System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce
First Claim
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.
8 Assignments
0 Petitions
Accused Products
Abstract
An electronic monetary system provides for transactions utilizing an electronic-monetary system that emulates a wallet or a purse that is customarily used for keeping money, credit cards and other forms of payment organized. Access to the instruments in the wallet or purse is restricted by a password to avoid unauthorized payments. An appropriate indicia such as color, an icon or other information associated with the display screen will be used to communicate security authorization for a particular instrument, payment instrument or payment instrument holder. When access is authorized, a graphical representation of the payment instruments is presented on the display to enable a user to select a payment method of their choice. Once a payment instrument is selected, a summary of the goods for purchase are presented to the user and the user enters their electronic approval for the transaction or cancels the transaction. Electronic approval results in the generation of an electronic transaction to complete the order.
769 Citations
65 Claims
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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:
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(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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. An apparatus for initiating payment for one or more goods or services by using a computer under the control of software, with an attached display and input device, connected to a network for receiving and transmitting network information, comprising:
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(a) the computer under the control of software presenting on the display one or more payment instrument holders capable of holding a plurality of payment instruments; (b) an input device under the control of the computer under the control of software selecting a payment instrument holder; and (c) the computer under the control of software 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. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A computer program embodied on a computer-readable medium 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:
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(a) a code segment for presenting one or more payment instrument holders capable of holding a plurality of payment instruments; (b) a code segment for selecting a payment instrument holder; and (c) a code segment for 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. - View Dependent Claims (38, 39, 40, 41, 42, 43, 44)
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45. 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:
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(a) initiating payment processing; (b) responding to the payment processing initiation by selecting a payment instrument utilizing one or more predefined default settings stored after a recent payment processing; and (c) utilizing the one or more predefined default settings in the payment processing.
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46. 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:
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(a) presenting one or more payment instrument holders with a closed indicia wherein each of said one or more payment instrument holders is associated with one or more payment instruments; (b) selecting a payment instrument holder and prompting for entry of a password to enable use of the selected payment instrument holder; and (c) displaying the selected payment instrument holder with an open indicia to initiate payment for the goods or services via the network. - View Dependent Claims (47, 48, 49, 50, 51, 52, 53, 54, 55, 56)
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57. An apparatus for initiating payment for goods or services by using a computer under the control of software with an attached display and an input device connected to a network for receiving and transmitting network information, comprising:
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(a) said computer under the control of software presenting one or more payment instrument holders with a closed indicia on said display wherein each of said one or more payment instrument holders is associated with one or more payment instruments; (b) said computer under the control of software controlling an input device and responding to selection of a payment instrument holder by prompting for entry of a password on said display to check for authorized use of the selected payment instrument holder; and (c) said computer under the control of software displaying the selected payment instrument holder with an open indicia on said display to initiate payment for the goods or services via the network. - View Dependent Claims (58, 59, 60, 61, 62, 63)
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64. A computer program embodied on a computer-readable medium for initiating payment for goods or services by using a computer with an attached display connected to a network for receiving and transmitting network information, comprising:
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(a) a code segment for presenting one or more payment instrument holders with a closed indicia wherein said one or more payment instrument holders is associated with one or more payment instruments; (b) a code segment for selecting a payment instrument holder and prompting for entry of a password to enable use of the particular payment instrument holder; and (c) a code segment for displaying the selected payment instrument holder with an open indicia to initiate payment for the goods or services via the network. - View Dependent Claims (65)
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Specification