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System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce

  • US 5,963,924 A
  • Filed: 04/26/1996
  • Issued: 10/05/1999
  • Est. Priority Date: 04/26/1996
  • Status: Expired due to Term
First Claim
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1. A method for initiating payment for one or more goods or services by using a computer with an attached display connected to a network for receiving and transmitting network information, comprising the steps of:

  • (a) presenting on the display one or more payment instrument holders capable of holding a plurality of payment instruments;

    (b) selecting a payment instrument holder; and

    (c) utilizing one or more parameters in the selected payment instrument holder to select a default payment instrument for use in processing payment for the one or more goods or services via the network.

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