Purchasing on the internet using verified order information and bank payment assurance
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Accused Products
Abstract
Methods for goods or services over the internet (15). A customer has a customer account set up at a bank (30) with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery address, authorized global positioning satellite or other secure location information, authorized user identification, authorized telephone caller identification, and/or other account information. An order is placed by a user via an ordering computer (10) which provides order information. Such order information includes verification variables used by the bank (30). Verification and/or authentication using one or more variables of the customer account information is used by the bank to validate the order before assuring payment to the merchant (20). An internet specific account number can alternatively be used.
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Citations
348 Claims
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1-188. -188. (canceled)
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189. A method performed by a bank for authorizing a purchase of goods or services over the internet, the purchase being made by a customer using a merchant, said merchant having an internet site at which the merchant offers goods or services;
- and wherein a bank authorizes the purchase and assures payment to the merchant, comprising;
detecting by the bank when a customer chooses to pay the merchant using said bank;
obtaining by the bank order information indicating the customer has placed an order which seeks to obtain goods or services using the merchant;
obtaining by the bank information about an order computer from which said order has been placed;
accessing customer verification information which includes authorized customer computer information which indicates one or more computers which have been authorized for use in placing orders;
verifying said order computer used in placing the order is an authorized customer computer;
communicating from the bank to the merchant assurance of payment information upon successful verification in said verifying step. - View Dependent Claims (190, 191, 192, 193, 194, 195, 196, 197, 198, 199, 200, 201, 202, 203, 204)
- and wherein a bank authorizes the purchase and assures payment to the merchant, comprising;
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205-332. -332. (canceled)
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333. A method for purchasing of goods or services and assuring payment over the internet, the purchase being made by a customer using a merchant, said merchant having an internet site at which the merchant offers goods or services;
- and wherein a bank authorizes the purchase and assures payment to the merchant, comprising;
obtaining order information indicating a customer desires to place an order which seeks to obtain goods or services using the merchant;
delivering a first portion of the order information to the merchant using a customer computer;
delivering a second portion of the order information to the merchant via a bank computer;
providing customer information to the bank in connection with said order information;
accessing customer verification information by the bank, said customer verification information being previously set up by the customer with the bank;
verifying that the customer information provided in connection with said order information is associated with said customer;
communicating from the bank to the merchant assurance of payment information upon successful verification in said verifying step. - View Dependent Claims (344)
- and wherein a bank authorizes the purchase and assures payment to the merchant, comprising;
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334-343. -343. (canceled)
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345. (canceled)
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346. A method for validating a purchase of goods or services over the internet, the purchase being made by a customer using a merchant, said merchant having an internet site at which the merchant offers goods or services;
- and wherein a bank authorizes the purchase and assures payment to the merchant, comprising;
detecting when a customer chooses to pay the merchant using said bank;
obtaining order information indicating the customer has placed an order which seeks to obtain goods or services using the merchant;
obtaining information about an order computer from which said order has been placed;
accessing customer verification information which includes authorized customer computer information which indicates one or more computers which have been authorized for use in placing orders;
verifying said order computer used in placing the order is an authorized customer computer;
validating the order. - View Dependent Claims (347)
- and wherein a bank authorizes the purchase and assures payment to the merchant, comprising;
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348-396. -396. (canceled)
Specification