METHOD OF BILLING A PURCHASE MADE OVER A COMPUTER NETWORK
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Accused Products
Abstract
A method of effecting a sale over a computer network in which it is determined whether a user passes fraud control before effecting a sale over a computer network. Information associated with a method of payment, such as credit card information, debit card information, checking account information, a telephone service account, a cable television account, a utility service account, or an Internet service provider account, is requested from the user after the user passes the fraud control. Information associated with the method of payment is received from the user in real time. Method-of-payment information is communicated to a payment authorization database, which can be located locally or remotely. The method-of-payment information includes the received information associated with the method of payment. Payment authorization information associated with the method of payment is received from the payment authorization database. A sale transaction is completed when the payment authorization information is affirmative. Sale charge information associated with the sale effected over the computer network is transmitted to the payment authorization database when the sale transaction is complete. The sale charge information includes information for charging the method of payment an amount representing a charge for the sale.
26 Citations
61 Claims
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1-31. -31. (canceled)
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32. A method, comprising:
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receiving a communication session request from a user computer over the Internet, the communication session request including Internet address information associated with a user that has been forwarded with the communication session request, the Internet address information related to an Internet address from where the communication session request was requested; receiving a unique identification from the user computer over the Internet, wherein the unique identification information is stored in a cookie on the user computer; comparing, by at least one computer, the unique identification and the Internet address information to stored information associated with the user; generating a result of the comparison; and allowing the communication session request to proceed when the unique identification and the Internet address information compare favorably to the stored information associated with the user. - View Dependent Claims (33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51)
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52. A method, comprising:
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receiving a transaction request from a user computer over the Internet, the transaction request including Internet address information associated with a user that has been forwarded with the transaction request, the Internet address information related to an Internet address from where the transaction request was requested; receiving a unique identification from the user computer over the Internet, the unique identification information stored in a cookie on the user computer; comparing, by at least one computer, the unique identification and the Internet address information to stored information associated with the user; generating a result of the comparison; and allowing the transaction request to proceed when the unique identification and the Internet address information compare favorably to the stored information associated with the user. - View Dependent Claims (53, 54, 55, 56, 57, 58, 59)
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60. A system comprising:
one or more server computers, the one or more server computers; receiving a transaction request from a user computer over the Internet, the transaction request including Internet address information associated with a user that has been forwarded with the transaction request, the Internet address information related to an Internet address from where the transaction request was requested; receiving a unique identification from the user computer over the Internet, the unique identification information stored in a cookie on the user computer; comparing, by at least one computer in the one or more server computers, the unique identification and the Internet address information to stored information associated with the user; generating a result of the comparison; and allowing the transaction request to proceed when the unique identification and the Internet address information compare favorably to the stored information associated with the user. - View Dependent Claims (61)
Specification