On-line secured financial transaction system through electronic media

• US 5,729,594 A
• Filed: 06/07/1996
• Issued: 03/17/1998
• Est. Priority Date: 06/07/1996
• Status: Expired due to Fees

• Current Assignee: Edwin E. Klingman
• Original Assignee: Edwin E. Klingman
• Inventors: Klingman, Edwin E.
• Primary Examiner(s): Chan, Wing F.
• Application Number:
  US08/660,529
• Time in Patent Office: 648 Days
• Field of Search: 379/93.12, 379/91.01, 379/91.02, 379/93.02, 379/93.03, 379/93.04, 379/93.07, 395/201, 395/216-218, 395/226, 395/227, 395/238
• US Class Current: 379/93.12
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G07C 13/00 Voting apparatus
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215
• CPC Class Codes: H04L 67/14 Session management for real-time applications in data packet communications networks H04L65/1066
• CPC Class Codes: H04L 69/329 in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 Network security protocols

Abstract

A remote communication system for facilitating secure electronic purchases of goods in on-line, wherein a suitable local user input device in association with a data transmission system, couples the user input into a packet network system for communication to a remote receiver/decoder apparatus to TRY a potentially desired product. Upon selection of the desired product by the user, a telcom network link is used to communicate a telephone number associated with the desired product from the user to the remote receiver to allow the user to BUY the desired product. The telcom network used to link the user input device to the remote apparatus may also include a 900 number billing system for assessing and collecting fees for use of the system.

Claims

1. A method of establishing on-line secure financial transactions for purchasing goods through electronic media, said method comprising:

providing a local subsystem disposed at a local location accessible to a user and responsive to a user input;

providing a remote subsystem located at a remote location, said remote location having at least one identifiable product remotely selectable by the user;

establishing a first communication link between the local subsystem and the remote subsystem;

selecting at least one of said identifiable products through the first communication link;

retrieving through the first communication link a telephone toll number from a predetermined numbering system associated with the selected product;

using said retrieved telephone number to establish a telephone toll connection through a second communication link between the local subsystem and the remote subsystem; and

downloading the selected product through the second communication link from the remote subsystem to the local subsystem,

whereby during said downloading of the product a fee is assessed and charged at a rate determined by the toll connection provider.

2. A method as recited in claim 1, wherein the predetermined numbering system is a 900 numbering system.

3. A method as recited in claim 2, wherein said toll connection provider performs the accounting functions, billing functions, funds collection and distribution necessary for the conductance of legal business.

4. A method as recited in claim 3, wherein said second communication link is a direct link.

5. A method as recited in claim 4, wherein said first communication link is selected from the group consisting of POTS and ISDN, and second communication link is selected from the group consisting of POTS and ISDN.

6. A method as recited in claim 5, wherein upon selection of POTS, said first communication link is terminated prior to said step of establishing the second communication link and after said step of retrieving said toll number.

7. A method as recited in claim 6 and further comprising:

prior to said downloading step, retrieving through said first communication link product information and cost associated with the selected product;

transmitting said product information and cost via said second communication link to said remote subsystem; and

verifying the transmitted product information and cost to determine that the toll connection corresponding to the selected product has been established.

8. A method as recited in claim 7 and further comprising, after said step of transmitting said product information and cost and upon unsuccessful verification of the retrieved product information or cost, terminating said second communication link.

9. A method as recited in claim 1 wherein a third party performs the accounting functions, billing functions, funds collection and distribution necessary for the conductance of legal business.

10. A method as recited in claim 1 wherein said first communication link is selected from the group consisting of POTS and ISDN and said second communication link is selected from the group consisting of POTS and ISDN.

11. A method as recited in claim 1 and further comprising, upon selection of POTS and prior to said step of establishing the second communication link and after said step of selecting the product, terminating said first communication link.

12. A method as recited in claim 1, and further comprising:

prior to said downloading step, retrieving through said first communication link, product information or cost associated with the selected product;

transmitting said product information or cost via said second communication link to said remote subsystem; and

verifying the transmitted product information or cost to determine that the toll connection corresponding to the selected products has been established.

13. A method as recited in claim 12, wherein after said step of transmitting said product information or cost and upon unsuccessful verification of the product information or cost, terminating said second communication link.

14. A remote communication system for securing electronic purchases of digital information on-line comprising:

a local subsystem disposed at a local location and accessible to a user, said local subsystem being responsive to a user input and operative to generate communicative data corresponding thereto;

means establishing a first communication link for communicating said communicative data to a remote location;

a remote subsystem located at said remote location for receiving said communicative data and in response thereto transmitting a telephone toll number, product information or product cost associated with a product selected by the user back through said first communication link to said local subsystem;

means using the transmitted toll number to establish a second communication link between said local subsystem and said remote subsystem through which said selected product may be ordered;

said remote subsystem including

means for determining that the product ordered via said second communication link corresponds to said toll number; and

means for transferring the ordered product from said remote subsystem to said local subsystem through said second communication link.

15. A remote communication system as recited in claim 14 wherein the telephone toll number is from a 900 numbering system.

16. A remote communication system as recited in claim 15 wherein a third party performs the accounting functions, billing functions, funds collection and distribution necessary for the conductance of legal business.

17. A remote communication system as recited in claim 16 wherein said first communication link is selected from the group consisting of POTS and ISDN, and said second communication link is selected from the group consisting of POTS and ISDN.

18. A remote communication system as recited in claim 17 further including:

means for retrieving through said first communication link, product information or cost associated with the selected product;

means for transmitting said product information or cost via said second communication link to said remote subsystem; and

means for verifying said transmitted product information or cost to determine that the toll connection corresponding to the selected product has been established.

19. A remote communication system as recited in claim 18 further including means for terminating said second communication link upon unsuccessful verification of the retrieved product information or cost.

20. A remote communication system for securing electronic purchases of digital information on-line comprising:

a local subsystem disposed at a local location accessible to a user and responsive to a user input;

a remote subsystem located at a remote location, said remote subsystem having at least one identifiable product remotely selectable by the user;

means establishing a first communication link between the local subsystem and the remote subsystem through the Internet transmission media for selecting at least one of said identifiable products;

means for transmitting a telephone toll number associated with the selected product from said remote subsystem to said local subsystem;

means for retrieving said toll number through said first communication link;

means establishing a second communication link between the local subsystem and the remote subsystem through a telephone toll connection using said retrieved toll number;

means for downloading the selected product through said second communication link from the remote subsystem to the local subsystem, whereby a fee is assessed and charged for said downloading means based upon a rate determined by the toll connection provider.

21. A remote communication system as recited in claim 20 wherein said telephone toll number is selected from a 900 numbering system.

22. A remote communication system as recited in claim 21 wherein said first communication link is selected from the group consisting of POTS and ISDN, and said second communication link is selected from the group consisting of POTS and ISDN.