Digital active advertising

  • US 6,195,649 B1
  • Filed: 03/02/1998
  • Issued: 02/27/2001
  • Est. Priority Date: 12/16/1993
  • Status: Expired due to Term
First Claim
Patent Images

1. An open network sales system providing for real-time authorization of purchase transactions, comprising:

  • a plurality of buyer computers; and

    a plurality of merchant computers;

    the plurality of buyer computers and the plurality of merchant computers being interconnected by a public packet switched communications network;

    each of the buyer computers being programmed to transmit a purchase message, in response to a user request, over the public packet switched communications network to at least one of the merchant computers and to cause a payment request, comprising a payment amount, to be transmitted over the public packet switched communications network into a payment system, in order to initiate generation by the payment system of an authorization message authorizing purchase of a product having real monetary value;

    at least one of the merchant computers being programmed to receive at least one of the purchase message and the authorization message, and to cause the product to be sent to a party conditioned on the purchase transaction having been authorized in real time, based on an external credit card account or an external demand deposit account having sufficient credit or funds of real monetary value available to a principal making the payment, without the merchant computer receiving the number of the external credit card account or the number of the external demand deposit account;

    the at least one message received by the merchant computer comprising at least one digital signature of components that include components derived from the at least one message, at least one of which digital signatures protects the at least one message from forgery, including authenticating an identity of an originator of the at least one message, and at least one of which digital signatures is computed based on a secret key specific to the payment system;

    the at least one message received by the merchant computer being configured such that the merchant computer cannot compute therefrom the number of the external credit card account or of the external demand deposit account.

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