Masking private billing data by assigning other billing data to use in commerce with businesses
DC CAFC
First Claim
Patent Images
1. A method for a user to provide substitute billing data in lieu of personal billing data, comprising:
- an electronic device facilitating a request to a billing service for first and second distinct credit card numbers, including identifying each business with which the first and second distinct credit card numbers are to be used;
the electronic device obtaining the first and second distinct credit card numbers from the billing service for use by the user as a substitute for said personal billing data, the first and second distinct credit card numbers associated with each said business by the billing service;
the electronic device facilitating one or more purchasing transactions with a first associated business using the first credit card number; and
the electronic device facilitating one or more purchasing transactions with a second associated business using the second credit card number.
2 Assignments
Litigations
1 Petition
Accused Products
Abstract
A method and apparatus for shielding a user'"'"'s private billing data, such as credit card information, or other billing arrangements, but distributing different billing data to businesses during commerce therewith. Also disclosed is assigning the different billing data through real-time and advance distribution of the different billing data to a user, as well. Also disclosed is validating the correctness of a charge through confirmation of the charge with a financial institution, such as a bank, and by comparing itemized charges against expected charges identified by the user.
13 Citations
18 Claims
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1. A method for a user to provide substitute billing data in lieu of personal billing data, comprising:
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an electronic device facilitating a request to a billing service for first and second distinct credit card numbers, including identifying each business with which the first and second distinct credit card numbers are to be used; the electronic device obtaining the first and second distinct credit card numbers from the billing service for use by the user as a substitute for said personal billing data, the first and second distinct credit card numbers associated with each said business by the billing service; the electronic device facilitating one or more purchasing transactions with a first associated business using the first credit card number; and the electronic device facilitating one or more purchasing transactions with a second associated business using the second credit card number. - View Dependent Claims (2, 3, 4)
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5. A method comprising:
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a billing service registering a user; the billing service receiving identification of a first and a second business with which the user intends to conduct one or more purchasing transactions; the billing service associating a first and a second billing data, that are separate and distinct, with the first and the second business respectively; and the billing service providing the first and second billing data for use by the user as substitutes for personal billing data for subsequent purchasing transactions. - View Dependent Claims (6, 7, 8, 9)
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10. An apparatus comprising:
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a storage medium having stored therein a plurality of programming instructions designed to enable the apparatus, when the programming instructions are executed, to register a user, receive identification of a first and a second business with which the user intends to conduct one or more purchasing transactions, associate a first and a second billing data, that are separate and distinct, with the first and the second business respectively, and provide the first and second billing data for use by the user as substitutes for personal billing data when conducting purchasing transactions with the first and the second businesses; and a processor coupled to the storage medium to execute the plurality of programming instructions. - View Dependent Claims (11, 12, 13, 14)
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15. An apparatus for a user to provide substitute billing data in lieu of personal billing data, comprising:
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means for facilitating a request to a billing service for first and second distinct credit card numbers; means for identifying each business with which the first and second distinct credit card numbers are to be used; means for obtaining from the billing service the first and second distinct credit card numbers associated with each business for use by the user as a substitute for said personal billing data; means for facilitating one or more purchasing transactions with a first associated business using the first credit card number; and means for facilitating one or more purchasing transactions with a second associated business using the second credit card number. - View Dependent Claims (16)
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17. An article of manufacture including a computer-readable medium having instructions stored thereon that, if executed by a computing device, cause the computing device to perform a method comprising:
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registering a user; receiving identification of a first and a second business with which the user intends to conduct one or more purchasing transactions; associating a first and a second billing data, that are separate and distinct, with the first and the second business respectively; and providing the first and second billing data for use by the user as substitutes for personal billing data when conducting purchasing transactions with the first and the second businesses. - View Dependent Claims (18)
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Specification
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Litigation Data
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Current AssigneeIntellectual Ventures I LLC (Intellectual Ventures LLC)
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Original AssigneeHall Aluminum LLC (Intellectual Ventures LLC)
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InventorsEngstrom, G. Eric, Phillips, Christopher
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Primary Examiner(s)PATEL, JAGDISH
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Application NumberUS11/591,696Publication NumberTime in Patent Office1,203 DaysField of Search705/39, 705/40, 705/35, 705/26, 705/44, 705/38US Class Current705/40CPC Class CodesG06Q 20/02 involving a neutral party, ...G06Q 20/04 Payment circuitsG06Q 20/102 Bill distribution or paymentsG06Q 20/12 specially adapted for elect...G06Q 20/3829 involving key managementG06Q 20/385 using an alias or single-us...G06Q 20/40 Authorisation, e.g. identif...G06Q 30/04 Billing or invoicingG06Q 40/03 Credit; Loans; Processing t...
