Secure method for purchasing and payment over a communication network and method for delivering goods anonymously
First Claim
1. A method and system for making secure online purchases and payments over a communication network (Network) and the anonymous delivery of said purchases (Solution), the Solution comprising:
- a switching communication device for switching communications between entities attached to said Network;
a Merchant server (Merchant) in communication with said Network, said Merchant including an interface for selling at least one item, including but not limited to products and/or services (Products);
said Merchant having at least one payment method that can be used by a User for requesting an electronic purchase;
a Client device (Client) in communication with said Network, said Client including a browser software and output device for reviewing said one item for sale, an input device used by the User for initiating a purchase transaction to purchase said one item for sale;
a Solution'"'"'s Server (Agent) in communication with said Network, said Agent being an intermediary between the Client and the Merchant and being the Client'"'"'s Agent before the Merchant and a Delivery Agent, said Agent comprising a Solution'"'"'s Accounts Manager system, said Agent also comprising a Content Manager system that manages the content embedded in electronic messages, said Agent also having a secure and fraud inhibitor method and system that submits the electronic purchase to the Merchant on behalf of the User and processes payments to said Merchant, said Agent also having a system and method for delivering said purchase to the User anonymously;
a Payment Processor used by said Merchant to request payments authorization for said electronic purchase, said Payment Processor having a server (Payment Processor'"'"'s Server) in communication with said Merchant through said Network or other communication method, including but not limited to Internet, value added networks, point to point telephone lines, fax system and telephone systems, said Payment Processor'"'"'s Server acting as the Payment Processor for said Merchant for said electronic purchase;
an Issuer that issues payment methods to be used by the Agent for submitting the electronic purchase to the Merchant, said Issuer having a server (Issuer'"'"'s server) in communication with said Agent and said Payment Processor'"'"'s Server through the Network or other communication method, including but not limited to Internet, value added networks, point to point telephone lines, fax system and telephone systems, said Issuer'"'"'s acting as the payment authorization gateway between the Payment Processor and the Agent; and
a Delivery Agent in communication with said Agent through said Network or other communication method, including but not limited to Internet, value added networks, point to point telephone lines, fax system and telephone systems, said Delivery Agent being arranged to deliver said electronic purchase to the User based on the delivery instructions previously notified by the Agent.
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Accused Products
Abstract
A secure system and method for purchasing and payment to be used on a communication network having at least one server site (Merchant) that offers products and/or services for sale, at least one User that engages in electronic commerce with said Merchant and an Agent that acts as an intermediary between Clients and Merchants and as the Client'"'"'s agent before Merchants. This invention discloses a secure and fraud inhibitor system and method for an Agent for making secure purchases and payments to Merchant on behalf of the User, while making collections to Users independently; and a method and system for delivering said purchases to said Users anonymously.
153 Citations
10 Claims
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1. A method and system for making secure online purchases and payments over a communication network (Network) and the anonymous delivery of said purchases (Solution), the Solution comprising:
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a switching communication device for switching communications between entities attached to said Network;
a Merchant server (Merchant) in communication with said Network, said Merchant including an interface for selling at least one item, including but not limited to products and/or services (Products);
said Merchant having at least one payment method that can be used by a User for requesting an electronic purchase;
a Client device (Client) in communication with said Network, said Client including a browser software and output device for reviewing said one item for sale, an input device used by the User for initiating a purchase transaction to purchase said one item for sale;
a Solution'"'"'s Server (Agent) in communication with said Network, said Agent being an intermediary between the Client and the Merchant and being the Client'"'"'s Agent before the Merchant and a Delivery Agent, said Agent comprising a Solution'"'"'s Accounts Manager system, said Agent also comprising a Content Manager system that manages the content embedded in electronic messages, said Agent also having a secure and fraud inhibitor method and system that submits the electronic purchase to the Merchant on behalf of the User and processes payments to said Merchant, said Agent also having a system and method for delivering said purchase to the User anonymously;
a Payment Processor used by said Merchant to request payments authorization for said electronic purchase, said Payment Processor having a server (Payment Processor'"'"'s Server) in communication with said Merchant through said Network or other communication method, including but not limited to Internet, value added networks, point to point telephone lines, fax system and telephone systems, said Payment Processor'"'"'s Server acting as the Payment Processor for said Merchant for said electronic purchase;
an Issuer that issues payment methods to be used by the Agent for submitting the electronic purchase to the Merchant, said Issuer having a server (Issuer'"'"'s server) in communication with said Agent and said Payment Processor'"'"'s Server through the Network or other communication method, including but not limited to Internet, value added networks, point to point telephone lines, fax system and telephone systems, said Issuer'"'"'s acting as the payment authorization gateway between the Payment Processor and the Agent; and
a Delivery Agent in communication with said Agent through said Network or other communication method, including but not limited to Internet, value added networks, point to point telephone lines, fax system and telephone systems, said Delivery Agent being arranged to deliver said electronic purchase to the User based on the delivery instructions previously notified by the Agent. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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Specification