Transaction system and method

• US 20080005021A1
• Filed: 08/27/2007
• Published: 01/03/2008
• Est. Priority Date: 06/27/2000
• Status: Active Grant

• Current Assignee: Eric Saylors, Nicholas Brown
• Original Assignee: Eric Saylors, Nicholas Brown
• Inventors: Saylors, Eric, Brown, Nicholas
• Granted Patent: US 7,748,614 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A money management network including a money management network, a bank web site hosted by a bank, and a vendor web site hosted by a vendor. The bank web site is accessible by a bank/vendor customer. The vendor web site accessible by the bank/vendor customer. The bank web site has means for accepting authorization for a purchase transaction from the bank/vendor customer such that the authorization verifies the bank/vendor customer'"'"'s identification for the vendor. In one preferred embodiment the vendor receives authorization for a purchase without the vendor receiving customer account information from the bank/vendor customer; the bank, or the money management network.

Claims

1-2. -2. (canceled)

3. A network configured to permit at least one transaction comprising:

at least one customer having access to the network;

at least one information source linked to at least one network hub;

at the at least one information source, there being information associated with the information source and with the customer, and the information having an associated identifier;

wherein the network is configured such that the customer can request the transmission of the associated identifier from the information source to the network hub, and wherein the associated identifier is transmitted to the network hub; and

wherein within the network hub, the associated identifiers from at least two information sources are selectively linked, thus forming a connection between the associated information on the information sources such that at least one transaction involving at least two information sources and the customer are permitted.

4. The network of claim 3 wherein the associated identifier for a customer at one information source is identical to the associated identifier for the same customer at a second information source.

5. The network of claim 3 wherein at least one information source has at least one information source Web page providing internet access.

6. The network of claim 3 wherein the network hub has at least one network hub Web page providing internet access.

7. The network of claim 3 wherein the network is configured to permit a transaction such that one information source is the network hub.

8. The network of claim 3 further configured such that the associated identifiers are selectively link in a manner requested by the customer.

9. The network of claim 3 wherein the network is configured to permit at least one transaction from a first information source to a second information source such that:

at the first information source the customer can request the delivery of selected information to the network hub associated with a first associated identifier;

at the second information source the customer can request the receipt of the selected information from the network hub associated with a second associated identifier;

wherein, at the first information source, the selected information is transmitted to the network hub such that the selected information is associated with the first identifier, the first information source transmits the selected information to the network hubs on occurrence of at least one of the following;

(i) on the customer request of delivery of selected information;

(ii) on receipt of request from the network hub for delivery of selected information;

(iii) at a specified date/time as determined by the first information source and/or the network hub; and

,

(iv) other event as determined by the first information source; and

,

wherein, within the network hub, the second information source is identified as a destination for the selected information, wherein the selected information is transmitted to the second information source associated with the second identifier, the network hub transmits the selected information to the second information source on occurrence of at least one of the following;

(i) on receipt of selected information from first information source;

(ii) on receipt of request from the second information source for delivery of selected information;

(iii) at a specified date/time as determined by the network hub and/or the second information source; and

,

(iv) other event as determined by the network hub.

10. The network of claim 9 wherein the customer request of delivery of selected information allows for multiple future transactions delivering part or all of the selected information to the network hub.

11. The network of claim 9 wherein the customer request of receipt of selected information allows for multiple future transactions receiving part or all of the selected information from the network hub.

12. The network of claim 9 wherein the network is configured to permit a transaction such that one information source is the network hub.

13. The network of claim 9 wherein the network is configured to permit a transaction such that one information source is at least one Web page of the network hub.

14. A network hub operable to be linked to a network including at least two information sources, the network hub adapted to receive from each information source an identifier associated with customer information on the information source at the request of the customer, and the network hub operable to selectively link the identifiers thus forming a connection between the associated information on the information sources such that at least one transaction associated with at least two information sources and the customer is permitted.

16. The network hub of claim 14 further adapted such that one information source is the network hub.

15. The network hub of claim further adapted to receive selected information from a first information source associated with a first identifier, the network hub operable to identify a second information source as the destination for the selected information, and send the selected information to the second information source such that it is associated with a second identifier.

17. A method of permitting a transaction on a network, comprising:

at least one information source within the network, associating information with a customer and associating an identifier with the information;

the customer requesting the transmission of the identifier from the at least one information source to at least one network hub within the network, the information source transmitting the identifier to the network hub;

within the network hub, selectively linking the identifiers of at least two information sources to thereby permit at least one transaction associated with each of the information sources and the customer.

18. The method of claim 17 further comprising:

at a first information source, the customer requesting the delivery of selected information to the network hub, the first information source transmitting the selected information to the network hub such that the selected information is associated with a first identifier; and

,

within the network hub, identifying a second information source as a destination for the selected information, transmitting the selected information to the second information source associated with a second identifier.

19. The method of claim 18 wherein one information source is the network hub.

20. A first information source within a network, the first information source adapted to be linked to at least one network hub and wherein, at the first information source a first identifier is associated with first information that is associated with the customer, and on request of the customer the first information source is operable to transmit the first identifier to the network hub, the first identifier adapted to be linked with a second identifier within the network hub, the second identifier being associated with second information associated with the customer on a second information source, and wherein the linking of the first and second identifiers within the network hub enables a transaction between the first information source, the second information source and the customer.

21. The first information source of claim 20 wherein the customer can request delivery of selected information to the network hub, the first information source is operable to transmit the selected information associated with the first identifier to the network hub, the second information source identified as a destination for the selected information within the network hub, and wherein the selected information transmitted from the network hub to the second information source associated with the second identifier.

22. The first information source of claim 21 wherein one information source is the network hub.

23. The first information source of claim 20 wherein the customer can request receipt of selected information from the network hub, the first information source is operable to receive the selected information associated with the first identifier from the network hub, the first information source identified as a destination for the selected information from the second information source within the network hub, and wherein the selected information transmitted to the network hub from the second information source associated with the second identifier.

24. The first information source of claim 23 wherein one information source is the network hub.