Method and apparatus for completing, securing and conducting an E-commerce transaction
First Claim
1. A method of processing profile information of a user for conducting an on-line transaction between the user and a vendor, comprising the steps of:
- entering profile information of a user into a profile form at a user location disposed on a network prior to conduction of an on-line transaction between the user and the vendor, the vendor disposed at a vendor location on the network;
issuing to the user a unique code representing stored profile information of the user in response to the user transmitting the profile form from the user location to a second location on the network for storage thereat, the second location disposed on the network;
initiating an on-line transaction by selecting a product of the vendor at a user location;
after selecting the product, providing to the vendor location by the user the unique code for purchase of the product, during the on-line transaction, which on-line transaction requires the user to view a vendor payment form at the user location representing information about the transaction, and which vendor payment form includes fields that are associated with information obtainable from the stored profile information of the user and which must be viewed by the user prior to completion of the on-line transaction;
providing the stored profile information from the second location to the vendor location in response to the vendor location receiving and processing the unique code; and
automatically inserting by the vendor at least a portion of the stored profile information of the user into the vendor payment form for respective associated fields therein for presentation to the user at the user location after such insertion such that, when the user receives the form for viewing, such insertion has already occurred, such that the user has not viewed the form other than with already populated certain fields prior to reception, and wherein said vendor location receives said profile information from said second location in response to said vendor location transmitting said unique code to said second location.
13 Assignments
0 Petitions
Accused Products
Abstract
A method of conducting and on-line transaction. A user at a PC (302) of a first location completes a profile information sheet and transmits it across a secure network (2708) to a central registration server (2704) at a second location also disposed on the network (306). The central registration server (2704) transmits a unique bar code and associated unique ID back to the user PC (302) at the first location, in response to the user sending the completed profile information sheet to the registration server (2704). When the user accesses a vendor server (2700) disposed on the network (306) for the purchase of products and/or services, the user transmits the bar code to the vendor server (2700) when prompted to complete a vendor payment form. The vendor server (2700) sends the bar code to the central registration server (2704) where the bar code is matched to the user profile information. The profile information is returned to the vendor server (2700) and automatically inserted into the vendor payment form. The vendor server then processes the transaction according to the credit information provided. Some or all fields of the vendor payment form are inserted with encoded information depending upon the user selecting a standard or invisible mode of payment, respectively. The payment form is then presented to the user at the user PC (302) for acceptance or rejection of the transaction.
212 Citations
27 Claims
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1. A method of processing profile information of a user for conducting an on-line transaction between the user and a vendor, comprising the steps of:
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entering profile information of a user into a profile form at a user location disposed on a network prior to conduction of an on-line transaction between the user and the vendor, the vendor disposed at a vendor location on the network; issuing to the user a unique code representing stored profile information of the user in response to the user transmitting the profile form from the user location to a second location on the network for storage thereat, the second location disposed on the network; initiating an on-line transaction by selecting a product of the vendor at a user location; after selecting the product, providing to the vendor location by the user the unique code for purchase of the product, during the on-line transaction, which on-line transaction requires the user to view a vendor payment form at the user location representing information about the transaction, and which vendor payment form includes fields that are associated with information obtainable from the stored profile information of the user and which must be viewed by the user prior to completion of the on-line transaction; providing the stored profile information from the second location to the vendor location in response to the vendor location receiving and processing the unique code; and automatically inserting by the vendor at least a portion of the stored profile information of the user into the vendor payment form for respective associated fields therein for presentation to the user at the user location after such insertion such that, when the user receives the form for viewing, such insertion has already occurred, such that the user has not viewed the form other than with already populated certain fields prior to reception, and wherein said vendor location receives said profile information from said second location in response to said vendor location transmitting said unique code to said second location. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 26)
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13. A system for processing profile information of a user for conducting an on-line transaction between the user and a vendor, comprising;
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profile information of a user entered into a profile form at a user location disposed on a network prior to conduction of an on-line transaction between the user and the vendor, the vendor disposed at a vendor location on the network; a unique code representing stored profile information of the user issued to the user in response to said user transmitting said profile form from said user location to a second location on the network for storage thereat, said second location disposed on said network; wherein said unique code is provided to the vendor location by the user for purchase of a product of the vendor after the user has viewed and made a selection of the product, during the on-line transaction, which on-line transaction requires the user to view a vendor payment form at the user location representing information about the transaction, and which vendor payment form includes fields that are associated with information obtainable from the stored profile information of the user and which must be viewed by the user prior to completion of the on-line transaction; wherein said profile information is provided from said second location to said vendor location in response to said vendor location processing said unique code; and wherein at least a portion of said stored profile information of the user is automatically inserted into said vendor payment form by the vendor for respective associated fields therein for presentation to said user at the user location after such insertion such that, when the user receives the form for viewing, such insertion has already occurred, such that the user has not viewed the form other than with already populated certain fields prior to reception, and wherein said vendor location receives said profile information from said second location in response to said vendor location transmitting said unique code to said second location. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 27)
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Specification