Method and apparatus for conducting transactions over a network
First Claim
1. A system to conduct transactions for a customer over a web site of a provider accepting payment for said transactions in electronic form, wherein a customer payment satisfying payment requirements of said transaction is receivable in forms including at least one of cash and a check, said system comprising:
- an agent processor, disposed at a remote site, to receive a customer selection of a desired business transaction conducted in real time with a web site of a particular provider accepting payment for said desired business transaction in electronic form and to process information associated with a customer payment receivable in forms including at least one of cash and a check to satisfy payment requirements of said customer selected transaction; and
a transaction processor, in communication with said agent processor and said provider web site, for receiving said customer selection from said agent processor and facilitating performance and completion of said customer selected transaction with said web site in response to said customer payment, said transaction processor including;
a transaction information module to examine said web site to determine information required by that web site to conduct said customer selected transaction; and
a transaction performance module to transmit said required information including payment information associated with a service provider to said particular web site in order for said service provider to tender payment for said customer in electronic form to complete said transaction with said web site.
1 Assignment
0 Petitions
Accused Products
Abstract
A system enables tender of payment manually (e.g., cash, check, etc.) for transactions conducted over a network (e.g., the Internet). The system includes one or more computer systems each located at a corresponding agent site, one or more merchant systems and a server computer system in communication with the agent and merchant systems. The server system accesses the appropriate merchant network or web site in response to transaction selection information received from the agent system, and translates those web pages for transmission to the agent system. The server computer system further receives the required transaction information from the agent system and processes the transaction information for transference to the particular merchant web site. In addition, the server system enters credit card information of a provider of the transaction service within the transaction payment information for transference to the merchant system in order to tender payment for the network transaction.
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Citations
41 Claims
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1. A system to conduct transactions for a customer over a web site of a provider accepting payment for said transactions in electronic form, wherein a customer payment satisfying payment requirements of said transaction is receivable in forms including at least one of cash and a check, said system comprising:
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an agent processor, disposed at a remote site, to receive a customer selection of a desired business transaction conducted in real time with a web site of a particular provider accepting payment for said desired business transaction in electronic form and to process information associated with a customer payment receivable in forms including at least one of cash and a check to satisfy payment requirements of said customer selected transaction; and
a transaction processor, in communication with said agent processor and said provider web site, for receiving said customer selection from said agent processor and facilitating performance and completion of said customer selected transaction with said web site in response to said customer payment, said transaction processor including;
a transaction information module to examine said web site to determine information required by that web site to conduct said customer selected transaction; and
a transaction performance module to transmit said required information including payment information associated with a service provider to said particular web site in order for said service provider to tender payment for said customer in electronic form to complete said transaction with said web site. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A system to conduct transactions for a customer with a web site of a provider accepting payment for said transactions in electronic form, wherein a customer payment satisfying payment requirements of said transaction is receivable in forms including at least one of cash and a check at a remote site including an agent processor to receive a customer selection of a desired business transaction conducted in real time with said web site and to process information associated with said customer payment, said system comprising:
a transaction processor, in communication with said agent processor and said provider web site, for receiving said customer selection from said agent processor and facilitating performance and completion of said customer selected transaction with said web site in response to said customer payment, said transaction processor including;
a transaction information module to examine said web site to determine information required by that web site to conduct said customer selected transaction; and
a transaction performance module to transmit said required information including payment information associated with a service provider to said particular web site in order for said service provider to tender payment for said customer in electronic form to complete said transaction with said web site. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
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28. A method of conducting transactions for a customer with a web site of a provider accepting payment for said transactions in electronic form, wherein a customer payment satisfying payment requirements of said transaction is receivable in forms including at least one of cash and a check, said method comprising:
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(a) receiving at a remote site a customer selection of a desired business transaction via an agent processor and a customer payment for said transaction, wherein said transaction is conducted in real time with a web site of a particular provider accepting payment in electronic form and said customer payment is receivable in forms including at least one of cash and a check;
(b) performing and completing said customer selected transaction with said web site, via a transaction processor, in response to said customer payment, wherein step (b) further includes;
(b.1) examining said web site to determine information required by said web site to conduct said customer selected transaction; and
(b.2) transmitting said required information including payment information associated with a service provider to said particular web site in order for said service provider to tender payment for said customer in electronic form to complete said transaction with said web site. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41)
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Specification