Network topology for processing consumer financial transactions
First Claim
1. A network topology for efficient processing of consumer financial transactions, said network topology comprising:
- an intermediary database server adapted for the secure collection and selective conveyance of financial information in facilitation of consumer financial transactions, wherein;
said financial information comprises a credit purchaser'"'"'s financial account data and a transaction amount; and
said intermediary database server is programmed to provide the purchaser with a unique code upon provision by the purchaser of the purchaser'"'"'s financial account data and transaction amount;
a purchase gateway for accessing said intermediary database server for the provision by the purchaser, and collection by the intermediary database server, of the purchaser'"'"'s financial account data;
an activation gateway for the subsequent secure collection of said unique code and a beneficiary'"'"'s identifying information and redemption selection, wherein;
said identifying information takes the form of one of a predetermined set of media; and
said redemption selection is chosen from a predetermined set of choices; and
a payment gateway for secure conveyance by said intermediary database server to a third party of payment data, said third party being determined according to the beneficiary'"'"'s identifying information and redemption selection.
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Accused Products
Abstract
A network topology for efficient processing of consumer financial transactions includes an intermediary database server adapted for the secure collection and selective conveyance of financial information in facilitation of consumer financial transactions and a purchase gateway for accessing the intermediary database server for the provision by the purchaser of the purchaser'"'"'s financial account data and for providing in response a unique code; an activation gateway for the subsequent secure collection of said unique code and a beneficiary'"'"'s identifying information and redemption selection; and a payment gateway for secure conveyance by the intermediary database server to a third party of payment data, the third party being determined according to the beneficiary'"'"'s identifying information and redemption selection. The identifying information generally takes the form of one of a predetermined set of media and the redemption selection is generally chosen from a predetermined set of choices.
83 Citations
96 Claims
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1. A network topology for efficient processing of consumer financial transactions, said network topology comprising:
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an intermediary database server adapted for the secure collection and selective conveyance of financial information in facilitation of consumer financial transactions, wherein;
said financial information comprises a credit purchaser'"'"'s financial account data and a transaction amount; and
said intermediary database server is programmed to provide the purchaser with a unique code upon provision by the purchaser of the purchaser'"'"'s financial account data and transaction amount;
a purchase gateway for accessing said intermediary database server for the provision by the purchaser, and collection by the intermediary database server, of the purchaser'"'"'s financial account data;
an activation gateway for the subsequent secure collection of said unique code and a beneficiary'"'"'s identifying information and redemption selection, wherein;
said identifying information takes the form of one of a predetermined set of media; and
said redemption selection is chosen from a predetermined set of choices; and
a payment gateway for secure conveyance by said intermediary database server to a third party of payment data, said third party being determined according to the beneficiary'"'"'s identifying information and redemption selection. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96)
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Specification