System, method and computer program product for allowing a carrier to act as a credit-approval entity for e-commerce transactions
First Claim
Patent Images
1. A method for paying for a transaction over the Internet, comprising:
- (a) receiving information utilizing a network, wherein the information includes an Internet Protocol (IP) address of a user and an amount of payment due;
(b) identifying an account using at least a portion of the information; and
(c) administering payment for the payment due by billing against the account.
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Accused Products
Abstract
A system, method and computer program product are provided for paying for a transaction over the Internet. Initially, information is received utilizing a network. Such information includes an Internet Protocol (IP) address of a user and an amount of payment due. An account is then identified using at least a portion of the information, i.e. the IP address. Thereafter, payment is administered for the payment due by billing against the account. In a preferred embodiment, the present invention may be carried out by a network service provider who provides the user with access to the network.
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Citations
26 Claims
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1. A method for paying for a transaction over the Internet, comprising:
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(a) receiving information utilizing a network, wherein the information includes an Internet Protocol (IP) address of a user and an amount of payment due;
(b) identifying an account using at least a portion of the information; and
(c) administering payment for the payment due by billing against the account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer program product for paying for a transaction over the Internet, comprising:
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(a) computer code for receiving information utilizing a network, wherein the information includes an Internet Protocol (IP) address of a user and an amount of payment due;
(b) computer code for identifying an account using at least a portion of the information; and
(c) computer code for administering payment for the payment due by billing against the account. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A system for paying for a transaction over the Internet, comprising:
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(a) logic for receiving information utilizing a network, wherein the information includes an Internet Protocol (IP) address of a user and an amount of payment due;
(b) logic for identifying an account using at least a portion of the information; and
(c) logic for administering payment for the payment due by billing against the account.
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26. A method for paying for a transaction over the Internet, comprising:
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(a) providing a link to a site on a network where a business transaction is occurring;
(b) receiving information from the site at a third party location during the transaction, wherein the information includes an Internet Protocol (IP) address of a user and an amount of payment due;
(c) identifying an account using at least a portion of the information;
(d) identifying whether any rules are associated with the account;
(e) conditionally administering payment for the payment due by billing against the account in accordance with any identified rules;
(f) identifying shipping information based on the received information;
(g) sending the shipping information to the site; and
(h) receiving compensation from the site.
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Specification