Method of billing a purchase made over a computer network
First Claim
1. A method for controlling access to a service over a computer network, comprising:
- receiving a request over the computer network from a user to establish a communication between the user and the service;
receiving information over the computer network, the information being associated with the user;
accessing a database;
comparing the received information associated with the user with information stored in the database;
requesting billing information associated with the user when the received information associated with the user passes the comparison with the information stored in the database;
issuing an approval signal to enable establishment of the communication if the user passes the comparison, and a cost for the communication is determined to not exceed a predetermined credit limit for the user;
issuing a temporary block signal to temporarily block establishment of the communication if the user passes the comparison, but the cost for the communication is determined to exceed the predetermined credit limit for the user; and
establishing the communication between the user and the service over the computer network after the requested billing information associated with the user is received.
1 Assignment
0 Petitions
Accused Products
Abstract
A method of effecting a sale over a computer network in which it is determined whether a user passes fraud control before effecting a sale over a computer network. Information associated with a method of payment, such as credit card information, debit card information, checking account information, a telephone service account, a cable television account, a utility service account, or an Internet service provider account, is requested from the user after the user passes the fraud control. Information associated with the method of payment is received from the user in real time. Method-of-payment information is communicated to a payment authorization database, which can be located locally or remotely. The method-of-payment information includes the received information associated with the method of payment. Payment authorization information associated with the method of payment is received from the payment authorization database. A sale transaction is completed when the payment authorization information is affirmative. Sale charge information associated with the sale effected over the computer network is transmitted to the payment authorization database when the sale transaction is complete. The sale charge information includes information for charging the method of payment an amount representing a charge for the sale.
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Citations
30 Claims
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1. A method for controlling access to a service over a computer network, comprising:
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receiving a request over the computer network from a user to establish a communication between the user and the service; receiving information over the computer network, the information being associated with the user; accessing a database; comparing the received information associated with the user with information stored in the database; requesting billing information associated with the user when the received information associated with the user passes the comparison with the information stored in the database; issuing an approval signal to enable establishment of the communication if the user passes the comparison, and a cost for the communication is determined to not exceed a predetermined credit limit for the user; issuing a temporary block signal to temporarily block establishment of the communication if the user passes the comparison, but the cost for the communication is determined to exceed the predetermined credit limit for the user; and establishing the communication between the user and the service over the computer network after the requested billing information associated with the user is received. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method for controlling access to a service over a computer network, comprising:
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receiving a request over the computer network from a user to establish a communication between the user and the service; receiving information over the computer network, the information being associated with the user; accessing a database; comparing the received information associated with the user with information stored in the database; requesting information associated with a credit account if the received information associated with the user passes the comparison with the information stored in the database; issuing an approval signal to enable establishment of the communication if the user passes the comparison, and a cost for the communication is determined to not exceed a predetermined credit limit for the user; issuing a temporary block signal to temporarily block establishment of the communication if the user passes the comparison, but the cost for the communication is determined to exceed the predetermined credit limit for the user; and establishing the communication between the user and the service over the computer network after the requested information associated with a credit account is received. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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Specification