Secure online purchasing
First Claim
1. A method of purchasing online, comprising:
- a client device of a customer communicating a purchase selection, the purchase selection received by a vendor computer system, the vendor computer system in response communicating a cost of the purchase selection and a fund confirmation address, the cost and fund confirmation address received by the client device;
the client device communicating a payment authorization for the cost, the payment authorization received by a fund guardian, the fund guardian to confirm the availability of sufficient funds to pay the cost, the payment authorization also received by a billing system, the billing system suspending network access charges for the customer in response to receiving the payment authorization;
the client device communicating the fund confirmation address, the fund confirmation address received by the fund guardian; and
when sufficient funds are available to pay the cost, the fund guardian communicating a fund confirmation to the fund confirmation address without using the client device as an intermediary.
6 Assignments
0 Petitions
Accused Products
Abstract
In a method of purchasing online, a client device of a customer communicates a purchase selection which is received by a vendor computer system. The vendor computer system, in response, communicates a cost of the purchase selection and fund confirmation address to the client device. The client device communicating a payment authorization for the cost that is received by a fund guardian. The fund guardian confirms the availability of sufficient funds to pay the cost. The vendor computer system communicates a fund confirmation address which is received by the fund guardian. When sufficient funds are available to pay the cost, the fund guardian communicates a fund confirmation to the fund confirmation address.
54 Citations
45 Claims
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1. A method of purchasing online, comprising:
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a client device of a customer communicating a purchase selection, the purchase selection received by a vendor computer system, the vendor computer system in response communicating a cost of the purchase selection and a fund confirmation address, the cost and fund confirmation address received by the client device;
the client device communicating a payment authorization for the cost, the payment authorization received by a fund guardian, the fund guardian to confirm the availability of sufficient funds to pay the cost, the payment authorization also received by a billing system, the billing system suspending network access charges for the customer in response to receiving the payment authorization;
the client device communicating the fund confirmation address, the fund confirmation address received by the fund guardian; and
when sufficient funds are available to pay the cost, the fund guardian communicating a fund confirmation to the fund confirmation address without using the client device as an intermediary. - View Dependent Claims (2, 3, 4, 5, 6, 7, 32, 33)
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8. A method of purchasing online, comprising:
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a client device of a customer communicating a purchase selection, the purchase selection received by a vendor computer system, the vendor computer system in response communicating a cost of the purchase selection and a fund confirmation address, the cost and fund confirmation address received by the client device;
the client device communicating a payment authorization for the cost of the purchase selection, the payment authorization received by a fund guardian, the fund guardian to confirm the availability of sufficient funds to pay the cost, the payment authorization also received by a billing system, the billing system suspending network access charges for the customer in response to receiving the payment authorization;
the client device communicating the fund confirmation address, the fund confirmation address received by the fund guardian; and
when sufficient funds are available to pay the cost, the fund guardian communicating a fund confirmation to the fund confirmation address. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method of transacting online, comprising:
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communicating a purchase selection to a vendor computer system;
receiving from the vendor computer system a cost of the purchase selection and a fund confirmation address;
communicating the fund confirmation address and a payment authorization for the cost of the purchase selection to a fund guardian;
communicating the payment authorization for the cost of the purchase selection to a billing system; and
with the billing system, suspending network access charges in response to receiving the payment authorization. - View Dependent Claims (16)
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17. A method of transacting online, comprising:
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communicating a purchase selection to a vendor computer system;
receiving from the vendor computer system a cost of the purchase selection and a fund confirmation address;
communicating a payment authorization for the cost of the purchase selection to a billing system, and with the billing system, suspending network access charges in response to receiving the payment authorization. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
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25. A method of transacting online, comprising:
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receiving a purchase selection, the purchase selection communicated by a client device;
in response to receiving the purchase selection, communicating to the client device a cost of the purchase selection and a fund confirmation address for subsequent communication by the client device to a fund guardian for a user of the client device;
receiving by a billing system an indication of the purchase selection, the indication of the purchase selection communicated by a client device;
with the billing system, suspending network access charges in response to receiving the indication of the purchase selection;
receiving at the fund confirmation address a fund confirmation for the cost of the purchase selection; and
enabling a download by the client device in response to receiving the fund confirmation. - View Dependent Claims (26, 27, 28, 29)
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30. A method of transacting online, comprising:
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communicating a purchase selection for receipt by a vendor computer system;
receiving a cost of the purchase selection, the cost communicated by the vendor computer system;
communicating an indication of the purchase selection for receipt by a billing system; and
with the billing system, suspending network access charges in response to receiving the indication of the purchase selection. - View Dependent Claims (31, 34, 35, 36, 37, 38)
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39. A method of transacting online, comprising:
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communicating a purchase selection for receipt by a vendor computer system;
receiving a cost of the purchase selection and a fund confirmation address, the cost and the fund confirmation address communicated by the vendor computer system;
for receipt by a fund guardian, communicating the fund confirmation address and a payment authorization for the cost of the purchase selection communicating the payment authorization for the cost of the purchase selection to a billing system; and
with the billing system, suspending network access charges in response to receiving the payment authorization. - View Dependent Claims (40, 41, 42, 43, 44, 45)
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Specification