Method of billing a purchase made over a computer network
DCFirst Claim
1. A method for computerized fraud control for a transaction initiated over the Internet by a user at a user computer comprising:
- receiving, over a computer network, a transaction request at a fraud control system, wherein the fraud control system comprises one or more computers adapted to receive the transaction request, the transaction request comprising;
a method of payment,an account identifier,an amount of the transaction, andan Internet address associated with the user; and
evaluating, by at least one of the one or more computers of the fraud control system, the Internet address to determine whether the transaction may be fraudulent.
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Litigations
1 Petition
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 computerized fraud control for a transaction initiated over the Internet by a user at a user computer comprising:
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receiving, over a computer network, a transaction request at a fraud control system, wherein the fraud control system comprises one or more computers adapted to receive the transaction request, the transaction request comprising; a method of payment, an account identifier, an amount of the transaction, and an Internet address associated with the user; and evaluating, by at least one of the one or more computers of the fraud control system, the Internet address to determine whether the transaction may be fraudulent. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A computerized fraud control system for a transaction initiated over the Internet by a user at a user computer comprising:
a fraud control system adapted to receive, over a computer network, a transaction request, wherein the fraud control system comprises one or more computers, each including at least one processor, and the transaction request comprises; a method of payment, an account identifier, an amount of the transaction, and an Internet address associated with the user, wherein the fraud control system further evaluates, by at least one of the one or more computers, the Internet address to determine whether the transaction may be fraudulent. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
Specification