Late binding token in system and method for verifying intent in a card not present transaction

Abstract

A system for verifying intent in a card not present transaction is provided. The system includes a late binding token that is distributable to consumers without necessarily being bound to an account. The system also includes a client software that locates a token server configured to facilitate managing and communicating with the late binding token. The system also includes a protocol concerning how to build a verifiably secure structured proposal that carries an offer to the consumer through the client software.

1 .- 24 . (canceled) 
     
     
         25 . A method for facilitating secure, verifiable transactions involving a structured proposal, comprising:
 providing a structured proposal from a computing device of a supplier to a computing device of a consumer;   transforming the entire structured proposal, using a transformation logic, into an image viewable by the consumer;   displaying the image of the entire structured proposal to the consumer;   identifying the transformation logic used to transform the entire structured proposal into the image viewable by the consumer;   recording any information provided by the consumer about the structured proposal;   creating a data bundle including a hash of the structured proposal, a signature of the hash, and at least one of the identity of the transformation logic and any of the consumer provided information; and   transmitting the data bundle, from the consumer's computing device to the supplier's computing device, as proof that the entire structured proposal has been viewable by the consumer.   
     
     
         26 . The method of  claim 25 , further comprising:
 binding a late binding token to one or more identifiers of the consumer to make a bound token, which has a private key that can sign hashes.   
     
     
         27 . The method of  claim 26 , wherein the binding step includes:
 binding the late binding token to the one or more identifiers of the consumer, the one or more identifiers including a credit account, a debit account, a merchant account, a frequent flyer account, and a prepaid account.   
     
     
         28 . The method of  claim 26 , further comprising:
 signing the data bundle, where the signed bundle comprises at least one of an unsigned hash associated with a structured proposal, the signature of the hash associated with a structured proposal, the identity of the transformation logic, and the information provided by the consumer, where at least one of the signatures was created by the bound token;   transmitting the signed data bundle from the consumer's computing device to the supplier's computing device for providing evidence that the bound token was accessible by the consumer's computing device at the time the data bundle was signed; and   establishing a confidence level that the consumer accepted the structured proposal based, at least in part, on analyzing the signed bundle.   
     
     
         29 . The method of  claim 28 , further comprising:
 establishing a consumer funds position related to the transaction; and   providing one of an acceptance, a counter-proposal, and a rejection of the transaction based, at least in part, on the consumer funds position.   
     
     
         30 .- 31 . (canceled) 
     
     
         32 . A computer data signal embodied in a transmission medium, comprising:
 a bundle, comprising:
 an unsigned hash of a structured proposal and an indicia of consumer acceptance of an offer in the structured proposal; 
 a digitally signed hash of the structured proposal and the indicia of consumer acceptance of the offer in the structured proposal, where a first digital signature on the digitally signed hash is provided by a late binding token; and 
 one or more identifiers associated with at least one of the provider of the structured proposal, a late binding token employed by the consumer, and an identity of a transformation logic used to transform the entire structured proposal so that the entire structured proposal is viewable by the consumer. 
   
     
     
         33 . The computer data signal of  claim 32 , wherein the bundle includes:
 a second digital signature provided by the transformation logic used to display the entire structured proposal to the consumer.   
     
     
         34 . A system for verifying intent in a card not present transaction, comprising:
 means for defining a structured proposal;   means for securely displaying the entire structured proposal to a consumer;   means for detecting an intent of the consumer to enter into a transaction associated with the structured proposal;   means for late binding a token to a consumer; and   means for hashing and digitally signing a data packet bundling the structured proposal and an indicia of the intent of the consumer, where at least one digital signature is provided by the late binding token.   
     
     
         35 . The method of  claim 25 , wherein the recording step includes:
 recording an indicia of acceptance/declination of the structured proposal as a part of the information provided by the consumer.