System & method for purchasing goods or services via the internet
First Claim
1. A method of performing sale transaction between a customer to a commercial web-site via financing system, said method comprising the steps of:
- (a) Selecting any product or service by the customer from commercial web-site;
(b) Presenting by the merchant web-site sale details to the customer;
(c) Recording sale details;
(a) Connecting customer to financing system;
(a) Identifying and authenticating customer by financing system;
(f) Transferring sale details and commercial web-sits identification (web-site identification) from customer to the financing system;
(g) Checking customer credit by the financing system;
(h) Financing system connects commercial web-site according to received web-site identification;
(i) Identifying and authenticating financing system by the commercial site;
(i) Performing sale transaction between commercial web-site and the financing system;
(k) Paying commercial web-site by the financing system according to sale details;
(l) Debiting customer account by the financing system;
according to sale details, (m) Providing product or service by commercial web-site to customer
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Accused Products
Abstract
A method of performing sale transaction between a customer to a commercial web-site via financing system. Wherein the financing system acts not only for money transaction but as an agent of the of the customer.
The customer selects desirable product or service from any commercial web-site and records information relating the product/service sale. The information is routed to the financing organization. Upon receiving the said information the financing organization connects the respective web site and performs the sale transaction according to customer instructions. For the commercial web-site the financing organization is the “real” buyer who pays for the product/service, although said product/service are supplied to the customer address.
Finally, the financing organization debits the customer for the provided product or service, thus there is no direct financial transactions between the customer and the commercial web-site.
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Citations
20 Claims
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1. A method of performing sale transaction between a customer to a commercial web-site via financing system, said method comprising the steps of:
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(a) Selecting any product or service by the customer from commercial web-site;
(b) Presenting by the merchant web-site sale details to the customer;
(c) Recording sale details;
(a) Connecting customer to financing system;
(a) Identifying and authenticating customer by financing system;
(f) Transferring sale details and commercial web-sits identification (web-site identification) from customer to the financing system;
(g) Checking customer credit by the financing system;
(h) Financing system connects commercial web-site according to received web-site identification;
(i) Identifying and authenticating financing system by the commercial site;
(i) Performing sale transaction between commercial web-site and the financing system;
(k) Paying commercial web-site by the financing system according to sale details;
(l) Debiting customer account by the financing system;
according to sale details,(m) Providing product or service by commercial web-site to customer - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 14, 19, 20)
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11. A system of performing sale transaction between a customer to a commercial web-site via financing system, said system comprised of:
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(a) Storing means for recording sale details;
(b) Communication means for connecting customer to financing system;
(c) Detecting means for identifying and authenticating customer by financing system;
(d) Communication means for transferring sale details and commercial web-site identification and/or address from customer to the financing system;
(e) Verifying means for checking customer credit by the financing system;
(f) Communication means for connecting financing system to commercial web-site according to received identification and/or address;
(g) Identifying means for detecting and authenticating financing system by the commercial site;
(h) Means for performing sale transaction between commercial web-site and the financing system;
(i) Financial means for paying commercial web-site by the financing system according to sale details and debiting customer account by the financing system according to sale details;
- View Dependent Claims (12, 13, 15, 16, 17, 18)
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Specification