Multimedia transactional services

• US 8,037,158 B2
• Filed: 10/30/2007
• Issued: 10/11/2011
• Est. Priority Date: 11/13/1995
• Status: Expired due to Fees

• Current Assignee: Lakshmi Arunachalam
• Original Assignee: Pi-Net International Incorporated
• Inventors: Arunachalam, Lakshmi
• Primary Examiner(s): VU, VIET DUY
• Application Number:
  US11/980,185
• Publication Number:
  US 20080091801A1
• Time in Patent Office: 1,442 Days
• Field of Search: 709/217, 709/219, 709/223, 709/225, 709/227, 709/229, 709/250, 719/328, 719/329
• US Class Current: 709/219
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/0277 Online advertisement
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: H04L 41/18 Delegation of network management function, e.g. customer network management [CNM]
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 69/329 in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 Network security protocols

Abstract

The present invention provides a method and apparatus for providing real-time, two-way transactional capabilities on the Web. Specifically, one embodiment of the present invention discloses a method for enabling object routing, the method comprising the steps of creating a virtual information store containing information entries and attributes associating each of the information entries and the attributes with an object identity, and assigning a unique network address to each of the object identities. A method is also disclosed for enabling service management of the value-added network service, to perform OAM&P functions on the services network.

Claims

1. A method for performing a real time Web transaction from a Web application over a digital network atop the Web, the method comprising:

providing a Web page for display on a computer system coupled to an input device;

providing a point-of-service application as a selection within the Web page, wherein the point-of-service application provides access to both a checking and savings account, the point-of-service application operating in a service network atop the World Wide Web;

accepting a first signal from the Web user input device to select the point-of-service application;

accepting subsequent signals from the Web user input device; and

transferring funds from the checking account to the savings account in real-time utilizing a routed transactional data structure that is both complete and non-deferred, in addition to being specific to the point-of-service application, the routing occurring in response to the subsequent signals.

2. The method of claim 1, wherein an exchange over the Web is used to complete the transfer of funds in a Web application.

3. The method of claim 1, wherein a management agent is used to complete the transfer of funds in a Web application.

4. The method of claim 1, wherein object routing is used to complete the transfer of funds in a Web application.

5. The method of claim 4, wherein the object routing includes the use of a distributed on-line service information bases.

6. The method of claim 1, wherein a virtual information store is used to complete the transfer of funds.

7. The method of claim 6, wherein the virtual information store includes a networked object specific to a Web application in a Web transaction.

8. The method of claim 7, wherein the networked object is the object identity in a Web transaction connecting from a Web application on a Web page to a transactional application executing anywhere across the Web.

9. The method of claim 1, wherein the Web transaction is a loan requested from a lender across the Web from a Web application.

10. The method of claim 1, wherein the Web transaction is a vehicle purchased with bank financing across the Web from a Web application.

11. The method of claim 1, wherein the Web transaction is accessing an account across the Web from a Web application.