Mastercard International Incorporated

The Brodia Group

Paul H Rubin

Theodore Charles Goldstein

Ronald Martinez

A trusted third-party authentication protocol that facilitates secure commercial transactions over computer networks between a merchant and a user. The method and system of the present invention generally involves three entities: 1) a guarantor, which acts as a trusted arbitrator, 2) a merchant, and 3) a consumer or user. In one embodiment, the guarantor authenticates users and provides authentication documents back to the user for use in transactions with merchants. The authentication document generated by the guarantor can be used as a means to validate a user's identity and/or to provide authorization/validation of a specific transaction.

Method and system for secure guaranteed transactions over a computer network

A trusted agent server provides a networked application that assists a customer in managing their online commercial affairs. A user contacts the server using a network access device, such as a browser on a personal computer. The trusted agent client component augments the user's network access device to perform business transactions on behalf of the user. The user controls these transactions through the trusted agent server. A trusted agent service is a trusted agent client component application which operates in conjunction with the trusted agent server. The trusted agent service is an Internet-based mechanism that makes single-click buying available on any commercial Web site. The trusted agent also provides customers with access to personal and credit card information used during single-click transactions, smart receipts used for ongoing customer support, merchant and product preference settings, and direct response product offerings keyed to these preferences. Because this information is all stored on the trusted agent server, it is available to any device connected to the Internet. The trusted agent service is implemented by operating the trusted agent server.

Growing community of inventors

Milpitas, CA, United States of America

Paul H Rubin