System for securing commercial transactions conducted on-line
First Claim
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1. A system for securing on-line commercial transactions, comprising:
- a. means for conducting a commercial transaction on-line between a purchaser and an electronic retailer;
b. a single-action component that in response to only a single action being performed by said purchaser, submits a request to secure said commercial transaction along with information about said commercial transaction to an insurance provider'"'"'s server, calculates an additional amount which said purchaser has to pay to secure said commercial transaction, and displays a total amount due from said purchaser for a secured commercial transaction; and
c. means for sending to said purchaser a certificate of financial guarantee in response to said purchaser'"'"'s agreeing to pay said total amount due for said secured transaction.
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Abstract
The invention is an on-line business method which will enable on-line retailers to offer the following on-line financial guarantee services to their customers: the financial guarantee of a secure credit card transaction; the financial guarantee of a genuine product at the advertised purchase price; the financial guarantee of the delivery and return policy of the item being purchased; and the financial guarantee that the implied or specific warranty of the item purchased will be honored. All of the above services are offered as a one-click point of sale solution.
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Citations
15 Claims
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1. A system for securing on-line commercial transactions, comprising:
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a. means for conducting a commercial transaction on-line between a purchaser and an electronic retailer;
b. a single-action component that in response to only a single action being performed by said purchaser, submits a request to secure said commercial transaction along with information about said commercial transaction to an insurance provider'"'"'s server, calculates an additional amount which said purchaser has to pay to secure said commercial transaction, and displays a total amount due from said purchaser for a secured commercial transaction; and
c. means for sending to said purchaser a certificate of financial guarantee in response to said purchaser'"'"'s agreeing to pay said total amount due for said secured transaction. - View Dependent Claims (2, 3)
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4. A method for securing commercial transactions conducted on-line, comprising the steps of:
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a. conducting a commercial transaction on-line between a purchaser and an electronic retailer;
b. in response to only a single action being performed by said purchaser, submitting a request to secure said commercial transaction along with information about said commercial transaction to an insurance provider'"'"'s server, calculating an additional amount which said purchaser has to pay to secure said commercial transaction, and displaying a total amount due from said purchaser for a secured commercial transaction; and
c. in response to said purchaser'"'"'s agreeing to pay said total amount due for said secured transaction, sending to said purchaser a certificate of financial guarantee. - View Dependent Claims (5, 6, 7)
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8. A system for providing a financially secured transaction on-line, comprising:
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a. an electronic retailer'"'"'s website, said retailer'"'"'s website is configured to present to a purchaser information about a product selected by said purchaser;
b. an insurance provider'"'"'s server, further comprising a storage server, said storage server being configured to store data about said financially secured transaction, and an e-mail server, said e-mail server being configured to send to said purchaser an e-mail containing a certificate of financial guarantee;
c. means for calculating an amount which said purchaser has to pay to secure purchase of said selected product; and
d. means for billing said purchaser for said financially secured transaction. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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Specification