Methods and systems for network based electronic purchasing system
First Claim
1. A method for facilitating purchasing transactions using the Internet, said method comprising the steps of:
- accessing a secure purchasing system account;
funding the account;
activating the account for purchasing;
setting at least one of a transaction amount limit and a time limit for a purchasing session using the account;
receiving temporary card numbers and expiration dates for the numbers that are assigned to the account; and
using the temporary card numbers to purchase items over the Internet.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for providing private and secure electronic purchasing via the Internet is disclosed. The system includes a central computer system which has capabilities to securely communicate with off-site remote access terminals via the Internet. The central computer system also has capabilities to securely communicate with trust bank computers, investment advisor computers and card processing computers. Provided are remote security access, account cross-referencing, omnibus accounting, and debit and credit card number selection. The central computer system is accessed using a computer via the Internet where a user activates a digital checkbook using the computer and sets transaction and time limits using the computer. User account information is accessed by the system, card numbers are selected by the system, and the user account is temporarily linked to the selected numbers by the system. The user never has to expose any personal information to the merchant.
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Citations
56 Claims
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1. A method for facilitating purchasing transactions using the Internet, said method comprising the steps of:
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accessing a secure purchasing system account;
funding the account;
activating the account for purchasing;
setting at least one of a transaction amount limit and a time limit for a purchasing session using the account;
receiving temporary card numbers and expiration dates for the numbers that are assigned to the account; and
using the temporary card numbers to purchase items over the Internet. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 37, 38, 39, 40, 41, 42)
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15. A system to facilitate secure purchasing via the Internet comprising:
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a central computer further comprising;
a digital checkbook module;
a merchant database module; and
a temporary card number module;
at least one Internet server coupled to said central computer; and
at least one of an Internet and an intranet server coupled to said central computer, and further coupled to an acquiring bank processor, said central computer configured to assign temporary debit and credit card numbers using said temporary card number module, to a checkbook of a registered user, the checkbook located within said digital checkbook module, the temporary card numbers being sent by said system to a merchant, via the Internet, to pay for purchases made by the registered user when accessing a merchant website.
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36. A method for operating a computer to facilitate private and secure purchasing transactions, said method comprising the steps of:
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prompting a user to enter a user ID and a password;
prompting the user to activate a purchasing session;
retrieving user account information; and
generating at least one of a temporary debit card number and a temporary credit card number for use by the user in a purchasing session.
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43. A database comprising:
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data corresponding to merchants who are partnered with a private and secure purchasing system provider;
data corresponding to pricing for transactions;
data corresponding to credit card and debit card numbers;
data corresponding to users;
data corresponding to customer histories;
data corresponding to account balances; and
data corresponding to user IDs and passwords. - View Dependent Claims (44, 45, 46, 48, 49, 50, 51, 52, 53, 54, 55, 56)
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47. A computer programmed to:
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verify user entered member numbers and user IDs and passwords against an IDs and passwords database in a security module;
verify user account balances;
assign at least one temporary debit card number and at least one temporary credit card number to a user for a purchasing session;
activate a user account for purchasing;
connect to at least one merchant web site; and
transmit at least one temporary card number to a merchant as payment for a purchase.
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Specification