US2003195848A1PendingUtilityA1

Method of billing a purchase made over a computer network

63
Assignee: DAVID FELGERPriority: Jun 5, 1996Filed: Apr 25, 2003Published: Oct 16, 2003
Est. expiryJun 5, 2016(expired)· nominal 20-yr term from priority
Inventors:David Felger
G06Q 40/03G06Q 20/04H04M 15/47H04M 2203/6027G06Q 20/403G06Q 20/10H04M 3/38H04M 2215/0148G07F 7/08H04M 15/68G06Q 20/102H04M 3/42059G06Q 30/0637G06Q 30/0609G06Q 20/4037H04M 15/00H04M 3/42042H04M 3/56H04M 2242/22H04M 2215/22G06Q 20/40H04M 2215/0196H04L 12/14G06Q 20/12H04M 3/51G06Q 20/382
63
PatentIndex Score
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Cited by
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References
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Claims

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.

Claims

exact text as granted — not AI-modified
I claim:  
     
         1 . A method of effecting a sale over a computer network, the method comprising the steps of: 
 receiving a request from the computer network for a sale transaction;    requesting information associated with the user in response to the request for the sale transaction;    receiving information associated with the user;    verifying an identity of the user by comparing the received information associated with the user with user information stored in a database;    requesting information associated with a method of payment from a user when the identity of the user is verified;    receiving the information associated with the method of payment from the user; and    completing a sale transaction based on the received information associated with the method of payment.    
     
     
         2 . The method according to  claim 1 , further comprising the steps of: 
 communicating method-of-payment information to a payment authorization database, the method-of-payment information including the received information associated with the method of payment;    receiving payment authorization information associated with the method of payment from the payment authorization database; and    completing the sale transaction when the payment authorization information is affirmative.    
     
     
         3 . The method according to  claim 2 , further comprising the step of transmitting sale charge information associated with the sale effected over the computer network to the payment authorization database when the sale transaction is complete, the sale charge information including information for charging the method of payment an amount representing a charge for the sale.  
     
     
         4 . The method according to  claim 2 , wherein the payment authorization database is located locally.  
     
     
         5 . The method according to  claim 2 , wherein the payment authorization database is located at a remote site.  
     
     
         6 . The method according to  claim 2 , wherein the remote site is a banking institution.  
     
     
         7 . The method according to  claim 2 , wherein the remote site is a credit card agency.  
     
     
         8 . The method according to  claim 2 , wherein the received information associated with the method of payment includes credit card information.  
     
     
         9 . The method according to  claim 2 , wherein the received information associated with the method of payment includes debit card information.  
     
     
         10 . The method according to  claim 2 , wherein the received information associated with the method of payment includes checking account information.  
     
     
         11 . The method according to  claim 2 , wherein the received information associated with the method of payment includes electronic funds transfer information.  
     
     
         12 . The method according to  claim 2 , wherein the received information associated with the method of payment includes a telephone number.  
     
     
         13 . The method according to  claim 2 , wherein the received information associated with the method of payment relates to a cable television account.  
     
     
         14 . The method according to  claim 2 , wherein the received information associated with the method of payment relates to a utility service account.  
     
     
         15 . The method according to  claim 2 , wherein the received information associated with the method of payment relates to an Internet service provider account.  
     
     
         16 . The method according to  claim 2 , wherein the received information associated with the method of payment includes method of payment information selected by the user.  
     
     
         17 . The method according to  claim 1 , further comprising the step of limiting an amount of the sale based on a frequency of sales to the user during a predetermined period of time.  
     
     
         18 . The method according to  claim 1 , further comprising the step of limiting an amount of the sale based on an amount of money spent by the user during a predetermined period of time.  
     
     
         19 . The method according to  claim 1 , further comprising the step of blocking the sale based on an amount of money spent by the user during a predetermined period of time.  
     
     
         20 . The method according to  claim 1 , wherein the received information associated with the user includes a computer-network address for the user, 
 the method further comprising the step of blocking the sale based on a comparison of the computer-network address for the user with information stored in the database.    
     
     
         21 . The method according to  claim 1 , wherein the received information associated with the user includes a computer-network address for the user, 
 the method further comprising the step of limiting an amount of the sale based on a comparison of the computer-network address for the user with information stored in the database.    
     
     
         22 . The method according to  claim 1 , wherein the received information associated with the user includes an identification of the user, 
 the method further comprising the step of blocking the sale based on a comparison of the identification of the user with information stored in the database.    
     
     
         23 . The method according to  claim 1 , wherein the received information associated with the user includes an identification of the user, 
 the method further comprising the step of limiting an amount of the sale based on a comparison of the identification of the user with information stored in the database.    
     
     
         24 . The method according to  claim 1 , wherein the received information associated with the user relates to credit account information associated with the user, 
 the method further comprising the step of blocking the sale based on a comparison of the credit account information with information stored in the database.    
     
     
         25 . The method according to  claim 1 , wherein the received information associated with the user relates to credit account information associated with the user, 
 the method further comprising the step of limiting an amount of the sale based on a comparison of the credit account information with information stored in the database.    
     
     
         26 . The method according to  claim 1 , the received information associated with the user includes a billing address, 
 the method further comprising the step of blocking the sale based on a user billing address.    
     
     
         27 . The method according to  claim 1 , wherein the received information associated with the user includes a billing address; and 
 the method further comprising the step of limiting an amount of the sale based on a user billing address.    
     
     
         28 . The method according to  claim 1 , wherein the received information associated with the user includes personal information of the user; and 
 the method further comprising the step of blocking the sale based on personal information of the user.    
     
     
         29 . The method according to  claim 1 , wherein the received information associated with the user includes personal information of the user; and 
 the method further comprising the step of limiting an amount of the sale based on personal information of the user.    
     
     
         30 . A method of effecting a sale over a computer network, the method comprising the steps of: 
 receiving a request from the computer network for a sale transaction;    requesting information associated with the user in response to the request for the sale transaction;    receiving information associated with the user, said information being entered by said user using a keypad;    verifying an identity of the user by comparing the received information associated with the user with user information stored in a database;    requesting information associated with a method of payment from a user when the identity of the user is verified;    receiving the information associated with the method of payment from the user; and    completing a sale transaction based on the received information associated with the method of payment.    
     
     
         31 . The method of  claim 30 , wherein said information entered using said keypad is associated with a credit account of said user.

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