Myriad of payment methods with alternate payment controls

Patent metadata

Field	Value
Publication number	US-11416829-B2
Application number	US-201615209338-A
Country	US
Kind code	B2
Filing date	Jul 13, 2016
Priority date	Jul 13, 2015
Publication date	Aug 16, 2022
Grant date	Aug 16, 2022

Abstract

A system and method for providing an email as a command is disclosed. The system and method include formatting an action in an e-commerce system based on an assigned address, wherein communication with the assigned address initiates the action, and authenticating a message addressed to the assigned address, wherein for a positively authenticated message the action is performed. The system and method may also include receiving the message sent to the assigned address. For negatively authenticated messages, the system and method include providing a sender of the message a sign-up to enable positive authentication. The system and method may include requesting details of the action based on the message. The system and method may include sending an invoice for the action to the address that sent the authenticated message and processing a payment based on a response to the sent invoice.

First claim

What is claimed is:

1. A method that improves security of a computer network using Simple Mail Transfer Protocol (SMTP), the method comprising:
receiving, by a processor of an e-commerce system in the computer network, a command email address request, wherein the command email address request comprises an action for a particular transaction of a registered user;
generating, by the processor of the e-commerce system in the computer network, the command email address for the e-commerce system;
assigning, by the processor of the e-commerce system in the computer network, the command email address to the action for the particular transaction of the registered user;
receiving, by the processor of the e-commerce system, a first email message from a sender address utilizing SMTP, wherein the first email message is received by the processor via the command email address;
validating, by the processor, the sender address to generate a validation result using at least one of DomainKeys Identified Mail (DKIM) and Sender Policy Framework (SPF) protocols;
authenticating, by the processor, the sender address as the registered user to generate an authentication result, wherein the authenticating is performed by comparing the sender address to a list of registered users;
identifying, by the processor, the action for the particular transaction based on the command email address and the sender address;
retrieving, by the processor, additional information for the action from a vendor system in the computer network;
transmitting, by the processor, a second email message to the sender address based on the validation result and the authentication result, wherein the second email message is transmitted utilizing SMTP and contains the additional information;
receiving, by the processor, a third email message from the sender address utilizing SMTP via a confirmation email address of the e-commerce system, wherein the third email message is received in response to activation of a mailto link contained in the second email message; and
performing, by the processor, the action in response to receiving the third email message.

2. The method of claim 1 , further comprising:
transmitting, by the processor, a first mailto link, wherein the first email message is received in response to activation of the first mailto link, wherein the first email message further includes information contained in the first mailto link.

3. The method of claim 1 , wherein the method further includes:
sending, by the processor, a registration message to the sender address when the authentication result indicates the sender address is not the registered user, wherein the registration message includes a link to a sign-up that registers the sender address with the e-commerce system;
receiving, by the processor, a registration in response to activation of the link; and
registering, by the processor, the sender address with the e-commerce system as the registered user.

4. The method of claim 3 , wherein the link is a Universal Resource Locator (URL) link or a mailto link.

5. The method of claim 1 , wherein the command email address is one of a plurality of email addresses of the e-commerce system, and
wherein the confirmation email address is different than the command email address.

6. The method of claim 2 , wherein the first mailto link is transmitted as an Short Messaging Standard (SMS) message or as an email message.

7. A system that improves security of a computer network, the system comprising:
a communication interface that is communicatively coupled to a vendor system and a user device via the computer network;
a memory that stores a plurality of addresses; and
a processor that is communicatively coupled to the communication interface and the memory;
wherein the processor is configured to:
receive a command email address request, wherein the command email address request comprises an action for a particular transaction of a registered user;
generate the command email address for the e-commerce system;
assign the command email address to the action for the particular transaction of the registered user;
receive, using the communication interface, a first email message from a sender address via SMTP, wherein the first email message is received from the user device by the processor via the command email address;
validate the sender address to generate a validation result using at least one of DomainKeys Identified Mail (DKIM) and Sender Policy Framework (SPF) protocols to generate a validation result;
compare the sender address to the plurality of addresses to generate an authentication result;
identify the action for the particular transaction based on the command email address and the sender address;
retrieve, using the communication interface, additional information for the action from the vendor system;
transmit, using the communication interface, a second email message to the sender address based on the validation result and the authentication result, wherein the second email message is transmitted utilizing SMTP and contains the additional information;
receive, by the processor, a third email message from the sender address via a confirmation email address using SMTP, wherein the third email message is received in response to activation of a mailto link contained in the second email message; and
perform the action in response to receiving the third email message.

8. The system of claim 7 , wherein the processor is further configured to:
transmit a first mailto link, wherein the first email message is received in response to activation of the first mailto link, within the first email message further includes information contained in the mailto link.

9. The system of claim 7 , wherein the processor is further configured to:
send, using the communication interface, a registration message to the sender address when the authentication result indicates that the sender address is not a registered user, wherein the registration message includes a link to a sign-up,
receive, using the communication interface, a registration in response to activation of the link; and
register the sender address in the memory as the registered user.

10. The system of claim 7 , wherein the system is configured to receive email messages from a plurality of email addresses, wherein the plurality of email addresses includes the command email address,
wherein the confirmation email address is different than the command email address.

11. The system of claim 8 , wherein the first mailto link is sent as a Short Messaging Standard (SMS) message or as an email message.

12. A non-transitory computer readable storage medium storing instructions for improving security of a computer network, the instructions when executed by a processor of an e-commerce system, cause the processor to execute a method, the method comprising:
receiving a command email address request, wherein the command email address request comprises an action for a particular transaction of a registered user;
generating the command email address for the e-commerce system;
assigning the command email address to the action for the particular transaction of the registered user;
receiving, using a communication interface, a first email message from a sender address utilizing SMTP, wherein the first email message is received by the processor via the command email address of the e-commerce system;
validating the sender address to generate a validation result using at least one of DomainKeys Identified Mail (DKIM) and Sender Policy Framework (SPF) protocols;
comparing, using a memory, the sender address to a plurality of addresses to generate an aut

Assignees

• Swoop Ip Holdings Llc

Inventors

• Killoran Jr John P
• Killoran Patrick
• Englebrake Corey

Classifications

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• H04L51/18

  Commands or executable codes · CPC title

• G06Q30/04

  Billing or invoicing · CPC title

• G06Q20/367

  involving electronic purses or money safes · CPC title

• G06Q20/3255

  using mobile network messaging services for payment, e.g. SMS · CPC title