-line, only those accounts that are useable at the merchant are presented as being available to the user.

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Redmond, WA, United States of America

Joseph N Coco