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Online purchasing method

  • US 8,041,606 B2
  • Filed: 11/15/2001
  • Issued: 10/18/2011
  • Est. Priority Date: 02/29/2000
  • Status: Expired due to Fees
First Claim
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1. A method for authorizing an online purchase between a customer and a vendor site, the method comprising steps of:

  • at a funds transaction server, receiving transaction information from the vendor site, wherein the transaction information comprises a transaction amount;

    opening a pop-up window for the customer;

    from the funds transfer sever, interacting with the pop-up window to present a transaction amount in the pop-up window and receiving customer assent to the transaction amount;

    receiving authorization from the customer of a debit for the transaction amount, wherein the debit corresponds to the online purchase;

    notifying the vendor site of authorization;

    providing a digital IOU to the vendor;

    receiving a redemption request of the digital IOU; and

    transferring funds, in response to the redemption request, from a purchaser account to a vendor account.

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