Secure online purchasing
2 Assignments
0 Petitions
Accused Products
Abstract
In a method of purchasing online, a client device of a customer communicates a purchase selection which is received by a vendor computer system. The vendor computer system, in response, communicates a cost of the purchase selection and fund confirmation address to the client device. The client device communicates a payment authorization for the cost that is received by a fund guardian. The client device also communicates biometric information. The fund guardian confirms the availability of sufficient funds to pay the cost. The biometric information is applied along with a stored biometric print to authenticate the customer. The vendor computer system communicates a fund confirmation address which is received by the fund guardian. When sufficient funds are available to pay the cost, and when the customer is authenticated, the fund guardian communicates a fund confirmation to the vendor computer system at the fund confirmation address.
58 Citations
49 Claims
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1-18. -18. (canceled)
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19. A method of purchasing online comprising:
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a client device of a customer communicating a purchase selection, the purchase selection received by a vendor computer system;
the vendor computer system in response communicating a cost of the purchase selection and a fund confirmation address, the cost and fund confirmation address received by the client device;
the client device communicating a payment authorization for the cost, the payment authorization received by a fund guardian, the fund guardian to confirm the availability of sufficient funds to pay the cost;
the client device communicating the fund confirmation address, the fund confirmation address received by the fund guardian; and
when sufficient funds are available to pay the cost, the fund guardian communicating a fund confirmation to the fund confirmation address without using the client device as an intermediary. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27)
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28. A method of transacting online comprising:
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from a client device, communicating a purchase selection for receipt by a vendor computer system;
at the client device, receiving a cost of the purchase selection and a fund confirmation address, the cost and the fund confirmation address communicated by the vendor computer system; and
from the client device and for receipt by a fund guardian, communicating the fund confirmation address and a payment authorization for the cost of the purchase selection for use by the fund guardian to provide a fund confirmation to the fund confirmation address without using the client device as an intermediary. - View Dependent Claims (29, 30, 31, 32, 33, 34)
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35. A method of transacting online comprising:
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communicating a purchase selection for receipt by a vendor computer system;
receiving a cost of the purchase selection, the cost communicated by the vendor computer system; and
communicating an indication of the purchase selection for receipt by a billing system to cause the billing system to suspend network access charges. - View Dependent Claims (36, 37, 38, 39, 40, 41, 42, 43, 44)
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45. A method of transacting online, comprising:
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receiving a purchase selection communicated by a client device;
in response to receiving the purchase selection, communicating to the client device a cost of the purchase selection and a fund confirmation address for subsequent communication by the client device to a fund guardian for a user of the client device;
receiving at the fund confirmation address a fund confirmation for the cost of the purchase selection, wherein the fund confirmation is communicated without using the client device as an intermediary; and
enabling a download by the client device in response to receiving the fund confirmation. - View Dependent Claims (46, 47, 48, 49)
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Specification