Non-Patent Literature 
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KR Prior Art | Ground | Reference | Owner of the Reference | Title | Semantic Mapping | Basis | Anticipation | Challenged Claims | ||||||||||||
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| 1 | SCIENCE OF COMPUTER PROGRAMMING. 21 (2): 93-113 OCT 1993 (Abadi, 1993) | Digital Equipment Corporation (DEC) | AUTHENTICATION AND DELEGATION WITH SMART-CARDS | ▪ user account, user ID ≈ mutual authentication ▪ electronic commerce, electronic commerce system ≈ when users | X | X | |||||||||||||
| 2 | LECTURE NOTES IN COMPUTER SCIENCE. 526: 326-345 1991 (Abadi, 1991) | Digital Equipment Corporation (DEC) | AUTHENTICATION AND DELEGATION WITH SMART-CARDS | ▪ user account, user ID ≈ mutual authentication ▪ electronic commerce, electronic commerce system ≈ when users | X | X | |||||||||||||
| 3 | 1997 IEEE AEROSPACE CONFERENCE PROCEEDINGS, VOL 4. : 159-170 1997 (Kesterson, 1997) | Bull HN Information Systems Inc | Digital Signatures - Whom Do You Trust? | ▪ different service, different service provider ≈ public key cryptography ▪ electronic commerce, electronic commerce system ≈ electronic commerce | X | X | X | ||||||||||||
| 4 | COMPUTER NETWORKS AND ISDN SYSTEMS. 28 (7-11): 1197-1206 MAY 1996 (Pays, 1996) | GC Tech SA. | An Intermediation And Payment System Technology | ▪ multiple service providers ≈ financial instruments ▪ electronic commerce, electronic commerce system ≈ electronic commerce | X | X | |||||||||||||
| 5 | INTERNET RESEARCH-ELECTRONIC NETWORKING APPLICATIONS AND POLICY. 5 (2): 25-& 1995 (Nelson, 1995) | NASA - National Aeronautics and Space Administration, Smithsonian Astrophysical Observatory | THE NASA TECHNICAL REPORT SERVER | ▪ electronic commerce ≈ based information ▪ web site ≈ Wide Web | X | X | X | X | |||||||||||
| 6 | COMPUTER. 26 (9): 25-35 SEP 1993 (Schwartz, 1993) | University of Colorado Boulder | INTERNET RESOURCE DISCOVERY AT THE UNIVERSITY-OF-COLORADO | ▪ multiple service, multiple service providers ≈ network services ▪ different service ≈ assisting users | X | X | X | X | |||||||||||
| 7 | US20020038255A1 (Martin Tarvydas, 2002) | (Original Assignee) InfoSpace Inc (Current Assignee) Liberty Peak Ventures LLC | Universal shopping cart and order injection system | ▪ vendor computer ≈ network interface, face component ▪ different service, multiple service ≈ Web site | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches wherein the predetermined location verification criteria includes criteria and the location verification… ▪ teaches a system and method for allowing searching of products from multiple venders and grouping products according… ▪ discloses an apparatus comprising a processor a communication port coupled to the processor and a storage device… ▪ teaches determining one or more payees that arrange payment terms for the products see… | X | X | X | X | X | X | |||||||
| 8 | US20010011236A1 (Allyn Shell, 2001) | (Original Assignee) Shell Allyn M. | Multi-level marketing computer network server | ▪ credit cards, service providers using credit cards ≈ card information, credit card ▪ service provider accounts ≈ personal data | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a similar method for tracking referrals that further discloses sending the referral data to a third party… ▪ teaches that making donations to charity in the name of employees is a common way to motivate employees… ▪ discloses a code generator wherein the code is made up of an issue code merchant code and an id concatenated together… ▪ teaches the use of a stylus for inputting information into a device in column… | X | ||||||||||||
| 9 | JP2002216020A (Michiaki Tomioka, 2002) | (Original Assignee) Michiaki Tomioka; 道明 富岡 | オンラインモールシステム及びオンラインモールのショップサイト更新方法並びにオンラインモールのショップサイト更新用プログラム | ▪ user device ≈ システム, データ ▪ different service provider ≈ 情報送信 ▪ multiple service providers ≈ ネットワ | X | X | X | X | X | ||||||||||
| 10 | JP2002133324A (Atsushi Fukumoto, 2002) | (Original Assignee) Toshiba Corp; 株式会社東芝 | ユーザ情報管理装置、ユーザ情報管理方法及び電子サービスシステム | ▪ multiple service providers ≈ データベース, ネットワ ▪ electronic commerce, user ID ≈ 課金処理 ▪ different service provider ≈ 情報送信 ▪ service provider accounts ≈ 識別子 | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches a system and a method of an electronic device authenticating a peripheral battery accessory utilizing a single… ▪ discloses wherein one or more access requirements are related to at least one of a citizenship status of the access… ▪ teaches the encoding of HTTP and XML documents which are represented in text numerals andor ASCII such data is parsed… ▪ teaches key information used to form each respective encryption key comprises noisy information… | X | X | X | X | |||||||||
| 11 | JP2002063431A (Shinichi Kojima, 2002) | (Original Assignee) Tokyo Electric Power Co Inc:The; 東京電力株式会社 | ネットワークを介したショッピングシステム | ▪ user device ≈ システム ▪ purchase price ≈ の購入 | X | X | |||||||||||||
| 12 | JP2002056315A (Tomoko Nanba, 2002) | (Original Assignee) Dna:Kk; 株式会社 ディー・エヌ・エー | 電子商取引方法及びそれを用いたサービス提供システム | ▪ other service, service provider ≈ サービス提供 ▪ electronic commerce, electronic commerce system ≈ 電子商取引 ▪ user device ≈ システム ▪ multiple service providers ≈ ネットワ | X | X | X | X | X | X | X | X | |||||||
| 13 | JP2001312774A (Koichi Okuda, 2001) | (Original Assignee) Canon Inc; キヤノン株式会社 | 課金管理装置、課金管理システム、課金管理方法、及び記憶媒体 | ▪ user device ≈ システム ▪ multiple service providers ≈ ネットワ ▪ credit cards ≈ 金融機関 | X | X | X | ||||||||||||
| 14 | JP2001265972A (Kenji Miyoshino, 2001) | (Original Assignee) Dds:Kk; Rm Associates:Kk; 有限会社 アール・エム・アソシェイツ; 株式会社ディー・ディー・エス | インターネット上の取引でのエージェントシステム | ▪ web site ≈ ウェブサイト ▪ user attempts to purchase products ≈ エージェント ▪ user device ≈ システム ▪ purchase price ≈ の購入 ▪ credit cards ≈ カード | X | X | X | X | X | X | |||||||||
| 15 | US6085176A (Thomas G. Woolston, 2000) | (Original Assignee) MercExchange LLC (Current Assignee) eBay Inc ; MercExchange Va LLC | Method and apparatus for using search agents to search plurality of markets for items | ▪ vendor computer ≈ network interface ▪ credit card service charge fees ≈ storage device | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a system and method for allowing searching of products from multiple venders and grouping products according… ▪ discloses an apparatus comprising a processor a communication port coupled to the processor and a storage device… ▪ discloses a computer readable storage medium storing instructions that when executed cause a processor to perform a… ▪ discloses a system and method which can be applied to online auctions in which the seller database may also include a of… | X | X | X | X | |||||||||
| 16 | US6202051B1 (Thomas G. Woolston, 2001) | (Original Assignee) Merc Exchange LLC (Current Assignee) eBay Inc ; Merc Exchange LLC | Facilitating internet commerce through internetworked auctions | ▪ vendor ID ≈ unique identification ▪ credit card service charge fees, user account ≈ debit card, related items ▪ product purchase, purchase price ≈ binding offer, sales price ▪ communications network ≈ represents a | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a system and method for allowing searching of products from multiple venders and grouping products according… ▪ discloses an apparatus comprising a processor a communication port coupled to the processor and a storage device… ▪ discloses a computer readable storage medium storing instructions that when executed cause a processor to perform a… ▪ discloses a system and method which can be applied to online auctions in which the seller database may also include a of… | X | X | X | X | X | X | X | ||||||
| 17 | US6266651B1 (Thomas G. Woolston, 2001) | (Original Assignee) MercExchange Va LLC (Current Assignee) eBay Inc | Facilitating electronic commerce through two-tiered electronic markets and auctions | ▪ electronic commerce, electronic commerce system ≈ electronic commerce ▪ user attempts to purchase products ≈ data record | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a system and method for allowing searching of products from multiple venders and grouping products according… ▪ discloses an apparatus comprising a processor a communication port coupled to the processor and a storage device… ▪ discloses a computer readable storage medium storing instructions that when executed cause a processor to perform a… ▪ discloses a system and method which can be applied to online auctions in which the seller database may also include a of… | X | X | |||||||||||
| 18 | EP0844577A2 (Allyn M. Shell, 1998) | (Original Assignee) Allyn M. Shell | Multi-level marketing computer network server | ▪ credit cards, service providers using credit cards ≈ card information, credit card ▪ service provider accounts ≈ personal data | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a similar method for tracking referrals that further discloses sending the referral data to a third party… ▪ teaches that making donations to charity in the name of employees is a common way to motivate employees… ▪ discloses a code generator wherein the code is made up of an issue code merchant code and an id concatenated together… ▪ teaches the use of a stylus for inputting information into a device in column… | X | ||||||||||||
| 19 | US5710887A (Raman Chelliah, 1998) | (Original Assignee) Broadvision (Current Assignee) Broadvision | Computer system and method for electronic commerce | ▪ purchase price, service providers make purchases ≈ associated item ▪ product purchase ≈ customer site | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses an electronic commercial transaction system interactive market management system for selectively enabling… ▪ teaches a coupon sent to a user via email if possible column… ▪ teaches the network device is a computer and is rejected for the same reason recited in claim… ▪ discloses a method for permitting users at remote sites to conduct business transactions and communicate with databases… | X | X | X | ||||||||||
| 20 | JP2002092355A (Kenji Hisatomi, 2002) | (Original Assignee) Matsushita Electric Ind Co Ltd; 松下電器産業株式会社 | ウェブプリントシステム及びその課金方法 | ▪ purchase price ≈ 広告主 ▪ bridge computer to settle accounts ≈ コスト | X | X | |||||||||||||
| 21 | JP2002049805A (Isao Sugiyago, 2002) | (Original Assignee) Isao Sugiyago; 勲 杉八合 | ネットマーケットシステム | ▪ user account ≈ トラフィック制御 ▪ multiple service providers ≈ データベース, ネットワ ▪ vendor computer, service provider computer ≈ パーソナル ▪ electronic commerce, user ID ≈ 課金処理 ▪ credit card service charge fees ≈ 携帯電話 ▪ electronic commerce system ≈ モニタ | X | X | X | X | X | X | |||||||||
| 22 | CA2406001A1 (Emily Chien, 2001) | (Original Assignee) American Express Travel Related Services Company, Inc.; Emily Chien; Patricia G. Sanchez; Daniela M. Saunders; Jill Kudysch Wiseman; C. R. Balagopal; Al Kinderkrecht; Jon W. Parson; Ray Preston (Current Assignee) American Express Travel Related Services Co Inc | A system and method for using loyalty points | ▪ credit cards ≈ transaction card ▪ bridge computer ≈ server system ▪ different service, web site ≈ web site | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches wherein the information comprises a of accumulated cash associated with a rewards account see… ▪ discloses a method for tracking and converting loyalty points as in… ▪ discloses authenticating means for authenticating said other information processing apparatus with which communication… ▪ teaches that in the healthcare industry it is well known and common for health care products and services to be… | X | X | X | X | X | X | X | X | X | X | X | X | |
| 23 | JP2002207898A (Hiroshi Yamamoto, 2002) | (Original Assignee) Woodheart:Kk; 株式会社 ウッドハート | 翻訳送信システム | ▪ user device ≈ システム ▪ purchase price ≈ ある商品 ▪ multiple service providers ≈ ネットワ ▪ service providers ≈ 依頼者 | X | X | X | X | X | X | X | ||||||||
| 24 | JP2001216441A (Marvin T Ling, 2001) | (Original Assignee) Gtx Corp; ジーティーエックス・コーポレーション | 電子トークンを用いて電子商取引を実行する方法 | ▪ electronic commerce, electronic commerce system ≈ 電子商取引 ▪ vendor computer ≈ ベンダ | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a transaction card applied to payment of postal services see… ▪ discloses a of ways in which bill pay service payments were functioning at the time of… ▪ discloses a method for electronic merchandise dispute resolution… ▪ discloses initiating a second transfer between the third account and the second account wherein the secondlisted… | X | X | X | ||||||||||
| 25 | JP2002109286A (Mitsunori Hikita, 2002) | (Original Assignee) Mitsunori Hikita; 光伯 疋田 | バケットオークションシステム、これを記録したコンピュータ読み取り可能な記録媒体およびバケットオークション装置 | ▪ multiple service providers ≈ データベース ▪ vendor computer, service provider computer ≈ 読み取り ▪ user device ≈ システム | X | X | X | X | X | ||||||||||
| 26 | JP2001092899A (Shuko Gen, 2001) | (Original Assignee) Shuko Gen; 種浩 元 | Electronic commerce system and method | ▪ electronic commerce system, electronic commerce ≈ electronic commerce system, 電子商取引 ▪ purchase price ≈ product information, purchase price ▪ multiple service providers, different service ≈ データベース, own database ▪ vendor computer, service provider computer ≈ 読み取り ▪ user device ≈ システム, performing | X | X | X | X | X | X | X | X | X | X | X | ||||
| 27 | JP2001273416A (Eibai Gu, 2001) | (Original Assignee) Goodsdaq Co Ltd; グッズダック・カンパニー・リミテッド | 多対多双方向競売方式による通信商品取引所システム及びその方法 | ▪ new account ≈ 情報データ ▪ user device ≈ システム | X | X | X | ||||||||||||
| 28 | JP2001357229A (Akihiro Nagai, 2001) | (Original Assignee) Intrigue:Kk; 株式会社 イントリーグ | Work mediation system | ▪ user device, bridge operator ≈ システム, connection ▪ vendor computer ≈ ベンダー ▪ web site ≈ web site | X | X | X | X | X | ||||||||||
| 29 | JP2001357248A (Mitsuo Oshima, 2001) | (Original Assignee) Oki Electric Ind Co Ltd; 沖電気工業株式会社 | Automatic auction device and automatic auction method | ▪ user device, electronic commerce system ≈ 大きい場合, apparatus ▪ purchase price, purchase price using funds ≈ purchase price, sales price | X | X | |||||||||||||
| 30 | JP2001344324A (Masaaki Hashizume, 2001) | (Original Assignee) Masaaki Hashizume; 昌明 橋詰 | 流通業界情報交換相互支援システム | ▪ multiple service providers ≈ データベース ▪ user device ≈ システム ▪ product purchase ≈ の双方 ▪ credit cards ≈ カード | X | X | X | X | |||||||||||
| 31 | JP2001338179A (Takeshi Yamashita, 2001) | (Original Assignee) Takeshi Yamashita; 武 山下 | 電子商取引における複数販売業者で対応する販売者の仲介 | ▪ electronic commerce, electronic commerce system ≈ 電子商取引 ▪ product purchase ≈ 消費者 | X | X | |||||||||||||
| 32 | KR20010106723A (신형석, 2001) | (Original Assignee) 신재중; (주)뉴웨이 소프트웨어 엔지니어링 | 컴퓨터 통신망을 이용한 인터랙티브 상거래 방법 | ▪ purchase price ≈ purchase price ▪ electronic commerce, electronic commerce system ≈ 상거래 ▪ vendor computer ≈ 상품의 | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ discloses a computerized quotation system and method for forming a computer based network of members inclusive of buyers… ▪ discloses a method wherein the request is for a desired geographical area or for a predetermined proximity to a target… ▪ teaches selecting a product by moving one image to a second portion they fail to show the displaying in graph form… ▪ teaches that the intermediary terminates the request if the seller is not authorized… | X | X | X | ||||||||||
| 33 | US6351739B1 (Andrew Egendorf, 2002) | (Original Assignee) Netcraft Corp (Current Assignee) AT&T Intellectual Property I LP | Internet billing method | ▪ service providers ≈ billing method ▪ credit cards, service providers using credit cards ≈ credit card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches network security maintaining consequent quality of service for the customercol… ▪ discloses the use of third party data in promoting andor evaluating a potential transaction… ▪ discloses a teledatacommunications payment method and apparatus… ▪ discloses a real time billing via the internet for advanced intelligent network services… | X | X | X | X | X | X | |||||||
| 34 | JP2001282996A (Masahiro Asano, 2001) | (Original Assignee) Hitachi Ltd; 株式会社日立製作所 | 帳票受付時の自動口座開設システム | ▪ user device ≈ システム ▪ credit cards ≈ 金融機関 | X | X | X | ||||||||||||
| 35 | EP1014320A1 (Stephen John Chasko, 2000) | (Original Assignee) NCR International Inc (Current Assignee) NCR International Inc | Method of and apparatus for maintaining a customer loyalty program on a smart card | ▪ service provider accounts ≈ demographic information ▪ communications network ≈ transfer information ▪ credit card service charge fees ≈ storage device | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses transmitting coupon data to a computer screen over a computer network and writing the coupon data onto a smart… ▪ discloses wherein the step of transmitting data referring to a product includes transmitting a… ▪ discloses a method for operating a video device the method comprising displaying via the video device television program… ▪ teaches using a smart card and transmitter in a smart card col… | X | X | X | ||||||||||
| 36 | EP1107196A1 (Ali Hassan Al-Khaja, 2001) | (Original Assignee) Ali Hassan Al-Khaja | A wireless electronic system for performing transactions | ▪ service providers, service provider computer ≈ more service providers ▪ credit cards ≈ financial transactions ▪ contains information ≈ contains information ▪ screen option ≈ movable fashion ▪ s account ≈ more interface ▪ communications network ≈ further data | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ describes the included claim elements by dependency as indicated elsewhere in this… ▪ discloses establishing new accounts identify reclamation and credit restoration par… ▪ teaches a user authentication apparatus according to claim… ▪ teaches wherein the external storage location is located within an external communication network ie debit meter is… | X | X | X | X | X | X | X | X | X | ||||
| 37 | US6347305B1 (Kirk Watkins, 2002) | (Original Assignee) E Duction Inc (Current Assignee) RRE VENTURES II LP AS COLLATERAL AGENT | Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce | ▪ purchase price ≈ purchase price ▪ user account ≈ status change | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses if new customer is detected then additional authorization is required therefore new customer criteria that… ▪ teaches wherein the multifunction peripheral further comprises a secure hypertext transfer protocol module and wherein… ▪ teaches storing a second record with mapping information in the memory mapped file… ▪ teaches a system and method for allowing searching of products from multiple venders and grouping products according… | X | ||||||||||||
| 38 | US6189787B1 (Robert E. Dorf, 2001) | (Original Assignee) Robert E. Dorf (Current Assignee) ALEXSAM Inc | Multifunctional card system | ▪ product purchase, user attempts to purchase products ≈ purchase data ▪ credit cards, service providers using credit cards ≈ credit card, debit card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a system for establishing a secure connection between a smart card and a central computer issuer… ▪ discloses the contractagreement for the apportionment of reward funds to be stored within the system… ▪ teaches a ticket server compares the current date with a predetermined time period before an event in order to… ▪ teaches it is old and well known in the art of awards and rewards to provide awards which are funded by the… | X | X | X | X | X | ||||||||
| 39 | JP2001125909A (Yasumasa Kawashima, 2001) | (Original Assignee) Hitachi Ltd; 株式会社日立製作所 | Data search method and data processing device | ▪ multiple service providers ≈ データベース ▪ credit cards, service providers using credit cards ≈ retrieved data ▪ user account ≈ stored data ▪ user device, electronic commerce system ≈ performing, apparatus | X | X | X | ||||||||||||
| 40 | US6212556B1 (Lakshmi Arunachalam, 2001) | (Original Assignee) WebXchange Inc (Current Assignee) ARUNACHALAM LAKSHMI DR | Configurable value-added network (VAN) switching | ▪ service provider computer, different service provider ≈ multiple content ▪ web site ≈ Web server, Web page | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses the method system and computer readable medium of claim… ▪ discloses that the procedure of receiving the execution key can be performed repeatedly… ▪ teaches the customer is provided security features for the switch to maintain a secure environment which is known to… ▪ discloses denying the transmittal of the control commands if the count exceeds a given… | X | X | X | X | X | X | |||||||
| 41 | US6360254B1 (Gregory D. Linden, 2002) | (Original Assignee) Amazon Corporate LLC (Current Assignee) Amazon Corporate LLC ; Amazon Technologies Inc | System and method for providing secure URL-based access to private resources | ▪ service providers, credit cards ≈ token generation, greeting card ▪ bridge computer ≈ server system ▪ credit card service charge fees ≈ random number ▪ communications network ≈ represents a ▪ different service, multiple service ≈ Web site ▪ web site ≈ Web page | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a permission negotiation engine to negotiate permissions that haven t been approved by the rights holder… ▪ teaches a system and method for providing secure URLbased access to private resources see abstract… ▪ discloses an authentication method similar and with the same elements as… ▪ discloses modifying the profile of the user based on selections by the user see… | X | X | X | X | X | X | X | X | X | X | X | X | X |
| 42 | JP2000276547A (Makoto Hoshino, 2000) | (Original Assignee) Bank Of Yokohama Ltd; 株式会社 横浜銀行 | 金融業務用統合型コールセンター・システム | ▪ multiple service providers ≈ データベース, ネットワ ▪ new account ≈ 情報データ ▪ user device ≈ システム ▪ different service provider ≈ 確認情報 ▪ screen option ≈ 音声識別 | X | X | X | X | X | X | |||||||||
| 43 | US6098053A (Alan Slater, 2000) | (Original Assignee) Citibank NA (Current Assignee) Citibank NA | System and method for performing an electronic financial transaction | ▪ credit card service charge fees ≈ financial institution ▪ vendor computer ≈ secure transmission ▪ bridge computer ≈ security method ▪ s account ≈ s account ▪ web site ≈ Wide Web | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a method for printing and verifying checks over a network comprising the following steps connecting a client… ▪ discloses storing the approval from the check veri cation server in a merchant le in the check server… ▪ teaches funds allocated to account from parent company and from rewards for performance para… ▪ teaches the use of different biometrics with multiple accounts and… | X | X | X | X | X | X | X | X | X | X | X | X | |
| 44 | US6055516A (James M. Johnson, 2000) | (Original Assignee) Procurenet Inc (Current Assignee) ePlus Inc ; Procurenet Inc | Electronic sourcing system | ▪ communications network ≈ generation module ▪ multiple service providers, service providers using credit cards ≈ selling items | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a method for electronic sourcing of items including automatically splitting an order including individual… ▪ teaches that linear guide products are well known in machinery see abstract… ▪ teaches wherein the identi er comprises data representative of a characteristic of the directory item matching the… ▪ teaches varying access authority to the database to present text with hyperlinks to users authorized by the role table… | X | X | |||||||||||
| 45 | US6223168B1 (Daniel M. McGurl, 2001) | (Original Assignee) Bottomline Tech Inc (Current Assignee) Bottomline Tech Inc | Automatic remittance delivery system | ▪ purchase price, purchase price using funds ≈ payment system ▪ user device ≈ said database ▪ credit cards, service providers using credit cards ≈ more payment ▪ bridge computer to maintain accounts ≈ more account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a device bound which limits the usage bind of the content to a device… ▪ discloses administering registration of a personal information in a database in a manner tending to assure integrity of… ▪ teaches A method of reimporting a second content as a third content wherein a first content was imported as the second… ▪ discloses encoding content for conversion into visionenabled content… | X | X | X | ||||||||||
| 46 | US6327578B1 (Mark Linehan, 2001) | (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp ; PayPal Inc | Four-party credit/debit payment protocol | ▪ product purchase, user attempts to purchase products ≈ merchant identifier, program product ▪ purchase price using funds ≈ message interaction ▪ communications network ≈ security protocol ▪ user account, service provider accounts ≈ user account ▪ credit cards ≈ smart card ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches the motivation of sending a notification if the validity check fails so that the user may be informed… ▪ discloses all the subject matter of the method as discussed above with respect to claim… ▪ teaches secured communications channels over the telecommunications network in paragraph… ▪ teaches electronic and person assisted dispute resolution and customer support services col… | X | X | X | X | |||||||||
| 47 | US6260024B1 (Gary Shkedy, 2001) | (Original Assignee) Gary Shkedy (Current Assignee) Red Hat Inc | Method and apparatus for facilitating buyer-driven purchase orders on a commercial network system | ▪ purchase price, purchase price using funds ≈ purchase offer ▪ user device ≈ said database ▪ credit cards, service providers using credit cards ≈ credit card, smart card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches corporate securities are selected for the group consisting of stocks bonds notes and debentures col… ▪ discloses all of the elements of the claimed invention but fails to explicitly disclose the standard processing unit and… ▪ discloses administering registration of a personal information in a database in a manner tending to assure integrity of… ▪ discloses a method and apparatus for facilitating and controlling a buyer driven market where prospective buyers of… | X | X | X | ||||||||||
| 48 | US20010011250A1 (Cris T. Paltenghe, 2001) | (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Credit Services Inc USA | Distributed network based electronic wallet | ▪ service provider accounts ≈ demographic information, personal data ▪ service providers, bridge operator ≈ service providers, credit card ▪ communications network ≈ third parties | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses agents in different embodiments ie database and multimedia objects interacting with one another US… ▪ discloses a method and system for bill presentment and payment… ▪ discloses the following limitations combining the second primary account and the second alias account into a new account… ▪ discloses a method for using an electronic transaction device with a transaction service provider comprising registering… | X | X | X | X | X | X | X | ||||||
| 49 | US6092053A (Brian Boesch, 2000) | (Original Assignee) CyberCash Inc (Current Assignee) PayPal Inc | System and method for merchant invoked electronic commerce | ▪ vendor computer ≈ identifying information ▪ electronic commerce, electronic commerce system ≈ electronic commerce ▪ product purchase, user attempts to purchase products ≈ merchant identifier ▪ bridge computer to settle accounts ≈ wide area networks ▪ credit cards ≈ payment card, card type | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses storing the approval from the check veri cation server in a merchant le in the check server… ▪ discloses a system a method and an article of manufacture for a modular gateway wherein a… ▪ discloses a registering consumer information including the consumer s credit card with a wallet system ie the issue… ▪ teaches that capturing a browser ID was a well known parameter in order to detect fraud… | X | X | X | X | X | X | X | ||||||
| 50 | JP2000113289A (Yoshihiko Kato, 2000) | (Original Assignee) Snk:Kk; 株式会社エス・エヌ・ケイ | Billing system in playground and billing method thereof | ▪ s account ≈ first reading ▪ user device ≈ システム, plurality ▪ new service provider account ≈ rewritable ▪ credit cards ≈ カード | X | X | X | ||||||||||||
| 51 | US6233568B1 (Salim G. Kara, 2001) | (Original Assignee) E-Stamp Corp (Current Assignee) Stamps com Inc | System and method for automatically providing shipping/transportation fees | ▪ electronic commerce ≈ including circuitry ▪ service providers, bridge operator ≈ service providers ▪ bridge computer ≈ switched network ▪ credit cards ≈ smart card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses each carrier having a set of shipping requirements and a prede ned rate structure column… ▪ discloses the use of a shipping computer system see abstract with a method of using the system and a computer program… ▪ discloses a multiple carrier system that calculates rates for carriers with speci c parameters such as a noti cation of… ▪ discloses a computer program used for multiple shippers that displays that calculate shipping rates of multiple carriers… | X | X | X | X | X | X | X | X | X | X | X | ||
| 52 | US6064990A (Kevin Scott Goldsmith, 2000) | (Original Assignee) International Business Machines Corp (Current Assignee) PayPal Inc | System for electronic notification of account activity | ▪ credit cards ≈ financial transactions ▪ user account, service provider accounts ≈ user account ▪ screen option ≈ one computer | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses creating a validation record in a database and providing access by a payment cardholder to the database… ▪ discloses a method and system to prevent fraudulent payment in creditdebit card transactions comprising a transaction… ▪ teaches a signature determining unit determining validity of said communication information said second history… ▪ teaches electronic and person assisted dispute resolution and customer support services col… | X | X | |||||||||||
| 53 | JPH11224236A (Yoshimasa Baba, 1999) | (Original Assignee) Mitsubishi Electric Corp; 三菱電機株式会社 | 遠隔認証システム | ▪ service providers, service providers make purchases ≈ ユーザ識別情報 ▪ user account ≈ ユーザ端末 ▪ user device ≈ システム ▪ multiple service providers ≈ ネットワ | X | X | X | X | X | X | X | ||||||||
| 54 | JPH11203544A (Kazutoshi Kato, 1999) | (Original Assignee) Total Technology Kk; トータルテクノロジ株式会社 | プリペイドカード | ▪ user account ≈ 各サービス ▪ vendor computer, service provider computer ≈ 読み取り ▪ purchase price ≈ 高速道路 ▪ predetermine schedule ≈ 含む複数 ▪ user device ≈ データ ▪ credit cards ≈ カード | X | X | X | X | X | X | |||||||||
| 55 | US6039250A (Atsushi Ito, 2000) | (Original Assignee) Hitachi Ltd (Current Assignee) Hitachi Ltd | Electronic money sending system | ▪ credit card service charge fees, credit cards ≈ storing electronic money ▪ user ID ≈ sending information ▪ electronic commerce, electronic commerce system ≈ IC cards | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses all the subject matter of the method as discussed above with respect to claim… ▪ discloses associating the access code with a customer account configured to be replenished in response to further… ▪ teaches electronic and person assisted dispute resolution and customer support services col… ▪ teaches the invention as substantially claimed except that the mobile device is a GSM… | X | X | X | X | |||||||||
| 56 | US5987429A (Lynn Michael Maritzen, 1999) | (Original Assignee) Sun Microsystems Inc (Current Assignee) Oracle America Inc | Computer-based fee processing for electronic commerce | ▪ electronic commerce, electronic commerce system ≈ electronic commerce ▪ user attempts to purchase products ≈ program product ▪ credit card service charge fees ≈ storage device | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses administering registration of a personal information in a database in a manner tending to assure integrity of… ▪ discloses a payment system coupled on a communication network see… ▪ teaches to select a text and still picture as free form reply… ▪ teaches a unique identification code for a device a group of N devices a set identification code and a corresponding… | X | X | X | ||||||||||
| 57 | US6029151A (Pekka Nikander, 2000) | (Original Assignee) Telefonaktiebolaget LM Ericsson AB (Current Assignee) Telefonaktiebolaget LM Ericsson AB | Method and system for performing electronic money transactions | ▪ purchase price, credit cards ≈ electronic transaction, money transactions ▪ purchase price using funds ≈ electronic payment ▪ electronic commerce, electronic commerce system ≈ one transaction ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches the invention as substantially claimed except that the mobile device is a GSM… ▪ discloses a wireless wallet which includes prescription ordering payment and notification when ready for pickup eg… ▪ teaches that it is known to wherein the user is billed by the network operator for the content in a telephone bill… ▪ discloses a user can connect to a control unit for the purpose of providing data to effect a payment… | X | X | X | ||||||||||
| 58 | US6047268A (Paul D. Bartoli, 2000) | (Original Assignee) AT&T Corp (Current Assignee) AT&T Properties LLC ; Hanger Solutions LLC | Method and apparatus for billing for transactions conducted over the internet | ▪ credit card service charge fees ≈ random number ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a method for authorizing authenticating and accounting users having transparent access to a destination… ▪ teaches also sent to the user s browser by the billing server is a new cookie having a value field containing the… ▪ discloses a payment service provider which contracts with its client to facilitate payments and prepayments on account… ▪ discloses receivers and providers may select from a variety of common or mutually agreeable payment methodologies such… | X | X | |||||||||||
| 59 | JPH11120370A (Takehiro Kudo, 1999) | (Original Assignee) Dainippon Printing Co Ltd; 大日本印刷株式会社 | Personal postcard issuing system | ▪ electronic commerce ≈ information terminal ▪ vendor computer, service provider computer ≈ パーソナル ▪ user device ≈ システム, データ ▪ service providers using credit cards ≈ membership ▪ credit cards ≈ カード ▪ purchase price using funds ≈ 記印刷 | X | X | X | X | X | ||||||||||
| 60 | US5883810A (D. Chase Franklin, 1999) | (Original Assignee) Microsoft Corp (Current Assignee) Microsoft Technology Licensing LLC | Electronic online commerce card with transactionproxy number for online transactions | ▪ electronic commerce, electronic commerce system ≈ electronic commerce ▪ service providers, credit cards ≈ card registration ▪ user attempts to purchase products ≈ card application ▪ product purchase ≈ customer site ▪ purchase price using funds ≈ public key | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a method for presenting and payment of an electronic invoice generated in connection with a purchase… ▪ discloses payment but does not specifically teach payment by card… ▪ teaches signing the request with the private encryption key column… ▪ discloses wherein the payment device corresponds to a funding account and wherein the transaction request is initiated… | X | X | X | X | X | X | X | X | |||||
| 61 | US6101482A (Michael F. DiAngelo, 2000) | (Original Assignee) International Business Machines Corp (Current Assignee) eBay Inc | Universal web shopping cart and method of on-line transaction processing | ▪ bridge operator ≈ user verification ▪ user attempts to purchase products ≈ program product ▪ web site, different service ≈ Web server, web site | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches a method for electronic sourcing of items including automatically splitting an order including individual… ▪ teaches that linear guide products are well known in machinery see abstract… ▪ teaches populating the shopping cart with a descriptive name of the at least one item and a price of the at least one… ▪ teaches wherein the remote means further includes means for associating stock content with the customizable product… | X | X | X | X | X | X | X | X | |||||
| 62 | JPH1166182A (Tomikatsu Asanuma, 1999) | (Original Assignee) N T T Data:Kk; Nippon Telegr & Teleph Corp <Ntt>; 日本電信電話株式会社; 株式会社エヌ・ティ・ティ・データ | 情報料の課金処理方法及び課金代行システム | ▪ electronic commerce, user ID ≈ 課金処理 ▪ user device ≈ システム ▪ multiple service providers ≈ ネットワ | X | X | X | X | |||||||||||
| 63 | US6012045A (Nizan Barzilai, 2000) | (Original Assignee) Barzilai; Nizan; Davidson; Ron | Computer-based electronic bid, auction and sale system, and a system to teach new/non-registered customers how bidding, auction purchasing works | ▪ communications network ≈ telecommunications system ▪ purchase price using funds ≈ electronic payment ▪ product purchase ≈ consumer products | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches systems and methods for assessing the bid values for placement of content such as advertisements in a certain… ▪ discloses a system for presenting mobile communication facility data to a first and a second bidder in real time the… ▪ discloses all of the elements of the claimed invention but fails to explicitly disclose the standard processing unit and… ▪ teaches conducting an interactive auction over an electronic network… | X | X | |||||||||||
| 64 | US6029141A (Jeffrey P. Bezos, 2000) | (Original Assignee) Amazon com Inc (Current Assignee) Amazon Technologies Inc | Internet-based customer referral system | ▪ contains information ≈ contains information ▪ s account ≈ respective item ▪ multiple service providers, service providers using credit cards ≈ selling items ▪ screen option ≈ allows users ▪ purchase price, purchase price using funds ≈ other items ▪ web site ≈ Web page | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses the network advertisement delivery system in accordance with claim… ▪ teaches enabling individuals and other business entities to refer customers to a merchant web site in return for… ▪ discloses delivering software and discloses that the asset provider may be a software publisher column… ▪ discloses a picture information displaying method for displaying on a display picture the information pertinent to… | X | X | X | X | X | X | |||||||
| 65 | JPH1115927A (Tetsuji Inamitsu, 1999) | (Original Assignee) Hitachi Ltd; Hitachi Video Ind Inf Syst Inc; 株式会社日立画像情報システム; 株式会社日立製作所 | IC card system | ▪ debits other service providers ≈ destination information ▪ service provider computer ≈ application software ▪ multiple service providers ≈ ネットワ ▪ s account ≈ controlling ▪ user device, electronic commerce system ≈ performing, apparatus | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses an instruction data deletion commanding unit that deletes the instruction data from the storing unit after the… ▪ teaches these as magnetic stripe card reader encodes the magnetic strip and sensor pad see atleast… ▪ discloses establishing new accounts identify reclamation and credit restoration par… ▪ discloses a system and method in which a user having a smart card may use one or more funding source to complete a… | X | X | X | ||||||||||
| 66 | US5987500A (Lakshmi Arunachalam, 1999) | (Original Assignee) Pi Net International Inc (Current Assignee) ARUNACHALAM LAKSHMI DR | Value-added network system for enabling real-time, by-directional transactions on a network | ▪ purchase price ≈ multiple transaction ▪ different service, different service provider ≈ providing security ▪ service providers, bridge operator ≈ service providers ▪ vendor ID ≈ network system ▪ communications network ≈ represents a | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches the limitation wherein administratively modifying at least one of said presentation attributes for a selected… ▪ teaches the invention substantially as claimed including enterprise application platform see abstract… ▪ teaches how a style sheet satisfies the document type root element name and root element attribute name… ▪ teaches computer data storage medium having program code means eg in paragraphs… | X | X | X | X | X | X | X | X | X | ||||
| 67 | US5963647A (John Downing, 1999) | (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Credit Services Inc USA | Method and system for transferring funds from an account to an individual | ▪ communications network, bridge computer to maintain accounts ≈ communications network ▪ credit card service charge fees ≈ currency conversion ▪ user ID ≈ transfer system | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses one or more computer readable media having stored thereon a plurality of instructions that when executed by… ▪ discloses identifying restrictions associated with the payment account comparing the restrictions to an identity of the… ▪ teaches a method and apparatus for establishing and managing vending machines in which items may be purchased from a… ▪ discloses all the elements of the claimed invention but does not explicitly disclose a settlement and clearing module… | X | X | X | X | |||||||||
| 68 | CN1226979A (板仓雄一郎, 1999) | (Original Assignee) 埃伊姆株式会社 | 信息提供器、终端和系统以及终端的记录媒体 | ▪ credit card service charge fees ≈ 一种记录 ▪ user device ≈ 系统相 ▪ service provider ≈ 通信装, 网络从 | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a permission negotiation engine to negotiate permissions that haven t been approved by the rights holder… ▪ discloses all the subject matter of the method as discussed above with respect to claim… ▪ discloses a payment system coupled on a communication network see… ▪ teaches storing destination information and displaying the destination information on the updateable electronic… | X | X | X | X | X | X | X | ||||||
| 69 | US6012048A (Robin Haley Gustin, 2000) | (Original Assignee) Capital Security Systems Inc (Current Assignee) Capital Security Systems Inc | Automated banking system for dispensing money orders, wire transfer and bill payment | ▪ credit cards, service providers using credit cards ≈ credit card, smart card ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches that adding the features help ATM to performs and allows a of service options column… ▪ teaches a browser coupled to the logic server and the display… ▪ discloses a writing implement for identity veri cation system… ▪ discloses that the envelope incorporates an RFID enabling commodity tracking abst col… | X | X | |||||||||||
| 70 | WO9743727A1 (Neil D. Potter, 1997) | (Original Assignee) Crossmar, Inc. | Method and system for performing automated financial transactions involving foreign currencies | ▪ credit cards, service provider accounts ≈ financial transactions, payment sum ▪ credit card service charge fees ≈ financial institution ▪ user ID ≈ sending information ▪ screen option ≈ menu list | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses administering registration of a personal information in a database in a manner tending to assure integrity of… ▪ teaches wherein the renter refreshes the line of credit see column… ▪ teaches substantially all the limitations including the idea that all messages sent from the client PC to the… ▪ teaches an auction method that rapidly communicates bid wanted orders to a large of prospective bidders and solicits… | X | X | X | ||||||||||
| 71 | US5970474A (Michael LeRoy, 1999) | (Original Assignee) Sears Roebuck and Co (Current Assignee) Sears Brands LLC | Registry information system for shoppers | ▪ purchase price ≈ product information ▪ bridge computer ≈ retrieval device ▪ vendor ID ≈ network system ▪ bridge computer to settle accounts ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses an interactive electronic representation of a page of a publicationbroadcast or of a photographic scene and… ▪ discloses a picture information displaying method for displaying on a display picture the information pertinent to… ▪ teaches a method of determining character sets of clientserver communications with respect to independent claim… ▪ discloses an electronic commerce system that provides market feedback to sellers comprising a global content directory… | X | X | X | X | X | X | X | X | X | X | |||
| 72 | JPH10207946A (Toshiaki Kobayashi, 1998) | (Original Assignee) Computer Consulting:Kk; 有限会社 コンピュータ・コンサルティング | プリペイドメディアおよびこれを用いた決済システム | ▪ user device ≈ システム ▪ purchase price ≈ の購入 | X | X | |||||||||||||
| 73 | US5797127A (Jay S. Walker, 1998) | (Original Assignee) Walker Asset Management LP (Current Assignee) Priceline com LLC | Method, apparatus, and program for pricing, selling, and exercising options to purchase airline tickets | ▪ purchase price ≈ travel information, purchase price ▪ credit cards, service providers using credit cards ≈ credit card ▪ different service, different service provider ≈ one leg | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses all of the elements of the claimed invention but fails to explicitly disclose the standard processing unit and… ▪ discloses that the authentication data is used as security information during ticket distribution such as requiring… ▪ discloses a method and apparatus for facilitating and controlling a buyer driven market where prospective buyers of… ▪ discloses signaling the solicitor that a contract cannot be formed col… | X | X | X | X | |||||||||
| 74 | JPH09218903A (Brian Paul Boesch, 1997) | (Original Assignee) Cybercash Inc; サイバーキャッシュ インコーポレイテッド | Electronic transfer system and method | ▪ debits other service providers ≈ インボイス ▪ multiple service providers ≈ ネットワ ▪ user device ≈ performing ▪ service providers make purchases ≈ data sets | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses transmitting from the second computer system to a third computer system for authorizing or denying credit in… ▪ teaches a tokenless identification system for authorization of electronic transactions where the… ▪ discloses a method to automatically accept an offer and skip the personal biological data verification when the… ▪ discloses a method and system of signing electronic documents with the concept of a signature image capture component… | X | X | X | ||||||||||
| 75 | US5721768A (Charles J. Stimson, 1998) | (Original Assignee) Call Processing Inc (Current Assignee) Call Processing Inc | Pre-paid card system and method | ▪ predetermine schedule, user attempts to purchase products ≈ particular point ▪ electronic commerce ≈ data terminal ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches providing a more secure way of using existing credit cards and in particular to providing an improved way of… ▪ discloses limiteduse credit card limited for use based on or category of merchant for which the card can be used col… ▪ discloses a method of operating a computer account system at an agency the method comprising maintaining a plurality of… ▪ discloses that these limitations can be altered once a is issued by updating the issuer database and the user maintained… | X | X | X | ||||||||||
| 76 | US6070150A (Darren B. Remington, 2000) | (Original Assignee) Microsoft Corp (Current Assignee) Microsoft Technology Licensing LLC | Electronic bill presentment and payment system | ▪ purchase price using funds, purchase price ≈ electronic payment, payment system ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches the motivation of sending settlement information to the parties of the transaction including account… ▪ teaches means for consummating the purchase with removable media recorded with encodable currency digital cash or… ▪ discloses an electronic bill payment network comprising a plurality of user network stations associated with a plurality… ▪ teaches a consumer based system and method for managing and paying electronic billing statements in which there exists… | X | ||||||||||||
| 77 | US6076068A (James P. DeLapa, 2000) | (Original Assignee) Ad Response Micromarketing Corp (Current Assignee) Catalina Marketing Corp | Coupon delivery system | ▪ credit card service charge fees ≈ storage device ▪ bridge computer to settle accounts ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a referral recognition system for an incentive award program… ▪ teaches the concepts of an interactive cell phone user receiving electronic coupons via the known SMS messaging… ▪ teaches a system that allows advertisers to compare the effectiveness of each of the publishing sites that advertises… ▪ teaches that the coupons can include various multimedia formats… | X | X | |||||||||||
| 78 | US5794207A (Jay S. Walker, 1998) | (Original Assignee) Walker Asset Management LP (Current Assignee) Priceline com LLC | Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers | ▪ credit card service charge fees ≈ storage device ▪ credit cards, service providers using credit cards ≈ credit card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a financial record that has information pertaining to an individual transaction see figure… ▪ discloses a system for allowing prospective buyers of goods and services to communicate offers to potential sellers with… ▪ discloses a potential seller being required to go through a protocol within the system in order to provide that the… ▪ discloses these limitations creating by the computer a minifinancial record CPOconditional purchase offer for the… | X | X | |||||||||||
| 79 | JPH1055222A (Hiroshi Hiraki, 1998) | (Original Assignee) Ricoh Co Ltd; 株式会社リコー | Print network charging management device and interface device | ▪ multiple service providers ≈ ネットワ ▪ electronic commerce system, user device ≈ apparatus, plurality | X | X | X | ||||||||||||
| 80 | US5778178A (Lakshmi Arunachalam, 1998) | (Original Assignee) Arunachalam; Lakshmi (Current Assignee) ARUNACHALAM LAKSHMI DR | Method and apparatus for enabling real-time bi-directional transactions on a network | ▪ communications network ≈ represents a ▪ web site ≈ Wide Web | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches the limitation wherein administratively modifying at least one of said presentation attributes for a selected… ▪ teaches the invention substantially as claimed including enterprise application platform see abstract… ▪ teaches how a style sheet satisfies the document type root element name and root element attribute name… ▪ teaches computer data storage medium having program code means eg in paragraphs… | X | X | X | X | |||||||||
| 81 | WO9704411A1 (Horton Jennings, 1997) | (Original Assignee) Citibank, N.A. | Customer-directed, automated system for transferring funds between accounts | ▪ credit card service charge fees, credit cards ≈ financial institutions ▪ communications network, bridge computer to maintain accounts ≈ communications network | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches notice of whether the request has been granted or denied to a user… ▪ discloses all the subject matter of the method as discussed above with respect to claim… ▪ discloses allowing a bank customer when requesting an instrument to specify the address of the payee of the instrument… ▪ teaches processing transactions based on predetermined limits and through foreign exchanges column… | X | X | X | ||||||||||
| 82 | US5806045A (James E. Biorge, 1998) | (Original Assignee) CardOne Dev Co (Current Assignee) LOYALTY CENTRAL Inc ; SCHIMATIC CASH TRANSACTIONS NETWORKCOM Inc | Method and system for allocating and redeeming incentive credits between a portable device and a base device | ▪ credit card service charge fees ≈ financial institution ▪ contains information ≈ contains information, further contains ▪ service charge ≈ first provider | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches a system for providing incentive credits points to a user or customer participating in one or more promotion… ▪ discloses a method for tracking and converting loyalty points as in… ▪ discloses a electronic card that is coupled to a computer system or host computer and the electronic card in some modes… ▪ teaches the end device is configured to offer a meterable service column… | X | X | X | ||||||||||
| 83 | WO9636024A1 (Peter Jacobus Nicolaas De Rooij, 1996) | (Original Assignee) Koninklijke Ptt Nederland N.V. | Electronic payment system having several calculation units, electronic payment means, as well as a method for electronic payment | ▪ product purchase, credit cards ≈ different currencies, more payment ▪ purchase price using funds, purchase price ≈ electronic payment, payment system ▪ credit card service charge fees ≈ random number | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches the method of performing an electronic transaction of claim… ▪ teaches communication back and forth between the merchant payment system and the recipient… ▪ discloses a system for providing electronic coupons or negotiable economic credits to a user over the… ▪ discloses a method for using a stored value rebate card wherein the process of using the stored value rebate card is… | X | X | X | X | X | ||||||||
| 84 | JPH09305832A (Tatsuya Shimakawa, 1997) | (Original Assignee) Tatsuya Shimakawa; 達也 島川 | 電子マネーカードホルダー | ▪ electronic commerce ≈ カードホルダー ▪ vendor computer, service provider computer ≈ 読み取り ▪ user device ≈ データ | X | X | X | X | |||||||||||
| 85 | WO9634356A1 (Thomas G. Woolston, 1996) | (Original Assignee) Fleanet, Inc. | Consignment nodes | ▪ credit cards ≈ financial transactions ▪ user device ≈ said database ▪ purchase price, purchase price using funds ≈ sales price ▪ user attempts to purchase products ≈ data record | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a method for tracking and converting loyalty points as in… ▪ discloses all of the elements of the claimed invention but fails to explicitly disclose the standard processing unit and… ▪ discloses administering registration of a personal information in a database in a manner tending to assure integrity of… ▪ teaches corporate securities are selected for the group consisting of stocks bonds notes and debentures col… | X | X | X | X | |||||||||
| 86 | US6138107A (Taher Elgamal, 2000) | (Original Assignee) Netscape Communications Corp (Current Assignee) Facebook Inc | Method and apparatus for providing electronic accounts over a public network | ▪ credit card service charge fees, credit cards ≈ electronic money accounts, financial information ▪ purchase price ≈ product information ▪ purchase price using funds ≈ electronic payment, public key | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses administering registration of a personal information in a database in a manner tending to assure integrity of… ▪ discloses a payment system coupled on a communication network see… ▪ teaches to select a text and still picture as free form reply… ▪ discloses about a steganographic techniques for securely delivering electronic digital rights management control… | X | X | X | ||||||||||
| 87 | JPH09167185A (Shiyuuki Koreeda, 1997) | (Original Assignee) N K Kikaku:Kk; 株式会社エヌ．ケー企画 | Online shopping system and payment method | ▪ purchase price ≈ product information, の購入 ▪ user device ≈ plurality ▪ web site ≈ の発送 | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses all of the elements of the claimed invention but fails to explicitly disclose the standard processing unit and… ▪ teaches funds allocated to account from parent company and from rewards for performance para… ▪ discloses a method and apparatus for facilitating and controlling a buyer driven market where prospective buyers of… ▪ discloses that the product description includes order time order expiration and inventory information ie date… | X | X | X | X | |||||||||
| 88 | US5724424A (David K. Gifford, 1998) | (Original Assignee) Open Market Inc (Current Assignee) Soverain Ip LLC ; Open Market Inc ; Wilmington Trust NA | Digital active advertising | ▪ user account ≈ transaction identifier ▪ s account ≈ delivery address ▪ credit card service charge fees, credit cards ≈ debit card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses administering registration of a personal information in a database in a manner tending to assure integrity of… ▪ discloses a payment system coupled on a communication network see… ▪ teaches storing shipping information and displaying the shipping information on the updateable electronic display… ▪ teaches a unique identification code for a device a group of N devices a set identification code and a corresponding… | X | X | X | ||||||||||
| 89 | US5774874A (William J. Veeneman, 1998) | (Original Assignee) Gift Certificate Center (Current Assignee) Gift Certificate Center | Multi-merchant gift registry | ▪ vendor computer ≈ identifying information ▪ credit card service charge fees ≈ storage device ▪ bridge computer to settle accounts ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ discloses a database associated with the computing system which maintains a plurality of digital coupons… ▪ teaches determining whether desired purchase prices are greater than preset minimum allowable sales price and if so… ▪ teaches an electronic reservation system at least partially maintained on a computer located at a restaurant and… ▪ discloses mailing purchase incentives to targeted customers as opposed to providing the purchase incentives to the… | X | X | X | X | X | ||||||||
| 90 | US5671279A (Taher Elgamal, 1997) | (Original Assignee) Netscape Communications Corp (Current Assignee) Facebook Inc | Electronic commerce using a secure courier system | ▪ credit cards, service providers using credit cards ≈ financial information, card information ▪ electronic commerce, electronic commerce system ≈ electronic commerce ▪ purchase price ≈ product information ▪ purchase price using funds ≈ electronic payment, public key ▪ bridge operator ≈ shipping charges ▪ user account ≈ payment process | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses administering registration of a personal information in a database in a manner tending to assure integrity of… ▪ teaches transferring funds from the purchaser account to the surrogate account is performed for a total payment amount… ▪ discloses encoding content for conversion into visionenabled content… ▪ discloses a payment system coupled on a communication network see… | X | X | X | ||||||||||
| 91 | US5757917A (Marshall T. Rose, 1998) | (Original Assignee) First Virtual Holdings Inc (Current Assignee) PayPal Inc | Computerized payment system for purchasing goods and services on the internet | ▪ vendor computer ≈ secure communication channels ▪ different service, different service provider ≈ public key cryptography ▪ credit cards, service providers using credit cards ≈ card information ▪ user device ≈ said database | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a method for electronic merchandise dispute resolution… ▪ teaches receiving code via a secure channel and cryptographically signing it and forwarding it… ▪ teaches a signature determining unit determining validity of said communication information said second history… ▪ teaches a transaction card applied to payment of postal services see… | X | X | X | X | X | X | X | ||||||
| 92 | JPH0973496A (Takahiro Ezaki, 1997) | (Original Assignee) N T T Data Tsushin Kk; エヌ・ティ・ティ・データ通信株式会社 | Electronic money transfer system, relay system, money transfer method | ▪ new account ≈ 情報データ ▪ predetermine schedule ≈ combining means ▪ user device ≈ システム, plurality ▪ multiple service providers ≈ ネットワ ▪ credit cards ≈ 金融機関 | X | X | X | X | X | ||||||||||
| 93 | US5878141A (Michael T. Daly, 1999) | (Original Assignee) Microsoft Corp (Current Assignee) Microsoft Technology Licensing LLC | Computerized purchasing system and method for mediating purchase transactions over an interactive network | ▪ purchase price, purchase price using funds ≈ television programs, public key ▪ bridge computer to settle accounts ≈ wide area networks ▪ credit cards ≈ smart card ▪ service provider accounts ≈ top boxes ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses storing payment instructions using a card or predetermined payment arrangement making payment as per… ▪ teaches a transaction card applied to payment of postal services see… ▪ teaches a signature determining unit determining validity of said communication information said second history… ▪ teaches comprising the step of receiving a response from the first query indicating insufficiency of funds for the… | X | X | X | ||||||||||
| 94 | US5513117A (Maynard E. Small, 1996) | (Original Assignee) Small; Maynard E. | Apparatus and method for electronically dispensing personalized greeting cards and gifts | ▪ credit cards, service providers using credit cards ≈ card information, credit card ▪ screen option ≈ one computer | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses all the elements of the claimed invention but does not explicitly disclose further comprising means for… ▪ teaches in a computer system connectable to a computer network a method comprising a maintaining in memory a… ▪ teaches providing order tracking and delivery information over the… ▪ teaches of an electronic gambling game in which a player selects from a series of possible outcomes… | X | X | X | ||||||||||
| 95 | US5659165A (Horton Jennings, 1997) | (Original Assignee) Citibank NA (Current Assignee) Citibank NA | Customer-directed, automated process for transferring funds between accounts via a communications network | ▪ credit card service charge fees, credit cards ≈ financial institutions ▪ communications network, bridge computer to maintain accounts ≈ communications network | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches notice of whether the request has been granted or denied to a user… ▪ discloses all the subject matter of the method as discussed above with respect to claim… ▪ discloses allowing a bank customer when requesting an instrument to specify the address of the payee of the instrument… ▪ teaches processing transactions based on predetermined limits and through foreign exchanges column… | X | X | X | ||||||||||
| 96 | JPH0863532A (W Dale Hopkins, 1996) | (Original Assignee) Tandem Comput Inc; タンデム・コンピューターズ・インコーポレイテッド | Remote financial transaction system | ▪ user account, user ID ≈ television transmission ▪ service provider computer, service provider ≈ オフサイト ▪ screen option ≈ 表示画面 ▪ multiple service providers ≈ ネットワ ▪ user device, electronic commerce system ≈ performing, apparatus | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches funds allocated to account from parent company and from rewards for performance para… ▪ discloses wherein said electronic payment center checks in at least one pro le table whether said PIN code is associated… ▪ discloses a system comprising all of the limitations as claimed… ▪ teaches a responsibility list performance and completion thereof para… | X | X | X | X | X | X | |||||||
| 97 | US5754981A (William J. Veeneman, 1998) | (Original Assignee) Gift Certificate Center Inc (Current Assignee) Gift Certificate Center Inc | Gift registry apparatus and method | ▪ vendor computer ≈ identifying information ▪ vendor ID ≈ unique identification ▪ service provider accounts ≈ personal data | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses SMS technology in campaign management and a point to point function using voting… ▪ discloses a method for providing customized advertisement to mobile users based on their profile US… ▪ teaches that an alternate travel product being upsold is related to the preferred travel product by at least one… ▪ discloses all of the elements of the claimed invention but fails to explicitly disclose the standard processing unit and… | X | X | X | X | X | X | |||||||
| 98 | JPH08315222A (Seiji Yokoyama, 1996) | (Original Assignee) Mitsubishi Denki Service Center:Kk; 株式会社三菱電機サービスセンター | Vending machine prepaid system | ▪ purchase price using funds ≈ 自動販売機 ▪ service charge ≈ service charge ▪ user device ≈ システム ▪ credit cards ≈ カード | X | X | X | X | X | ||||||||||
| 99 | US5677955A (John Doggett, 1997) | (Original Assignee) Telcordia Technologies Inc; Financial Services Technology Consortium; First National Bank of Boston (Current Assignee) Telcordia Technologies Inc ; Financial Services Technology Consortium ; FleetBoston Financial Corp | Electronic funds transfer instruments | ▪ different service, different service provider ≈ public key cryptography ▪ predetermine schedule ≈ communication medium ▪ purchase price using funds ≈ electronic bank ▪ credit cards, service providers using credit cards ≈ credit card, smart card ▪ service provider accounts ≈ limited use ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches wherein the service provider is a potential service provider see column… ▪ discloses a method for electronic merchandise dispute resolution… ▪ teaches a transaction card applied to payment of postal services see… ▪ teaches a signature determining unit determining validity of said communication information said second history… | X | X | X | X | X | ||||||||
| 100 | US5465291A (John Barrus, 1995) | (Original Assignee) Barrus; John; Holly; Krisztina; Cassidy; Michael (Current Assignee) Artisoft Inc | Apparatus for ordering from remote locations | ▪ service providers, service providers make purchases ≈ such items ▪ bridge computer to settle accounts ≈ bar code | X | X | X | X | X | X | X | ||||||||
| 101 | US5715314A (Andrew C. Payne, 1998) | (Original Assignee) Open Market Inc (Current Assignee) Soverain Software LLC ; Open Market Inc | Network sales system | ▪ user device ≈ said database ▪ user account, service provider accounts ≈ user account ▪ screen option ≈ one computer | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses standard techniques for establishing an authenticated channel between computers… ▪ teaches a payment link is generated by recipient of funds see at least paragraph… ▪ teaches entering a personal identi cation and inserting a smart card into a smart card reader gure… ▪ teaches a signature determining unit determining validity of said communication information said second history… | X | X | X | ||||||||||
| 102 | US5590196A (Thierry Moreau, 1996) | (Original Assignee) Connotech Experts Conseils Inc (Current Assignee) CONNOTECH EXPERTS-CONSEILS Inc ; Connotech Experts Conseils Inc | Secure payment method using facsimile | ▪ vendor computer ≈ identifying information, secure storage ▪ credit card service charge fees ≈ financial institution ▪ service providers, bridge operator ≈ service providers | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ discloses that an advantage of the present invention is that a digital camera user can download image camera data to a… ▪ discloses a method comprising receiving data from a giver at a first time the data being used to identify a merchant at… ▪ discloses the battery is electrically connected to a first switch circuit… ▪ discloses that by providing an image ID it would allow for the automatic distribution of images… | X | X | X | X | X | X | X | X | X | ||||
| 103 | US5826241A (Lee H. Stein, 1998) | (Original Assignee) First Virtual Holdings Inc (Current Assignee) PayPal Inc | Computerized system for making payments and authenticating transactions over the internet | ▪ user account ≈ transaction identifier, payment process ▪ credit cards, service providers using credit cards ≈ financial information, credit card ▪ communications network ≈ transfer information ▪ electronic commerce system ≈ communicating means ▪ user ID ≈ sending information ▪ credit card service charge fees ≈ credit balance ▪ service charge ≈ service charge ▪ service provider accounts ≈ enabling users ▪ user device ≈ said database | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a method wherein the communicating of the payment identifier to the merchant server includes posting the… ▪ discloses the invention substantially as claimed including in a settlement apparatus performing a settlement of a… ▪ discloses a computerized system for making payments and authenticating transactions over the internet but does not… ▪ teaches a transaction card applied to payment of postal services see… | X | X | X | X | X | X | |||||||
| 104 | JPH0869491A (Hiroto Akatsuka, 1996) | (Original Assignee) Fujitsu Ltd; 富士通株式会社 | Point system | ▪ user device ≈ システム, performing ▪ purchase price ≈ の購入 | X | X | |||||||||||||
| 105 | US5592378A (Paul S. Cameron, 1997) | (Original Assignee) Andersen Consulting LLP (Current Assignee) Accenture Global Services Ltd | Computerized order entry system and method | ▪ electronic commerce ≈ data entry device ▪ vendor computer, vendor ID ≈ data capture | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches where a search engine site displays targeted advertising analogous to targeted upselling to users dependent on… ▪ discloses a computerized order entry system comprises determining the production availability accepting backorder and… ▪ teaches all of the above and further teaches communication using TCPIP protocol… ▪ teaches a banner or message is associated with the activities or entities column… | X | X | X | X | X | ||||||||
| 106 | WO9503570A2 (David W. Deaton, 1995) | (Original Assignee) Credit Verification Corporation | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories | ▪ credit card service charge fees, credit cards ≈ financial institutions, numerical data ▪ vendor ID ≈ unique identification ▪ vendor computer ≈ payment instrument ▪ product purchase ≈ product purchase ▪ user device ≈ said database ▪ user account ≈ stored data ▪ bridge computer to settle accounts ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a method for selective marketing in response to customer shopping histories with steps for analyzing spending… ▪ discloses customers purchasing patterns over a period of time paragraph… ▪ discloses mailing purchase incentives to targeted customers as opposed to providing the purchase incentives to the… ▪ discloses providing a rule set to the authorization system in column… | X | X | X | X | X | X | X | X | X | X | |||
| 107 | US5484988A (Robert R. Hills, 1996) | (Original Assignee) Resource Tech Services Inc (Current Assignee) LML Patent Corp ; Resource Tech Services Inc | Checkwriting point of sale system | ▪ service providers, bridge operator ≈ service providers ▪ service provider computer ≈ external database ▪ credit cards ≈ approval message | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ teaches returning gift card description information for the gift card adjusting an account balance for an account… ▪ teaches the financial account comprises a debit account and the determined balance of the financial account at the… ▪ discloses a method for making a financial payment to a payee via a stored value SV card utilizing a mobile device… ▪ discloses wherein at least one of the control data capturer transaction data extractor and query issuer is implemented… | X | X | X | X | X | X | X | ||||||
| 108 | US5557518A (Sholom S. Rosen, 1996) | (Original Assignee) Citibank NA (Current Assignee) Citibank NA | Trusted agents for open electronic commerce | ▪ communications network, bridge computer to maintain accounts ≈ communications network ▪ electronic commerce, electronic commerce system ≈ electronic commerce ▪ credit card service charge fees, credit cards ≈ electronic ticket, money modules | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a transaction card applied to payment of postal services see… ▪ teaches a signature determining unit determining validity of said communication information said second history… ▪ discloses a of ways in which bill pay service payments were functioning at the time of… ▪ discloses a payroll deduction system and method including provision for financing and dispute resolution… | X | X | X | ||||||||||
| 109 | US5388165A (David W. Deaton, 1995) | (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp | Method and system for building a database and performing marketing based upon prior shopping history | ▪ vendor ID ≈ unique identification ▪ product purchase ≈ product purchase ▪ user device ≈ said database ▪ bridge computer to settle accounts ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses that it is known to provide a step of manipulating the dollar amount and time of purchase as set forth at… ▪ teaches a paperless system for distributing redeeming and clearing merchandise coupons in which a customer presents… ▪ teaches a settlement suspending unit and a settlement resuming unit and the resuming the suspended transaction is… ▪ discloses electronically sending the personalized saving sheet to the consumer prior to the consumer entering the retail… | X | X | X | X | X | X | |||||||
| 110 | US5398932A (Lyle N. Eberhardt, 1995) | (Original Assignee) Video Lottery Tech Inc (Current Assignee) International Game Technology | Video lottery system with improved site controller and validation unit | ▪ communications network, bridge computer to maintain accounts ≈ communications network ▪ credit cards ≈ information storage, multiple types ▪ service charge ≈ broadcast packet ▪ user ID ≈ message header ▪ service providers make purchases ≈ up operation ▪ user account ≈ time set | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches generation of enlarged participatory broadcast audience… ▪ teaches a method of providing rights data objects to a device having access to encrypted content comprising all… ▪ discloses an apparatus within a tamper resistant circuit module column… ▪ teaches inserting advertisements to be displayed on the screen when the games are being played… | X | X | X | X | X | X | |||||||
| 111 | US5380991A (Luis Valencia, 1995) | (Original Assignee) Valencia; Luis; Howe; John | Paperless coupon redemption system and method thereof | ▪ purchase price ≈ product information ▪ user device ≈ central location ▪ credit cards ≈ smart card | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses transmitting coupon data to a computer screen over a computer network and writing the coupon data onto a smart… ▪ discloses that the card for storing coupon information is special col… ▪ discloses wherein and electronic funds transfer EFT network permits a central controller to transfer funds among… ▪ discloses a system for providing shoppers cards or value cards to targeted customers for participating in an incentive… | X | X | X | ||||||||||
| 112 | US5524073A (Leon Stambler, 1996) | (Original Assignee) Stambler; Leon | Secure transaction system and method utilized therein | ▪ communications network ≈ transfer information ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses a method and apparatus for an electronic transaction between a network and a portable electronic device… ▪ discloses the automated teller device as described in paragraph… ▪ teaches the using encrypted password to access the application onto the smart card to access the application onto the… ▪ discloses a query from the network operator to the user in which said query is intended to be a form of ensuring the… | X | ||||||||||||
| 113 | JPH0756888A (Yutaka Hirakawa, 1995) | (Original Assignee) Nippon Telegr & Teleph Corp <Ntt>; 日本電信電話株式会社 | Method and device for distributing software usage right | ▪ multiple service providers ≈ データベース, ネットワ ▪ new account ≈ 情報データ | X | X | |||||||||||||
| 114 | US5329589A (Alexander G. Fraser, 1994) | (Original Assignee) AT&T Bell Laboratories Inc (Current Assignee) Nokia Bell Labs | Mediation of transactions by a communications system | ▪ different service provider ≈ to establish connection ▪ user account ≈ transaction identifier ▪ electronic commerce, electronic commerce system ≈ one transaction | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches computer system for conducting an auction through a computer network the system comprising a posting means for… ▪ discloses the claimed invention except for determining that the buyer is present with the seller at the time of the… ▪ teaches displaying the highest bid on a screen to all online bidders… ▪ teaches a bid validation means for examining and validating a characteristic of the bid during and prior to a close of… | X | X | X | ||||||||||
| 115 | US5382779A (Om P. Gupta, 1995) | (Original Assignee) DIGICOMP Res Corp (Current Assignee) DIGICOMP Res Corp | Shelf price label verification apparatus and method | ▪ purchase price, service providers make purchases ≈ associated item ▪ credit card service charge fees ≈ storage device ▪ bridge computer to settle accounts ≈ audible alarm ▪ different service provider ≈ data link | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ discloses the comparison of the pricing and information relating the updated information with the current product… ▪ teaches a scanner for detecting and decoding primary and supplemental bar code labels comprising a laserlight source… ▪ discloses verifying the authenticity and ownership of a registered item or article by querying the accrediting authority… ▪ discloses a hologram with embedded attributes with encrypted protection and password or personal identification… | X | X | X | X | X | X | |||||||
| 116 | US5402872A (Grant G. Clurman, 1995) | (Original Assignee) Clurman; Grant G. | Environmental protective amusement and vending method and apparatus | ▪ vendor computer ≈ said platform ▪ service provider accounts ≈ said housing | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ discloses wherein the validation system is operable to redeem the funds associated with the electronic gaming machine… ▪ teaches that such individual jurisdictional settings would allow the invention to restrict access to certain games in… ▪ teaches electronically charging a fee for a transaction see column… ▪ teaches a slot machine prize redemption system wherein game machines send their outcomes to a remote server using a… | X | X | X | X | |||||||||
| 117 | US5327508A (David W. Deaton, 1994) | (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp | Method and system for building a database and performing marketing based upon prior shopping history | ▪ vendor ID ≈ unique identification ▪ bridge computer to settle accounts ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses that it is known to provide a step of manipulating the dollar amount and time of purchase as set forth at… ▪ teaches a paperless system for distributing redeeming and clearing merchandise coupons in which a customer presents… ▪ teaches a settlement suspending unit and a settlement resuming unit and the resuming the suspended transaction is… ▪ discloses electronically sending the personalized saving sheet to the consumer prior to the consumer entering the retail… | X | X | X | ||||||||||
| 118 | US5283731A (James E. Lalonde, 1994) | (Original Assignee) EC Corp (Current Assignee) EC Corp | Computer-based classified ad system and method | ▪ multiple service ≈ obtain information ▪ user device ≈ said database ▪ purchase price, purchase price using funds ≈ other items ▪ service providers, service providers make purchases ≈ such items | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses all of the elements of the claimed invention but fails to explicitly disclose the standard processing unit and… ▪ teaches methods of optimizing callcenter performance by assigning the best suited available customer service agent to… ▪ teaches customer service being implemented by a system of computers that can be distributed across a network and… ▪ teaches the customer making a request for product information the system collecting customer information and having an… | X | X | X | X | X | X | X | X | |||||
| 119 | US5287268A (Patrick D. McCarthy, 1994) | (Original Assignee) Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants | ▪ credit cards, service providers using credit cards ≈ multiple merchants ▪ user device ≈ central location ▪ s account ≈ s account | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ teaches a computerized method of changing credits in payor accounts from nancial transactions between one or more… ▪ discloses wherein the cash dispensing unit comprises an automated teller machine col… ▪ teaches that it is old and well known in the promotion art to know for merchants to pay a percentage of resulting… ▪ teaches a method of activating a warranty for a purchased item of a product the method comprising a receiving data… | X | X | X | ||||||||||
| 120 | EP0542298A2 (Sholom S. Rosen, 1993) | (Original Assignee) Citibank NA (Current Assignee) Citibank NA | Electronic monetary system | ▪ credit card service charge fees, credit cards ≈ demand deposits ▪ purchase price using funds ≈ public key | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches notice of whether the request has been granted or denied to a user… ▪ discloses all the subject matter of the method as discussed above with respect to claim… ▪ discloses allowing a bank customer when requesting an instrument to specify the address of the payee of the instrument… ▪ teaches electronic and person assisted dispute resolution and customer support services col… | X | X | X | ||||||||||
| 121 | US5353218A (James P. De Lapa, 1994) | (Original Assignee) Ad Response Micromarketing Corp (Current Assignee) Catalina Marketing Corp | Focused coupon system | ▪ user attempts to purchase products ≈ data record ▪ bridge computer to settle accounts ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a method for receiving the identification of a sweepstakes program… ▪ teaches sending point balance to customer via a status report that comes in the mail the status report containing… ▪ discloses at least some of the claimed features andor limitations if not all and should be duly noted… ▪ discloses utilizing a POScashiercheckout station at a retail store… | X | X | |||||||||||
| 122 | US5276311A (Hartmut Hennige, 1994) | (Original Assignee) Hartmut Hennige (Current Assignee) E-PASS TECHNOLOGIES Inc | Method and device for simplifying the use of a plurality of credit cards, or the like | ▪ contains information ≈ predetermined power ▪ bridge computer to maintain accounts ≈ electrical contacts ▪ credit card service charge fees, credit cards ≈ credit cards ▪ user account ≈ stored data ▪ screen option ≈ one display ▪ user attempts to purchase products ≈ very time | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) ▪ 35 U.S.C. 102(b) | ▪ teaches tracking multiple account information in order to maximize financial performance of an account and utilizes as… ▪ teaches a first display panel for displaying said portrait image… ▪ teaches a card with a magnetic emulator to output data blocks FIG… ▪ teaches that certain application required additions levels of transaction security and providing unique data for… | X | X | X | X | X | ||||||||
| 123 | US5369705A (Raymond F. Bird, 1994) | (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp | Multi-party secure session/conference | ▪ communications network, bridge computer to maintain accounts ≈ communications network ▪ different service, different service provider ≈ time elapse ▪ contains information ≈ user U | X | X | X | X | X | ||||||||||
| 124 | US5201010A (David W. Deaton, 1993) | (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp | Method and system for building a database and performing marketing based upon prior shopping history | ▪ electronic commerce ≈ data terminal ▪ user device ≈ said database ▪ user account ≈ stored data | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses that it is known to provide a step of manipulating the dollar amount and time of purchase as set forth at… ▪ teaches a paperless system for distributing redeeming and clearing merchandise coupons in which a customer presents… ▪ teaches a settlement suspending unit and a settlement resuming unit and the resuming the suspended transaction is… ▪ discloses electronically sending the personalized saving sheet to the consumer prior to the consumer entering the retail… | X | X | |||||||||||
| 125 | US5237620A (David W. Deaton, 1993) | (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp | Check reader method and system for reading check MICR code | ▪ user device ≈ said database ▪ user account ≈ stored data | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ discloses that it is known to provide a step of manipulating the dollar amount and time of purchase as set forth at… ▪ teaches a paperless system for distributing redeeming and clearing merchandise coupons in which a customer presents… ▪ teaches a settlement suspending unit and a settlement resuming unit and the resuming the suspended transaction is… ▪ teaches wherein processing the at least one of the smart triggers comprises the task identi er from the smart trigger… | X | X | |||||||||||
| 126 | US5305196A (David W. Deaton, 1994) | (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp | Check transaction processing, database building and marketing method and system utilizing automatic check reading | ▪ user device ≈ said database ▪ communications network ≈ further data ▪ bridge computer to settle accounts ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a method for selective marketing in response to customer shopping histories with steps to include summarizing… ▪ discloses customers purchasing patterns over a period of time paragraph… ▪ discloses mailing purchase incentives to targeted customers as opposed to providing the purchase incentives to the… ▪ teaches wherein processing the at least one of the smart triggers comprises the task identi er from the smart trigger… | X | X | X | ||||||||||
| 127 | WO9215174A1 (Hillard T. Grusin, 1992) | (Original Assignee) Beaumont-Maxin International Limited | Interactive transaction processing system | ▪ contains information ≈ contains information ▪ different service ≈ subscriber terminal ▪ electronic commerce ≈ interactive system, data terminal | ▪ 35 U.S.C. 103(a) | ▪ discloses a system for distributing an electronic publication… | X | X | X | X | |||||||||
| 128 | US5375055A (Michael Togher, 1994) | (Original Assignee) Foreign Exchange Transaction Services Inc (Current Assignee) EBS Dealing Resources Inc | Credit management for electronic brokerage system | ▪ communications network, bridge computer to maintain accounts ≈ communications network ▪ multiple service providers ≈ financial instruments ▪ credit card service charge fees, credit cards ≈ electronic credit ▪ purchase price ≈ electronic price | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches that allowances may be bought sold or banked if a participant unit has surplus allowances it may sell them to… ▪ teaches the motivation to include in payment cost factors timeliness of payment payor desired timelags risk of… ▪ discloses the trading system is an electronic brokerage system having a communication network for facilitating the… ▪ teaches wherein the information about the merchant comprises a merchant type categorization that groups the merchant… | X | X | X | ||||||||||
| 129 | US5205200A (John J. Wright, 1993) | (Original Assignee) Wright John J | Hydraulic booster device for linear actuator | ▪ multiple service ≈ axial passageway ▪ service provider accounts ≈ said housing | X | ||||||||||||||
| 130 | US5202826A (Patrick D. McCarthy, 1993) | (Original Assignee) Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants | ▪ credit cards, service providers using credit cards ≈ multiple merchants ▪ user device ≈ central location | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) | ▪ teaches a computerized method of changing credits in payor accounts from nancial transactions between one or more… ▪ discloses wherein the cash dispensing unit comprises an automated teller machine col… ▪ teaches that it is old and well known in the promotion art to know for merchants to pay a percentage of resulting… ▪ teaches a method of activating a warranty for a purchased item of a product the method comprising a receiving data… | X | X | X | ||||||||||
| 131 | US5256863A (William L. Ferguson, 1993) | (Original Assignee) Comark Technologies Inc (Current Assignee) Comark Technologies Inc | In-store universal control system | ▪ credit cards, service providers using credit cards ≈ financial information, card information ▪ communications network ≈ transfer information ▪ credit card service charge fees ≈ currency conversion ▪ product purchase, user attempts to purchase products ≈ purchase data ▪ electronic commerce ≈ POS terminal ▪ bridge computer to settle accounts ≈ bar code | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches the motivation of utilizing the merchant code in order to identify the blocked or restricted merchants… ▪ teaches method and apparatus for electronically clearing and processing bar coded discount coupons in page… ▪ teaches funds allocated to account from parent company and from rewards for performance para… ▪ teaches wherein said plurality of variables comprises a store column… | X | X | X | X | X | X | |||||||
| 132 | US5142578A (Stephen M. Matyas, 1992) | (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp | Hybrid public key algorithm/data encryption algorithm key distribution method based on control vectors | ▪ credit card service charge fees ≈ cryptographic communication ▪ communications network, bridge computer to maintain accounts ≈ communications network ▪ purchase price using funds ≈ public key | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(e) | ▪ discloses a system and method for backup and restore of context encryption key for a trusted device within a secured… ▪ teaches deleting authentication information when unauthorized use of user equipment occurs… ▪ discloses the information processing apparatus according to claim… ▪ discloses that public key systems are bases on dispensing with the secret key distribution channel as long as the… | X | X | X | ||||||||||
| 133 | WO9116691A1 (Timothy Lloyd Jones, 1991) | (Original Assignee) Jonhig Limited | Value transfer system | ▪ user account ≈ transaction identifier ▪ purchase price using funds ≈ public key | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches the motivation of sending a notification if the validity check fails so that the user may be informed… ▪ discloses all the subject matter of the method as discussed above with respect to claim… ▪ discloses allowing a bank customer when requesting an instrument to specify the address of the payee of the instrument… ▪ teaches an improved monetary system using electronic media to exchange economic value securely and reliably… | X | ||||||||||||
| 134 | US5297032A (Donald R. Trojan, 1994) | (Original Assignee) Merrill Lynch Pierce Fenner and Smith Inc (Current Assignee) Bank of America Corp | Securities trading workstation | ▪ multiple service providers ≈ financial instruments ▪ user device, product purchase ≈ said database, low price | X | X | X | X | |||||||||||
| 135 | US5135224A (Hiroshi Yamamoto, 1992) | (Original Assignee) Leisure Create Co Ltd; Newgin Co Ltd (Current Assignee) Leisure Create Co Ltd ; Newgin Co Ltd | Pattern matching game machine of prepaid card system | ▪ purchase price using funds ≈ said operation ▪ credit card service charge fees ≈ random number ▪ electronic commerce, electronic commerce system ≈ said belt | ▪ 35 U.S.C. 103(a) ▪ 35 U.S.C. 102(b) ▪ 35 U.S.C. 102(e) | ▪ teaches a method comprising providing the termination value to the player discontinuing play of the bonus game see… ▪ teaches a menudriven system and states that menudriven systems are easy to operate… ▪ discloses comparing a participation history of the bidder and the second bidder and awarding the product based on the… ▪ discloses this limitation in an analogous art for the purpose of securely showing times that a user submits his or her… | X | X | |||||||||||
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | SCIENCE OF COMPUTER PROGRAMMING. 21 (2): 93-113 OCT 1993 Publication Year: 1993 AUTHENTICATION AND DELEGATION WITH SMART-CARDS Digital Equipment Corporation (DEC) Abadi, Burrows, Kaufman, Lampson |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (when users) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (mutual authentication) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
AUTHENTICATION AND DELEGATION WITH SMART-CARDS . The authentication of users in distributed systems poses special problems because users lack the ability to encrypt and decrypt . The same problems arise when users (electronic commerce, electronic commerce system) wish to delegate some of their authority to nodes , after mutual authentication (user account, user ID) . In most systems today , the user is forced to trust the node he wants to use . In a more satisfactory design , the user carries a smart-card with sufficient computing power to assist him ; the card provides encryption and decryption capabilities for authentication and delegation . Authentication is relatively straightforward with a powerful enough smart-card . However , for practical reasons , protocols that place few demands on smart-cards should be considered . These protocols are subtle , as they rely on fairly complex trust relations between the principals in the system (users , hosts , services) . In this paper , we discuss a range of public-key smart-card protocols , and analyze their assumptions and the guarantees they offer . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (mutual authentication) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
AUTHENTICATION AND DELEGATION WITH SMART-CARDS . The authentication of users in distributed systems poses special problems because users lack the ability to encrypt and decrypt . The same problems arise when users wish to delegate some of their authority to nodes , after mutual authentication (user account, user ID) . In most systems today , the user is forced to trust the node he wants to use . In a more satisfactory design , the user carries a smart-card with sufficient computing power to assist him ; the card provides encryption and decryption capabilities for authentication and delegation . Authentication is relatively straightforward with a powerful enough smart-card . However , for practical reasons , protocols that place few demands on smart-cards should be considered . These protocols are subtle , as they rely on fairly complex trust relations between the principals in the system (users , hosts , services) . In this paper , we discuss a range of public-key smart-card protocols , and analyze their assumptions and the guarantees they offer . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | LECTURE NOTES IN COMPUTER SCIENCE. 526: 326-345 1991 Publication Year: 1991 AUTHENTICATION AND DELEGATION WITH SMART-CARDS Digital Equipment Corporation (DEC) Abadi, Burrows, Kaufman, Lampson |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (when users) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (mutual authentication) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
AUTHENTICATION AND DELEGATION WITH SMART-CARDS . The authentication of users in distributed systems poses special problems because users lack the ability to encrypt and decrypt . The same problems arise when users (electronic commerce, electronic commerce system) wish to delegate some of their authority to nodes , after mutual authentication (user account, user ID) . In most systems today , the user is forced to trust the node he wants to use . In a more satisfactory design , the user carries a smart-card with sufficient computing power to assist him ; the card provides encryption and decryption capabilities for authentication and delegation . Authentication is relatively straightforward with a powerful enough smart-card . However , for practical reasons , protocols that place few demands on smart-cards should be considered . These protocols are subtle , as they rely on fairly complex trust relations between the principals in the system (users , hosts , services) . In this paper , we discuss a range of public-key smart-card protocols , and analyze their assumptions and the guarantees they offer . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (mutual authentication) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
AUTHENTICATION AND DELEGATION WITH SMART-CARDS . The authentication of users in distributed systems poses special problems because users lack the ability to encrypt and decrypt . The same problems arise when users wish to delegate some of their authority to nodes , after mutual authentication (user account, user ID) . In most systems today , the user is forced to trust the node he wants to use . In a more satisfactory design , the user carries a smart-card with sufficient computing power to assist him ; the card provides encryption and decryption capabilities for authentication and delegation . Authentication is relatively straightforward with a powerful enough smart-card . However , for practical reasons , protocols that place few demands on smart-cards should be considered . These protocols are subtle , as they rely on fairly complex trust relations between the principals in the system (users , hosts , services) . In this paper , we discuss a range of public-key smart-card protocols , and analyze their assumptions and the guarantees they offer . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | 1997 IEEE AEROSPACE CONFERENCE PROCEEDINGS, VOL 4. : 159-170 1997 Publication Year: 1997 Digital Signatures - Whom Do You Trust? Bull HN Information Systems Inc Kesterson, Ieee |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (electronic commerce) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (public key cryptography) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
Digital Signatures - Whom Do You Trust? . This paper describes the current status of the efforts to attribute a level of confidence in the use of public key cryptography (different service, different service provider) especially when used for digital signatures . In particular it focuses on the standardization efforts , both international and national , to define the framework for an infrastructure that allow digital signatures to be used in place of a paper signature for business transactions . That framework encompasses technical , business , and legal issues that must be addressed to enable such electronic commerce (electronic commerce, electronic commerce system) . This paper describes the initial definition of a public key certificate (known as X . 509) , the early efforts to use that definition , and the recent extensions to the definition to address problems found in those early efforts . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (public key cryptography) provider . |
Digital Signatures - Whom Do You Trust? . This paper describes the current status of the efforts to attribute a level of confidence in the use of public key cryptography (different service, different service provider) especially when used for digital signatures . In particular it focuses on the standardization efforts , both international and national , to define the framework for an infrastructure that allow digital signatures to be used in place of a paper signature for business transactions . That framework encompasses technical , business , and legal issues that must be addressed to enable such electronic commerce . This paper describes the initial definition of a public key certificate (known as X . 509) , the early efforts to use that definition , and the recent extensions to the definition to address problems found in those early efforts . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (public key cryptography) provider . |
Digital Signatures - Whom Do You Trust? . This paper describes the current status of the efforts to attribute a level of confidence in the use of public key cryptography (different service, different service provider) especially when used for digital signatures . In particular it focuses on the standardization efforts , both international and national , to define the framework for an infrastructure that allow digital signatures to be used in place of a paper signature for business transactions . That framework encompasses technical , business , and legal issues that must be addressed to enable such electronic commerce . This paper describes the initial definition of a public key certificate (known as X . 509) , the early efforts to use that definition , and the recent extensions to the definition to address problems found in those early efforts . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | COMPUTER NETWORKS AND ISDN SYSTEMS. 28 (7-11): 1197-1206 MAY 1996 Publication Year: 1996 An Intermediation And Payment System Technology GC Tech SA. Pays, Decomarmond |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (electronic commerce) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
An Intermediation And Payment System Technology . This paper presents the Globe-ID(R) [3] electronic commerce (electronic commerce, electronic commerce system) enabling technology designed and developed by Gd-Tech [2] . The most important design goal was to address electronic commerce as a whole , securing the essential steps of each e-commerce transaction : the offer , the order and the payment . Globe-ID(R) is a system based on an intermediation Server which acts as a trusted third party for merchants and consumers . It contributes directly to the securization and notarization of the transactions , manages the e-commerce actors' accounts , and acts as a gateway to the private networks of traditional financial instruments . This paper presents the model , the protocol , and security features of this technology . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (financial instruments) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
An Intermediation And Payment System Technology . This paper presents the Globe-ID(R) [3] electronic commerce enabling technology designed and developed by Gd-Tech [2] . The most important design goal was to address electronic commerce as a whole , securing the essential steps of each e-commerce transaction : the offer , the order and the payment . Globe-ID(R) is a system based on an intermediation Server which acts as a trusted third party for merchants and consumers . It contributes directly to the securization and notarization of the transactions , manages the e-commerce actors' accounts , and acts as a gateway to the private networks of traditional financial instruments (multiple service providers) . This paper presents the model , the protocol , and security features of this technology . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | INTERNET RESEARCH-ELECTRONIC NETWORKING APPLICATIONS AND POLICY. 5 (2): 25-& 1995 Publication Year: 1995 THE NASA TECHNICAL REPORT SERVER NASA - National Aeronautics and Space Administration, Smithsonian Astrophysical Observatory Nelson, Gottlich, Bianco, Paulson, Binkley, Kellogg, Beaumont, Schmunk, Kurtz, Accomazzi, Syed |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (based information) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site (Wide Web) provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
THE NASA TECHNICAL REPORT SERVER . The National Aeronautics and Space Act of 1958 established the National Aeronautics and Space Administration (NASA) and charged it to ''provide for the widest practicable and appropriate dissemination of information concerning . ; . : its activities and the results thereof'' . The search for innovative methods to distribute NASA's information led a grass-roots team to create the NASA Technical Report Server (NTRS) , which uses the World Wide Web (web site) and other popular Internet-based information (electronic commerce) systems . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (Wide Web) and wherein the method further comprises using the bridge computer to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
THE NASA TECHNICAL REPORT SERVER . The National Aeronautics and Space Act of 1958 established the National Aeronautics and Space Administration (NASA) and charged it to ''provide for the widest practicable and appropriate dissemination of information concerning . ; . : its activities and the results thereof'' . The search for innovative methods to distribute NASA's information led a grass-roots team to create the NASA Technical Report Server (NTRS) , which uses the World Wide Web (web site) and other popular Internet-based information systems . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (Wide Web) on the vendor computer to offer the product for sale . |
THE NASA TECHNICAL REPORT SERVER . The National Aeronautics and Space Act of 1958 established the National Aeronautics and Space Administration (NASA) and charged it to ''provide for the widest practicable and appropriate dissemination of information concerning . ; . : its activities and the results thereof'' . The search for innovative methods to distribute NASA's information led a grass-roots team to create the NASA Technical Report Server (NTRS) , which uses the World Wide Web (web site) and other popular Internet-based information systems . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (Wide Web) on the vendor computer to offer the product for sale . |
THE NASA TECHNICAL REPORT SERVER . The National Aeronautics and Space Act of 1958 established the National Aeronautics and Space Administration (NASA) and charged it to ''provide for the widest practicable and appropriate dissemination of information concerning . ; . : its activities and the results thereof'' . The search for innovative methods to distribute NASA's information led a grass-roots team to create the NASA Technical Report Server (NTRS) , which uses the World Wide Web (web site) and other popular Internet-based information systems . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | COMPUTER. 26 (9): 25-35 SEP 1993 Publication Year: 1993 INTERNET RESOURCE DISCOVERY AT THE UNIVERSITY-OF-COLORADO University of Colorado Boulder Schwartz |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (assisting users) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
INTERNET RESOURCE DISCOVERY AT THE UNIVERSITY-OF-COLORADO . The Internet is a collection of thousands of networks connecting millions of users at academic , industrial , and government institutions worldwide . This extensive connectivity offers tremendous potential for collaboration and sharing of resources , such as documents , data , network services , and personal expertise . Yet locating resources of interest is difficult because of the scale , administrative decentralization , and constantly changing nature of the environment . In this article , the author discusses aspects of the resource discovery problem : how users specify searches , the difference between discovering classes of resources and locating appropriate instances , system-management problems that can be cast as global state discovery searches , issues involved with characterizing resources and with the efficient distribution of characterizing information , and social issues , especially privacy . The author presents results of efforts to address these problems as part of the Networked Resource Discovery Project at the University of Colorado . These efforts use a variety of experimental approaches , including prototype systems , network measurement studies , and simulation studies . The author provides brief overviews of a half dozen of these efforts : the Netfind Internet user directory service measurements of popular file duplicate transmission rates in the Internet , algorithms for discovering shared interests among people based on graph analysis , simulation results for a probabilistic approach to distributing source information , and a prototype system for assisting users (different service) in locating Internet file archives . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (assisting users) provider . |
INTERNET RESOURCE DISCOVERY AT THE UNIVERSITY-OF-COLORADO . The Internet is a collection of thousands of networks connecting millions of users at academic , industrial , and government institutions worldwide . This extensive connectivity offers tremendous potential for collaboration and sharing of resources , such as documents , data , network services , and personal expertise . Yet locating resources of interest is difficult because of the scale , administrative decentralization , and constantly changing nature of the environment . In this article , the author discusses aspects of the resource discovery problem : how users specify searches , the difference between discovering classes of resources and locating appropriate instances , system-management problems that can be cast as global state discovery searches , issues involved with characterizing resources and with the efficient distribution of characterizing information , and social issues , especially privacy . The author presents results of efforts to address these problems as part of the Networked Resource Discovery Project at the University of Colorado . These efforts use a variety of experimental approaches , including prototype systems , network measurement studies , and simulation studies . The author provides brief overviews of a half dozen of these efforts : the Netfind Internet user directory service measurements of popular file duplicate transmission rates in the Internet , algorithms for discovering shared interests among people based on graph analysis , simulation results for a probabilistic approach to distributing source information , and a prototype system for assisting users (different service) in locating Internet file archives . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (assisting users) provider . |
INTERNET RESOURCE DISCOVERY AT THE UNIVERSITY-OF-COLORADO . The Internet is a collection of thousands of networks connecting millions of users at academic , industrial , and government institutions worldwide . This extensive connectivity offers tremendous potential for collaboration and sharing of resources , such as documents , data , network services , and personal expertise . Yet locating resources of interest is difficult because of the scale , administrative decentralization , and constantly changing nature of the environment . In this article , the author discusses aspects of the resource discovery problem : how users specify searches , the difference between discovering classes of resources and locating appropriate instances , system-management problems that can be cast as global state discovery searches , issues involved with characterizing resources and with the efficient distribution of characterizing information , and social issues , especially privacy . The author presents results of efforts to address these problems as part of the Networked Resource Discovery Project at the University of Colorado . These efforts use a variety of experimental approaches , including prototype systems , network measurement studies , and simulation studies . The author provides brief overviews of a half dozen of these efforts : the Netfind Internet user directory service measurements of popular file duplicate transmission rates in the Internet , algorithms for discovering shared interests among people based on graph analysis , simulation results for a probabilistic approach to distributing source information , and a prototype system for assisting users (different service) in locating Internet file archives . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service (network services) providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
INTERNET RESOURCE DISCOVERY AT THE UNIVERSITY-OF-COLORADO . The Internet is a collection of thousands of networks connecting millions of users at academic , industrial , and government institutions worldwide . This extensive connectivity offers tremendous potential for collaboration and sharing of resources , such as documents , data , network services (multiple service, multiple service providers) , and personal expertise . Yet locating resources of interest is difficult because of the scale , administrative decentralization , and constantly changing nature of the environment . In this article , the author discusses aspects of the resource discovery problem : how users specify searches , the difference between discovering classes of resources and locating appropriate instances , system-management problems that can be cast as global state discovery searches , issues involved with characterizing resources and with the efficient distribution of characterizing information , and social issues , especially privacy . The author presents results of efforts to address these problems as part of the Networked Resource Discovery Project at the University of Colorado . These efforts use a variety of experimental approaches , including prototype systems , network measurement studies , and simulation studies . The author provides brief overviews of a half dozen of these efforts : the Netfind Internet user directory service measurements of popular file duplicate transmission rates in the Internet , algorithms for discovering shared interests among people based on graph analysis , simulation results for a probabilistic approach to distributing source information , and a prototype system for assisting users in locating Internet file archives . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US20020038255A1 Filed: 2001-06-12 Issued: 2002-03-28 Universal shopping cart and order injection system (Original Assignee) InfoSpace Inc (Current Assignee) Liberty Peak Ventures LLC Martin Tarvydas, Mark Sandori, Eric Maple, Timothy Byerly, Matthew Markus |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (network interface, face component) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (Web site) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US20020038255A1 CLAIM 12 . The method of claim 1 , wherein the process of injecting said product order is performed according to an order injection process comprising obtaining services from a merchant Web site (different service, multiple service) associated with said selected product ; pattern matching said services to find a set of common characteristics of said services ; and creating service equivalent classes that contain essential details required to navigate said merchant Web site and place said product order . US20020038255A1 CLAIM 40 . An apparatus for processing product orders from a consumer via a network to provide a consistent user interface for the consumer to view product information and order products from a plurality of merchants , comprising : a network interface (vendor computer) unit for interfacing the network ; a memory unit for storing a universal shopping cart service program and a universal shopping cart database ; and a processing unit operative to process product orders from the consumer according to said universal shopping cart service program by : displaying product information from the merchants ; storing at least one selected product selected by the consumer to said universal shopping cart database ; and injecting at least one product order to the merchant associated with said at least one selected product in said universal shopping cart database . US20020038255A1 CLAIM 47 . A computer-readable medium having computer-executable components for providing a consistent consumer shopping interface comprising : a search component for searching product information from at least one merchant ; a user interface component (vendor computer) for displaying said product information ; product order processing component for injecting at least one product order to said merchant associated with at least one product selected by a consumer without directing said consumer to said merchant' ; s site . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (Web site) provider . |
US20020038255A1 CLAIM 12 . The method of claim 1 , wherein the process of injecting said product order is performed according to an order injection process comprising obtaining services from a merchant Web site (different service, multiple service) associated with said selected product ; pattern matching said services to find a set of common characteristics of said services ; and creating service equivalent classes that contain essential details required to navigate said merchant Web site and place said product order . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (Web site) provider . |
US20020038255A1 CLAIM 12 . The method of claim 1 , wherein the process of injecting said product order is performed according to an order injection process comprising obtaining services from a merchant Web site (different service, multiple service) associated with said selected product ; pattern matching said services to find a set of common characteristics of said services ; and creating service equivalent classes that contain essential details required to navigate said merchant Web site and place said product order . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service (Web site) providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US20020038255A1 CLAIM 12 . The method of claim 1 , wherein the process of injecting said product order is performed according to an order injection process comprising obtaining services from a merchant Web site (different service, multiple service) associated with said selected product ; pattern matching said services to find a set of common characteristics of said services ; and creating service equivalent classes that contain essential details required to navigate said merchant Web site and place said product order . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (network interface, face component) to offer the product for sale . |
US20020038255A1 CLAIM 40 . An apparatus for processing product orders from a consumer via a network to provide a consistent user interface for the consumer to view product information and order products from a plurality of merchants , comprising : a network interface (vendor computer) unit for interfacing the network ; a memory unit for storing a universal shopping cart service program and a universal shopping cart database ; and a processing unit operative to process product orders from the consumer according to said universal shopping cart service program by : displaying product information from the merchants ; storing at least one selected product selected by the consumer to said universal shopping cart database ; and injecting at least one product order to the merchant associated with said at least one selected product in said universal shopping cart database . US20020038255A1 CLAIM 47 . A computer-readable medium having computer-executable components for providing a consistent consumer shopping interface comprising : a search component for searching product information from at least one merchant ; a user interface component (vendor computer) for displaying said product information ; product order processing component for injecting at least one product order to said merchant associated with at least one product selected by a consumer without directing said consumer to said merchant' ; s site . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (network interface, face component) to offer the product for sale . |
US20020038255A1 CLAIM 40 . An apparatus for processing product orders from a consumer via a network to provide a consistent user interface for the consumer to view product information and order products from a plurality of merchants , comprising : a network interface (vendor computer) unit for interfacing the network ; a memory unit for storing a universal shopping cart service program and a universal shopping cart database ; and a processing unit operative to process product orders from the consumer according to said universal shopping cart service program by : displaying product information from the merchants ; storing at least one selected product selected by the consumer to said universal shopping cart database ; and injecting at least one product order to the merchant associated with said at least one selected product in said universal shopping cart database . US20020038255A1 CLAIM 47 . A computer-readable medium having computer-executable components for providing a consistent consumer shopping interface comprising : a search component for searching product information from at least one merchant ; a user interface component (vendor computer) for displaying said product information ; product order processing component for injecting at least one product order to said merchant associated with at least one product selected by a consumer without directing said consumer to said merchant' ; s site . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US20010011236A1 Filed: 2001-03-22 Issued: 2001-08-02 Multi-level marketing computer network server (Original Assignee) Shell Allyn M. Allyn Shell |
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| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts (personal data) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (card information, credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US20010011236A1 CLAIM 4 . The server system identified in claim 3 wherein the means for acquiring the payment for the product is comprised of a) a means for obtaining credit card information (credit card (credit cards, service providers using credit cards) s, service providers using credit cards) , b) a means for validating credit , and c) a means for capturing payment . US20010011236A1 CLAIM 8 . The server system identified in claim 1 wherein the means for calculating multi-level commissions and other fees is comprised of : a) a means for accepting the information that identifies the amount or percentage to be paid to each individual commission level of a multi-level commission structure , b) a means for storing a multi-level commission structure which contains at least the amount or percentage to be paid to each individual commission level , c) a means for storing records of individual sellers which contains at least (1) a means for storing individual seller' ; s personal data (service provider accounts) , (2) a means for storing individual seller' ; s method of pay information , and (3) a means for identifying the next level seller . d) a means for calculating commissions using a multi-level commission structure , and e) a means for calculating other fees and associating them with the appropriate payees . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2002216020A Filed: 2001-01-23 Issued: 2002-08-02 オンラインモールシステム及びオンラインモールのショップサイト更新方法並びにオンラインモールのショップサイト更新用プログラム (Original Assignee) Michiaki Tomioka; 道明 富岡 Michiaki Tomioka, 道明 富岡 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム, データ) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider (情報送信) ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2002216020A CLAIM 1 【請求項１】 複数のユーザ端末にネットワークを介し て接続され、複数のショップがショップサイトを開設す るオンラインモールサーバを備えたオンラインモールシ ステムにおいて、 前記オンラインモールサーバに前記ネットワークを介し て接続される前記所定のショップが所持するデジタルカ メラを備え、このデジタルカメラが、当該カメラ自体の 動作を制御するカメラ制御部を有すると共に、当該デジ タルカメラに、外部機器と相互に交信する通信手段と、 所定の情報を記憶する不揮発メモリと、所定の指令を入 力する操作部とを備え、 この操作部は、少なくとも前記デジタルカメラが取り込 んだ画像を前記オンラインモールサーバに送信する指令 を入力する画像送信手段を有し、 前記不揮発メモリに、当該デジタルカメラを所持する所 定のショップを識別するショップ識別コードを記憶する と共に、このショップ識別コードと当該デジタルカメラ が取り込んだ画像とを前記画像送信手段が操作された時 に前記オンラインモールサーバに送信する画像送信機能 を、前記カメラ制御部が備え、 前記オンラインモールサーバが、受信したショップ識別 コードに対応するショップサイトのコンテンツを当該シ ョップ識別コードと共に受信した画像に基づいて更新す るサイト更新機能を備えたことを特徴とするオンライン モールシステム (user device) 。 JP2002216020A CLAIM 4 【請求項４】 前記オンラインモールサーバが、前記シ ョップサイトを開設するショップに関するショップデー タを有すると共に、前記ユーザ端末からの所定のショッ プに関する情報の取得要求を受信するショップ情報要求 受信機能と、前記オンラインモールサーバが有するショ ップデータ (user device) のうち前記ユーザ端末にて要求されたショッ プのショップデータを当該ユーザ端末に送信するショッ プデータ送信機能とを備えた特徴とする請求項１，２又 は３記載のオンラインモールシステム。 JP2002216020A CLAIM 6 【請求項６】 前記オンラインモールサーバが、前記ユ ーザ端末からのアクセス時に当該ユーザ端末から送信さ れるユーザ識別コードに基づいて当該ユーザ端末を識別 するユーザ端末識別機能と、この識別されたユーザ端末 ごとのアクセス数をカウントするアクセス数カウント機 能と、前記所定のユーザ端末の前記アクセス数が所定回 数を超えた場合に当該ユーザ端末に前記ショップのサー ビス情報を送信するサービス情報送信 (different service provider) 機能とを備えたこ とを特徴とする請求項１，２，３，４又は５記載のオン ラインモールシステム。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム, データ) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2002216020A CLAIM 1 【請求項１】 複数のユーザ端末にネットワークを介し て接続され、複数のショップがショップサイトを開設す るオンラインモールサーバを備えたオンラインモールシ ステムにおいて、 前記オンラインモールサーバに前記ネットワークを介し て接続される前記所定のショップが所持するデジタルカ メラを備え、このデジタルカメラが、当該カメラ自体の 動作を制御するカメラ制御部を有すると共に、当該デジ タルカメラに、外部機器と相互に交信する通信手段と、 所定の情報を記憶する不揮発メモリと、所定の指令を入 力する操作部とを備え、 この操作部は、少なくとも前記デジタルカメラが取り込 んだ画像を前記オンラインモールサーバに送信する指令 を入力する画像送信手段を有し、 前記不揮発メモリに、当該デジタルカメラを所持する所 定のショップを識別するショップ識別コードを記憶する と共に、このショップ識別コードと当該デジタルカメラ が取り込んだ画像とを前記画像送信手段が操作された時 に前記オンラインモールサーバに送信する画像送信機能 を、前記カメラ制御部が備え、 前記オンラインモールサーバが、受信したショップ識別 コードに対応するショップサイトのコンテンツを当該シ ョップ識別コードと共に受信した画像に基づいて更新す るサイト更新機能を備えたことを特徴とするオンライン モールシステム (user device) 。 JP2002216020A CLAIM 4 【請求項４】 前記オンラインモールサーバが、前記シ ョップサイトを開設するショップに関するショップデー タを有すると共に、前記ユーザ端末からの所定のショッ プに関する情報の取得要求を受信するショップ情報要求 受信機能と、前記オンラインモールサーバが有するショ ップデータ (user device) のうち前記ユーザ端末にて要求されたショッ プのショップデータを当該ユーザ端末に送信するショッ プデータ送信機能とを備えた特徴とする請求項１，２又 は３記載のオンラインモールシステム。 |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider (情報送信) . |
JP2002216020A CLAIM 6 【請求項６】 前記オンラインモールサーバが、前記ユ ーザ端末からのアクセス時に当該ユーザ端末から送信さ れるユーザ識別コードに基づいて当該ユーザ端末を識別 するユーザ端末識別機能と、この識別されたユーザ端末 ごとのアクセス数をカウントするアクセス数カウント機 能と、前記所定のユーザ端末の前記アクセス数が所定回 数を超えた場合に当該ユーザ端末に前記ショップのサー ビス情報を送信するサービス情報送信 (different service provider) 機能とを備えたこ とを特徴とする請求項１，２，３，４又は５記載のオン ラインモールシステム。 |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider (情報送信) . |
JP2002216020A CLAIM 6 【請求項６】 前記オンラインモールサーバが、前記ユ ーザ端末からのアクセス時に当該ユーザ端末から送信さ れるユーザ識別コードに基づいて当該ユーザ端末を識別 するユーザ端末識別機能と、この識別されたユーザ端末 ごとのアクセス数をカウントするアクセス数カウント機 能と、前記所定のユーザ端末の前記アクセス数が所定回 数を超えた場合に当該ユーザ端末に前記ショップのサー ビス情報を送信するサービス情報送信 (different service provider) 機能とを備えたこ とを特徴とする請求項１，２，３，４又は５記載のオン ラインモールシステム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2002216020A CLAIM 1 【請求項１】 複数のユーザ端末にネットワ (multiple service providers) ークを介し て接続され、複数のショップがショップサイトを開設す るオンラインモールサーバを備えたオンラインモールシ ステムにおいて、 前記オンラインモールサーバに前記ネットワークを介し て接続される前記所定のショップが所持するデジタルカ メラを備え、このデジタルカメラが、当該カメラ自体の 動作を制御するカメラ制御部を有すると共に、当該デジ タルカメラに、外部機器と相互に交信する通信手段と、 所定の情報を記憶する不揮発メモリと、所定の指令を入 力する操作部とを備え、 この操作部は、少なくとも前記デジタルカメラが取り込 んだ画像を前記オンラインモールサーバに送信する指令 を入力する画像送信手段を有し、 前記不揮発メモリに、当該デジタルカメラを所持する所 定のショップを識別するショップ識別コードを記憶する と共に、このショップ識別コードと当該デジタルカメラ が取り込んだ画像とを前記画像送信手段が操作された時 に前記オンラインモールサーバに送信する画像送信機能 を、前記カメラ制御部が備え、 前記オンラインモールサーバが、受信したショップ識別 コードに対応するショップサイトのコンテンツを当該シ ョップ識別コードと共に受信した画像に基づいて更新す るサイト更新機能を備えたことを特徴とするオンライン モールシステム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2002133324A Filed: 2000-10-25 Issued: 2002-05-10 ユーザ情報管理装置、ユーザ情報管理方法及び電子サービスシステム (Original Assignee) Toshiba Corp; 株式会社東芝 Atsushi Fukumoto, Atsushi Inoue, Yoshinari Kumaki, Naohisa Shibuya, Masahiro Takagi, 淳 井上, 尚久 渋谷, 良成 熊木, 淳 福本, 雅裕 高木 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (課金処理) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider (情報送信) ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2002133324A CLAIM 2 【請求項２】 前記通信路を介して、自ユーザ情報管 理装置が接続されたサーバ計算機から提供されたサービ スの利用に対する該ユーザの課金情報と履歴情報の少な くともいずれか一方を前記他のユーザ情報管理装置に転 送し、該ユーザに対する課金処理 (electronic commerce, user ID) と履歴情報管理の少な くともいずれか一方を委託する委託手段とを更に具備し たことを特徴とする請求項1記載のユーザ情報管理装 置。 JP2002133324A CLAIM 6 【請求項６】 ネットワーク上で電子店舗及び又は電 子サービスを提供するサーバ計算機と、これに接続され たユーザ情報管理装置と、前記電子店舗及び又は前記電 子サービスを利用するユーザの使用するクライアント計 算機とからなる電子サービスシステムにおいて、 前記クライアント計算機は、 ユーザが要求する前記電子店舗及び又は電子サービスを 提供するサーバ計算機を示す所属情報と該サーバ計算機 上で該ユーザを識別する情報を少なくとも含むユーザ識 別情報を、前記ユーザ情報管理装置宛てに送信するユー ザ識別情報送信 (different service provider) 手段と、 該ユーザ情報管理装置から、ユーザの認証結果を受信す るユーザ認証受信手段とを具備し、 前記ユーザ情報管理装置は、 前記クライアント計算機の前記ユーザ識別情報送信手段 から送信されたユーザ識別情報を受信するユーザ識別情 報受信手段と、 前記ユーザ識別情報受信手段で受信した前記ユーザ識別 情報に含まれる前記所属情報及び又は該ユーザを識別す る情報に基づいて、該ユーザが登録済みのユーザ情報管 理装置とこれに接続された電子店舗及び又は電子サービ スを提供するサーバ計算機を検索する検索手段と、 前記検索手段により検索した結果、前記ユーザが自ユー ザ情報管理装置にて登録済みのユーザであった場合に、 自ユーザ情報管理装置で保持するデータベースの情報と の照合を行って前記ユーザ識別情報の認証を行い、認証 結果を前記クライアント計算機宛に返送する第1のユー ザ認証手段と、 前記検索手段により検索した結果、前記ユーザが自ユー ザ情報管理装置以外の他のユーザ情報管理装置で登録済 みのユーザであった場合に、該他のユーザ情報管理装置 との間に安全な通信路を確立する通信路確立手段と、 前記通信路を介して、前記ユーザー識別情報受信手段で 受信した前記ユーザ識別情報を前記他のユーザ情報管理 装置宛てに転送して、該他のユーザ情報管理装置に前記 ユーザの認証を要求し、この応答として該ユーザの認証 結果を受信する第1のユーザ認証要求及び受信手段と、 前記第1のユーザ認証要求及び受信手段で受信した前記 認証結果を前記クライアント計算機宛に返送する第2の ユーザ認証手段とを具備したことを特徴とする電子サー ビスシステム。 |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider (情報送信) . |
JP2002133324A CLAIM 6 【請求項６】 ネットワーク上で電子店舗及び又は電 子サービスを提供するサーバ計算機と、これに接続され たユーザ情報管理装置と、前記電子店舗及び又は前記電 子サービスを利用するユーザの使用するクライアント計 算機とからなる電子サービスシステムにおいて、 前記クライアント計算機は、 ユーザが要求する前記電子店舗及び又は電子サービスを 提供するサーバ計算機を示す所属情報と該サーバ計算機 上で該ユーザを識別する情報を少なくとも含むユーザ識 別情報を、前記ユーザ情報管理装置宛てに送信するユー ザ識別情報送信 (different service provider) 手段と、 該ユーザ情報管理装置から、ユーザの認証結果を受信す るユーザ認証受信手段とを具備し、 前記ユーザ情報管理装置は、 前記クライアント計算機の前記ユーザ識別情報送信手段 から送信されたユーザ識別情報を受信するユーザ識別情 報受信手段と、 前記ユーザ識別情報受信手段で受信した前記ユーザ識別 情報に含まれる前記所属情報及び又は該ユーザを識別す る情報に基づいて、該ユーザが登録済みのユーザ情報管 理装置とこれに接続された電子店舗及び又は電子サービ スを提供するサーバ計算機を検索する検索手段と、 前記検索手段により検索した結果、前記ユーザが自ユー ザ情報管理装置にて登録済みのユーザであった場合に、 自ユーザ情報管理装置で保持するデータベースの情報と の照合を行って前記ユーザ識別情報の認証を行い、認証 結果を前記クライアント計算機宛に返送する第1のユー ザ認証手段と、 前記検索手段により検索した結果、前記ユーザが自ユー ザ情報管理装置以外の他のユーザ情報管理装置で登録済 みのユーザであった場合に、該他のユーザ情報管理装置 との間に安全な通信路を確立する通信路確立手段と、 前記通信路を介して、前記ユーザー識別情報受信手段で 受信した前記ユーザ識別情報を前記他のユーザ情報管理 装置宛てに転送して、該他のユーザ情報管理装置に前記 ユーザの認証を要求し、この応答として該ユーザの認証 結果を受信する第1のユーザ認証要求及び受信手段と、 前記第1のユーザ認証要求及び受信手段で受信した前記 認証結果を前記クライアント計算機宛に返送する第2の ユーザ認証手段とを具備したことを特徴とする電子サー ビスシステム。 |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (課金処理) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider (情報送信) . |
JP2002133324A CLAIM 2 【請求項２】 前記通信路を介して、自ユーザ情報管 理装置が接続されたサーバ計算機から提供されたサービ スの利用に対する該ユーザの課金情報と履歴情報の少な くともいずれか一方を前記他のユーザ情報管理装置に転 送し、該ユーザに対する課金処理 (electronic commerce, user ID) と履歴情報管理の少な くともいずれか一方を委託する委託手段とを更に具備し たことを特徴とする請求項1記載のユーザ情報管理装 置。 JP2002133324A CLAIM 6 【請求項６】 ネットワーク上で電子店舗及び又は電 子サービスを提供するサーバ計算機と、これに接続され たユーザ情報管理装置と、前記電子店舗及び又は前記電 子サービスを利用するユーザの使用するクライアント計 算機とからなる電子サービスシステムにおいて、 前記クライアント計算機は、 ユーザが要求する前記電子店舗及び又は電子サービスを 提供するサーバ計算機を示す所属情報と該サーバ計算機 上で該ユーザを識別する情報を少なくとも含むユーザ識 別情報を、前記ユーザ情報管理装置宛てに送信するユー ザ識別情報送信 (different service provider) 手段と、 該ユーザ情報管理装置から、ユーザの認証結果を受信す るユーザ認証受信手段とを具備し、 前記ユーザ情報管理装置は、 前記クライアント計算機の前記ユーザ識別情報送信手段 から送信されたユーザ識別情報を受信するユーザ識別情 報受信手段と、 前記ユーザ識別情報受信手段で受信した前記ユーザ識別 情報に含まれる前記所属情報及び又は該ユーザを識別す る情報に基づいて、該ユーザが登録済みのユーザ情報管 理装置とこれに接続された電子店舗及び又は電子サービ スを提供するサーバ計算機を検索する検索手段と、 前記検索手段により検索した結果、前記ユーザが自ユー ザ情報管理装置にて登録済みのユーザであった場合に、 自ユーザ情報管理装置で保持するデータベースの情報と の照合を行って前記ユーザ識別情報の認証を行い、認証 結果を前記クライアント計算機宛に返送する第1のユー ザ認証手段と、 前記検索手段により検索した結果、前記ユーザが自ユー ザ情報管理装置以外の他のユーザ情報管理装置で登録済 みのユーザであった場合に、該他のユーザ情報管理装置 との間に安全な通信路を確立する通信路確立手段と、 前記通信路を介して、前記ユーザー識別情報受信手段で 受信した前記ユーザ識別情報を前記他のユーザ情報管理 装置宛てに転送して、該他のユーザ情報管理装置に前記 ユーザの認証を要求し、この応答として該ユーザの認証 結果を受信する第1のユーザ認証要求及び受信手段と、 前記第1のユーザ認証要求及び受信手段で受信した前記 認証結果を前記クライアント計算機宛に返送する第2の ユーザ認証手段とを具備したことを特徴とする電子サー ビスシステム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (データベース, ネットワ) , wherein the bridge computer credits some of the service provider accounts (識別子) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2002133324A CLAIM 1 【請求項１】 ネットワ (multiple service providers) ーク上で電子店舗及び又は電 子サービスを提供するサーバ計算機に接続され、前記電 子店舗及び又は前記電子サービスを利用するユーザの情 報を管理するユーザ情報管理装置において、 前記電子店舗及び又は前記電子サービスを利用するユー ザの使用するクライアント計算機から転送されるユーザ 識別情報を受信するユーザ識別情報受信手段と、 前記ユーザ識別情報受信手段で受信した前記ユーザ識別 情報に含まれる前記クライアント計算機の所属情報に基 づいて、該ユーザが登録済みのユーザ情報管理装置とこ れに接続された電子店舗及び又は電子サービスを提供す るサーバ計算機を検索する検索手段と、 前記検索手段により検索した結果、前記ユーザが自ユー ザ情報管理装置にて登録済みのユーザであった場合に、 自ユーザ情報管理装置で保持するデータベース (multiple service providers) の情報と の照合し、前記ユーザ識別情報の認証を行い、この認証 結果を前記クライアント計算機宛に返送する第１のユー ザ認証手段と、 前記検索手段により検索した結果、前記ユーザが自ユー ザ情報管理装置以外の他のユーザ情報管理装置で登録済 みのユーザであった場合に、該他のユーザ情報管理装置 との間に安全な通信路を確立する通信路確立手段と、 前記通信路を介して、前記ユーザ識別情報受信手段で受 信した前記ユーザ識別情報を前記他のユーザ情報管理装 置宛てに転送して、該他のユーザ情報管理装置に前記ユ ーザの認証を要求し、この応答として該ユーザの認証結 果を受信する第１のユーザ認証要求及び受信手段と、 前記第１のユーザ認証要求及び受信手段で受信した前記 認証結果を前記クライアント計算機宛に返送する第２の ユーザ認証手段とを具議したことを特徴とするユーザ情 報管理装置。 JP2002133324A CLAIM 17 【請求項１７】 前記クライアント計算機は、該ユー ザが登録済みの他のユーザ情報管理装置、又は自ユーザ 情報管理装置との間及び該他のユーザ情報管理装置との 間で安全な転送路が確立された他のサーバ計算機を選択 した場合に、アクセス中のサーバ計算機のサイト識別子 (service provider accounts) と、選択されたサーバ計算機の提携サイト識別子、およ び通信路を仲介したサーバ計算機の仲介サイト識別子の 対応関係を記憶する記憶手段とを更に具備し、 該ユーザが同一の電子店舗及び又は電子サービスを利用 する場合に、前記記憶手段に記憶された対応関係に基づ いて、対応する提携サイト及び又は仲介サイトを初期値 としてとして該ユーザに提示することを特徴とする請求 項６に記載の電子サービスシステム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2002063431A Filed: 2000-08-22 Issued: 2002-02-28 ネットワークを介したショッピングシステム (Original Assignee) Tokyo Electric Power Co Inc:The; 東京電力株式会社 Shinichi Kojima, Yoshiaki Matsumura, Akihiko Tsutsumi, Tomoki Yaguchi, Takahiro Yamakawa, 昭彦 堤, 真一 小島, 恭弘 山川, 芳昭 松村, 朋来 矢口 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price (の購入) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2002063431A CLAIM 1 【請求項１】 ネットワーク上で商品を販売する複数の 仮想店舗と、前記複数の仮想店舗の一部手続を代行する 代行者サイトとを有するショッピングシステム (user device) におい て、 前記仮想店舗が、ネットワークを介して消費者からの仮 発注を受け付ける仮発注受付手段と、前記仮発注受付手 段で受け付けた商品の予約状況を予約情報として前記代 行者サイトに通知する予約通知手段とを備え、 前記代行者サイトが、前記予約通知手段からの予約情報 を前記仮想店舗と消費者とに対応づけて管理する予約管 理手段と、特定の消費者からの要求に応じて前記予約管 理手段の予約情報を参照し、前記複数の仮想店舗におい て仮発注した商品の情報を前記特定の消費者に提示する 予約状況提示手段と、前記特定の消費者が前記予約状況 提示手段で提示された商品の購入 (purchase price) を選択したときに、前 記予約管理手段の予約情報を参照して対応する仮想店舗 に前記商品の購入を通知する商品購入手段とを備えたこ と、 を特徴とするネットワークを介したショッピングシステ ム。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2002063431A CLAIM 1 【請求項１】 ネットワーク上で商品を販売する複数の 仮想店舗と、前記複数の仮想店舗の一部手続を代行する 代行者サイトとを有するショッピングシステム (user device) におい て、 前記仮想店舗が、ネットワークを介して消費者からの仮 発注を受け付ける仮発注受付手段と、前記仮発注受付手 段で受け付けた商品の予約状況を予約情報として前記代 行者サイトに通知する予約通知手段とを備え、 前記代行者サイトが、前記予約通知手段からの予約情報 を前記仮想店舗と消費者とに対応づけて管理する予約管 理手段と、特定の消費者からの要求に応じて前記予約管 理手段の予約情報を参照し、前記複数の仮想店舗におい て仮発注した商品の情報を前記特定の消費者に提示する 予約状況提示手段と、前記特定の消費者が前記予約状況 提示手段で提示された商品の購入を選択したときに、前 記予約管理手段の予約情報を参照して対応する仮想店舗 に前記商品の購入を通知する商品購入手段とを備えたこ と、 を特徴とするネットワークを介したショッピングシステ ム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2002056315A Filed: 2000-08-14 Issued: 2002-02-20 電子商取引方法及びそれを用いたサービス提供システム (Original Assignee) Dna:Kk; 株式会社 ディー・エヌ・エー Tomoko Nanba, Tatsu Okada, Masayuki Watanabe, 智子 南場, 龍 岡田, 雅之 渡辺 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (電子商取引) system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider (サービス提供) computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2002056315A CLAIM 1 【請求項１】ネットワークで接続されたユーザ端末を介 して行われるユーザの商取引行為に対して、該ユーザを 誘導した提携サイトへ報酬を支払う電子商取引 (electronic commerce, electronic commerce system) 方法にお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、アクセスされたWebページを 表示させると共に、該提携サイトの提携サイトIDを該ユ ーザ端末に記録する手順と、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得する手 順と、 該取得された提携サイトIDに基づいて、該報酬を決定す る手順を有することを特徴とする電子商取引方法。 JP2002056315A CLAIM 7 【請求項７】ネットワークを介してユーザ端末と提携サ イトに接続され、該ユーザ端末を介して所定のサービス を提供するWebページを備えており、該ユーザが該Webペ ージ上で行った商取引行為に対して該ユーザを誘導した 該提携サイトへ報酬を支払うサービス提供 (other service, service provider) システム (user device) にお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、該Webページを表示させると 共に、該提携サイトの提携サイトIDを該ユーザ端末に記 録し、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得し、 該取得された提携サイトIDに基づいて、該報酬を決定す ることを特徴とするサービス提供システム。 |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees paid by other service (サービス提供) providers . |
JP2002056315A CLAIM 7 【請求項７】ネットワークを介してユーザ端末と提携サ イトに接続され、該ユーザ端末を介して所定のサービス を提供するWebページを備えており、該ユーザが該Webペ ージ上で行った商取引行為に対して該ユーザを誘導した 該提携サイトへ報酬を支払うサービス提供 (other service, service provider) システムにお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、該Webページを表示させると 共に、該提携サイトの提携サイトIDを該ユーザ端末に記 録し、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得し、 該取得された提携サイトIDに基づいて、該報酬を決定す ることを特徴とするサービス提供システム。 |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers with referral fees when users associated with those service providers make purchases at vendors associated with other service (サービス提供) providers . |
JP2002056315A CLAIM 7 【請求項７】ネットワークを介してユーザ端末と提携サ イトに接続され、該ユーザ端末を介して所定のサービス を提供するWebページを備えており、該ユーザが該Webペ ージ上で行った商取引行為に対して該ユーザを誘導した 該提携サイトへ報酬を支払うサービス提供 (other service, service provider) システムにお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、該Webページを表示させると 共に、該提携サイトの提携サイトIDを該ユーザ端末に記 録し、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得し、 該取得された提携サイトIDに基づいて、該報酬を決定す ることを特徴とするサービス提供システム。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2002056315A CLAIM 7 【請求項７】ネットワークを介してユーザ端末と提携サ イトに接続され、該ユーザ端末を介して所定のサービス を提供するWebページを備えており、該ユーザが該Webペ ージ上で行った商取引行為に対して該ユーザを誘導した 該提携サイトへ報酬を支払うサービス提供システム (user device) にお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、該Webページを表示させると 共に、該提携サイトの提携サイトIDを該ユーザ端末に記 録し、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得し、 該取得された提携サイトIDに基づいて、該報酬を決定す ることを特徴とするサービス提供システム。 |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider (サービス提供) with which the user has the account or at a different service provider . |
JP2002056315A CLAIM 7 【請求項７】ネットワークを介してユーザ端末と提携サ イトに接続され、該ユーザ端末を介して所定のサービス を提供するWebページを備えており、該ユーザが該Webペ ージ上で行った商取引行為に対して該ユーザを誘導した 該提携サイトへ報酬を支払うサービス提供 (other service, service provider) システムにお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、該Webページを表示させると 共に、該提携サイトの提携サイトIDを該ユーザ端末に記 録し、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得し、 該取得された提携サイトIDに基づいて、該報酬を決定す ることを特徴とするサービス提供システム。 |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider (サービス提供) at which the user has the account or at a different service provider . |
JP2002056315A CLAIM 7 【請求項７】ネットワークを介してユーザ端末と提携サ イトに接続され、該ユーザ端末を介して所定のサービス を提供するWebページを備えており、該ユーザが該Webペ ージ上で行った商取引行為に対して該ユーザを誘導した 該提携サイトへ報酬を支払うサービス提供 (other service, service provider) システムにお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、該Webページを表示させると 共に、該提携サイトの提携サイトIDを該ユーザ端末に記 録し、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得し、 該取得された提携サイトIDに基づいて、該報酬を決定す ることを特徴とするサービス提供システム。 |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider (サービス提供) account when that user attempts to purchase products from a vendor , wherein the new account is created with the service provider associated with that vendor . |
JP2002056315A CLAIM 7 【請求項７】ネットワークを介してユーザ端末と提携サ イトに接続され、該ユーザ端末を介して所定のサービス を提供するWebページを備えており、該ユーザが該Webペ ージ上で行った商取引行為に対して該ユーザを誘導した 該提携サイトへ報酬を支払うサービス提供 (other service, service provider) システムにお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、該Webページを表示させると 共に、該提携サイトの提携サイトIDを該ユーザ端末に記 録し、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得し、 該取得された提携サイトIDに基づいて、該報酬を決定す ることを特徴とするサービス提供システム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (ネットワ) , wherein the bridge computer credits some of the service provider (サービス提供) accounts and debits other service (サービス提供) providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2002056315A CLAIM 1 【請求項１】ネットワ (multiple service providers) ークで接続されたユーザ端末を介 して行われるユーザの商取引行為に対して、該ユーザを 誘導した提携サイトへ報酬を支払う電子商取引方法にお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、アクセスされたWebページを 表示させると共に、該提携サイトの提携サイトIDを該ユ ーザ端末に記録する手順と、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得する手 順と、 該取得された提携サイトIDに基づいて、該報酬を決定す る手順を有することを特徴とする電子商取引方法。 JP2002056315A CLAIM 7 【請求項７】ネットワークを介してユーザ端末と提携サ イトに接続され、該ユーザ端末を介して所定のサービス を提供するWebページを備えており、該ユーザが該Webペ ージ上で行った商取引行為に対して該ユーザを誘導した 該提携サイトへ報酬を支払うサービス提供 (other service, service provider) システムにお いて、 該提携サイトに設定されたリンクによる該ユーザ端末か らのアクセスに応答して、該Webページを表示させると 共に、該提携サイトの提携サイトIDを該ユーザ端末に記 録し、 該ユーザ端末からの該商取引行為の要求時に、該ユーザ の情報と共に、該記録された提携サイトIDを取得し、 該取得された提携サイトIDに基づいて、該報酬を決定す ることを特徴とするサービス提供システム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001312774A Filed: 2000-04-28 Issued: 2001-11-09 課金管理装置、課金管理システム、課金管理方法、及び記憶媒体 (Original Assignee) Canon Inc; キヤノン株式会社 Koichi Okuda, 浩一 奥田 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001312774A CLAIM 17 【請求項１７】 請求項１〜９の何れかに記載の課金管 理装置の機能、又は請求項１０記載の課金管理システム (user device) の機能を実施するための処理プログラムを、コンピュー タが読出可能に格納したことを特徴とする記憶媒体。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2001312774A CLAIM 17 【請求項１７】 請求項１〜９の何れかに記載の課金管 理装置の機能、又は請求項１０記載の課金管理システム (user device) の機能を実施するための処理プログラムを、コンピュー タが読出可能に格納したことを特徴とする記憶媒体。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (金融機関) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2001312774A CLAIM 9 【請求項９】 口座引落機能及び口座振込機能を有する 金融機関 (credit cards) 側とネットワ (multiple service providers) ークを介して通信する通信手段を 備え、 上記利用料金徴収手段及び上記利用料金払戻手段は、上 記通信手段により上記金融機関側と通信することで、上 記利用料金の徴収及び上記利用料金の払い戻しを行うこ とを特徴とする請求項１記載の課金管理装置。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001265972A Filed: 2000-03-17 Issued: 2001-09-28 インターネット上の取引でのエージェントシステム (Original Assignee) Dds:Kk; Rm Associates:Kk; 有限会社 アール・エム・アソシェイツ; 株式会社ディー・ディー・エス Kenji Miyoshino, Tatsuya Yamada, 健滋 三吉野, 達也 山田 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price (の購入) from a given vendor having a web site (ウェブサイト) provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001265972A CLAIM 1 【請求項１】 多数のデジタル端末がインターネットを 介して多数の店舗コンピュータと接続された構成に基づ き、前記デジタル端末を利用して前記店舗コンピュータ に対し注文を出し、有料の注文物を購入するインターネ ット上の取引システム (user device) において、 ユーザ側の前記デジタル端末と前記店舗コンピュータの 間にエージェント機能を有する部分を設け、前記エージ ェント機能を有する部分は、前記ユーザからの購入 (purchase price) 依頼 を受け、前記ユーザの代理人として前記店舗コンピュー タに対し注文を出し、また前記店舗コンピュータから注 文物を受け取り、前記ユーザに注文物を移転することを 特徴とするインターネット上の取引でのエージェントシ ステム。 JP2001265972A CLAIM 5 【請求項５】 ユーザ側のインターネットに接続可能な ディジタル端末と情報提供を行うウェブサイト (web site) との間に エージェント機能を有する部分を設け、前記エージェン ト機能を有する部分は、前記ユーザの個人情報を開示す ることなく、前記ユーザの必要とする有料または無料の 情報をウェブサイトまたはＥメールより取得し、前記情 報を前記ユーザに渡すことを特徴とするインターネット 上の取引でのエージェントシステム。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (ウェブサイト) and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2001265972A CLAIM 1 【請求項１】 多数のデジタル端末がインターネットを 介して多数の店舗コンピュータと接続された構成に基づ き、前記デジタル端末を利用して前記店舗コンピュータ に対し注文を出し、有料の注文物を購入するインターネ ット上の取引システム (user device) において、 ユーザ側の前記デジタル端末と前記店舗コンピュータの 間にエージェント機能を有する部分を設け、前記エージ ェント機能を有する部分は、前記ユーザからの購入依頼 を受け、前記ユーザの代理人として前記店舗コンピュー タに対し注文を出し、また前記店舗コンピュータから注 文物を受け取り、前記ユーザに注文物を移転することを 特徴とするインターネット上の取引でのエージェントシ ステム。 JP2001265972A CLAIM 5 【請求項５】 ユーザ側のインターネットに接続可能な ディジタル端末と情報提供を行うウェブサイト (web site) との間に エージェント機能を有する部分を設け、前記エージェン ト機能を有する部分は、前記ユーザの個人情報を開示す ることなく、前記ユーザの必要とする有料または無料の 情報をウェブサイトまたはＥメールより取得し、前記情 報を前記ユーザに渡すことを特徴とするインターネット 上の取引でのエージェントシステム。 |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (エージェント) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
JP2001265972A CLAIM 1 【請求項１】 多数のデジタル端末がインターネットを 介して多数の店舗コンピュータと接続された構成に基づ き、前記デジタル端末を利用して前記店舗コンピュータ に対し注文を出し、有料の注文物を購入するインターネ ット上の取引システムにおいて、 ユーザ側の前記デジタル端末と前記店舗コンピュータの 間にエージェント (user attempts to purchase products) 機能を有する部分を設け、前記エージ ェント機能を有する部分は、前記ユーザからの購入依頼 を受け、前記ユーザの代理人として前記店舗コンピュー タに対し注文を出し、また前記店舗コンピュータから注 文物を受け取り、前記ユーザに注文物を移転することを 特徴とするインターネット上の取引でのエージェントシ ステム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (カード) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2001265972A CLAIM 3 【請求項３】 前記個人情報はクレジットカード (credit cards) 番号で あることを特徴とする請求項２記載のエージェントシス テム。 |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (ウェブサイト) on the vendor computer to offer the product for sale . |
JP2001265972A CLAIM 5 【請求項５】 ユーザ側のインターネットに接続可能な ディジタル端末と情報提供を行うウェブサイト (web site) との間に エージェント機能を有する部分を設け、前記エージェン ト機能を有する部分は、前記ユーザの個人情報を開示す ることなく、前記ユーザの必要とする有料または無料の 情報をウェブサイトまたはＥメールより取得し、前記情 報を前記ユーザに渡すことを特徴とするインターネット 上の取引でのエージェントシステム。 |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (ウェブサイト) on the vendor computer to offer the product for sale . |
JP2001265972A CLAIM 5 【請求項５】 ユーザ側のインターネットに接続可能な ディジタル端末と情報提供を行うウェブサイト (web site) との間に エージェント機能を有する部分を設け、前記エージェン ト機能を有する部分は、前記ユーザの個人情報を開示す ることなく、前記ユーザの必要とする有料または無料の 情報をウェブサイトまたはＥメールより取得し、前記情 報を前記ユーザに渡すことを特徴とするインターネット 上の取引でのエージェントシステム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6085176A Filed: 1999-03-08 Issued: 2000-07-04 Method and apparatus for using search agents to search plurality of markets for items (Original Assignee) MercExchange LLC (Current Assignee) eBay Inc ; MercExchange Va LLC Thomas G. Woolston |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (network interface) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6085176A CLAIM 13 . An apparatus for searching a plurality of electronic markets , the apparatus comprising : a network interface (vendor computer) ; a storage device ; and a computer operationally connected to said network interface and said storage device , said network interface connecting said computer to a communication network , said storage device including a list of addresses for at least one electronic market , said computer transmitting a search request to the at least one electronic market , said computer receiving a list of electronic markets from the at least one electronic market , said computer updating the list of addresses for electronic markets in response to the list of electronic markets received from said at least one electronic market . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (storage device) paid by other service providers . |
US6085176A CLAIM 13 . An apparatus for searching a plurality of electronic markets , the apparatus comprising : a network interface ; a storage device (credit card service charge fees) ; and a computer operationally connected to said network interface and said storage device , said network interface connecting said computer to a communication network , said storage device including a list of addresses for at least one electronic market , said computer transmitting a search request to the at least one electronic market , said computer receiving a list of electronic markets from the at least one electronic market , said computer updating the list of addresses for electronic markets in response to the list of electronic markets received from said at least one electronic market . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (network interface) to offer the product for sale . |
US6085176A CLAIM 13 . An apparatus for searching a plurality of electronic markets , the apparatus comprising : a network interface (vendor computer) ; a storage device ; and a computer operationally connected to said network interface and said storage device , said network interface connecting said computer to a communication network , said storage device including a list of addresses for at least one electronic market , said computer transmitting a search request to the at least one electronic market , said computer receiving a list of electronic markets from the at least one electronic market , said computer updating the list of addresses for electronic markets in response to the list of electronic markets received from said at least one electronic market . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (network interface) to offer the product for sale . |
US6085176A CLAIM 13 . An apparatus for searching a plurality of electronic markets , the apparatus comprising : a network interface (vendor computer) ; a storage device ; and a computer operationally connected to said network interface and said storage device , said network interface connecting said computer to a communication network , said storage device including a list of addresses for at least one electronic market , said computer transmitting a search request to the at least one electronic market , said computer receiving a list of electronic markets from the at least one electronic market , said computer updating the list of addresses for electronic markets in response to the list of electronic markets received from said at least one electronic market . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6202051B1 Filed: 1999-02-19 Issued: 2001-03-13 Facilitating internet commerce through internetworked auctions (Original Assignee) Merc Exchange LLC (Current Assignee) eBay Inc ; Merc Exchange LLC Thomas G. Woolston |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase (binding offer, sales price) at a purchase price (binding offer, sales price) from a given vendor having a web site provided by a vendor computer over a communications network (represents a) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (debit card, related items, credit card) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6202051B1 CLAIM 3 . The method of claim 2 wherein the payment information comprises credit card (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) payment information and further comprising : processing the credit card payment information to authorize payment before accepting a bid from the auction participant . US6202051B1 CLAIM 4 . The method of claim 1 further comprising : contracting with the seller to create a binding offer (product purchase, purchase price) to auction the item through auction process . US6202051B1 CLAIM 14 . The method of claim 12 wherein the financial instrument comprises a credit card , a debit card (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) or a debit account . US6202051B1 CLAIM 24 . The method of claim 12 wherein the fee amount is based , at least in part , on a final sales price (product purchase, purchase price) of the item . US6202051B1 CLAIM 26 . The method of claim 12 wherein the fee amount represents a (communications network) seller' ; s commission paid to an entity hosting the Internet-based auction . US6202051B1 CLAIM 39 . The auction system of claim 36 wherein the initiated auction instance is specific to a particular item or to a lot of related items (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (debit card, related items, credit card) paid by other service providers . |
US6202051B1 CLAIM 3 . The method of claim 2 wherein the payment information comprises credit card (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) payment information and further comprising : processing the credit card payment information to authorize payment before accepting a bid from the auction participant . US6202051B1 CLAIM 14 . The method of claim 12 wherein the financial instrument comprises a credit card , a debit card (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) or a debit account . US6202051B1 CLAIM 39 . The auction system of claim 36 wherein the initiated auction instance is specific to a particular item or to a lot of related items (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (binding offer, sales price) . |
US6202051B1 CLAIM 4 . The method of claim 1 further comprising : contracting with the seller to create a binding offer (product purchase, purchase price) to auction the item through auction process . US6202051B1 CLAIM 24 . The method of claim 12 wherein the fee amount is based , at least in part , on a final sales price (product purchase, purchase price) of the item . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider . |
US6202051B1 CLAIM 1 . An automated method , performed by a computer-based auction system , for enabling a seller to auction a uniquely identified item via the Internet to one or more potential buyers , the method comprising : requiring the seller to establish a seller' ; s account , the seller' ; s account being based at least on the seller' ; s identity and a financial instrument associated with the seller ; receiving information from the seller including a description of an item offered for auction by the seller ; creating a data record containing a description of the item based on the information received from the seller , the data record connoting an ownership interest by the seller in the item , the data record being stored in a computerized electronic database maintained by the computer-based auction system ; generating an identification code to uniquely identify the item ; scheduling an auction for the item , the auction to be hosted by the computer-based auction system ; presenting the item for auction to an audience of participants through a worldwide web mapping module executing in conjunction with the computerized database , the worldwide web mapping module translating information from the data record to a hypertext mark up language format for presentation through the Internet ; receiving bids on the item from participants via the Internet through an auction process that executes in conjunction with the computerized database ; terminating the auction for the item when the auction process encounters predetermined criteria ; notifying a winning auction participant that the winning auction participant has entered a high bid in the auction process ; providing the unique identification (vendor ID) code to the winning auction participant to uniquely identify the item ; and charging a fee to the seller' ; s account based on an amount of the high bid . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US6202051B1 CLAIM 1 . An automated method , performed by a computer-based auction system , for enabling a seller to auction a uniquely identified item via the Internet to one or more potential buyers , the method comprising : requiring the seller to establish a seller' ; s account , the seller' ; s account being based at least on the seller' ; s identity and a financial instrument associated with the seller ; receiving information from the seller including a description of an item offered for auction by the seller ; creating a data record containing a description of the item based on the information received from the seller , the data record connoting an ownership interest by the seller in the item , the data record being stored in a computerized electronic database maintained by the computer-based auction system ; generating an identification code to uniquely identify the item ; scheduling an auction for the item , the auction to be hosted by the computer-based auction system ; presenting the item for auction to an audience of participants through a worldwide web mapping module executing in conjunction with the computerized database , the worldwide web mapping module translating information from the data record to a hypertext mark up language format for presentation through the Internet ; receiving bids on the item from participants via the Internet through an auction process that executes in conjunction with the computerized database ; terminating the auction for the item when the auction process encounters predetermined criteria ; notifying a winning auction participant that the winning auction participant has entered a high bid in the auction process ; providing the unique identification (vendor ID) code to the winning auction participant to uniquely identify the item ; and charging a fee to the seller' ; s account based on an amount of the high bid . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (debit card, related items, credit card) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US6202051B1 CLAIM 3 . The method of claim 2 wherein the payment information comprises credit card (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) payment information and further comprising : processing the credit card payment information to authorize payment before accepting a bid from the auction participant . US6202051B1 CLAIM 14 . The method of claim 12 wherein the financial instrument comprises a credit card , a debit card (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) or a debit account . US6202051B1 CLAIM 39 . The auction system of claim 36 wherein the initiated auction instance is specific to a particular item or to a lot of related items (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (debit card, related items, credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6202051B1 CLAIM 3 . The method of claim 2 wherein the payment information comprises credit card (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) payment information and further comprising : processing the credit card payment information to authorize payment before accepting a bid from the auction participant . US6202051B1 CLAIM 14 . The method of claim 12 wherein the financial instrument comprises a credit card , a debit card (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) or a debit account . US6202051B1 CLAIM 39 . The auction system of claim 36 wherein the initiated auction instance is specific to a particular item or to a lot of related items (credit card service charge fees, user account, credit cards, user attempts to purchase products, service providers using credit cards, purchase price using funds) . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6266651B1 Filed: 1999-02-19 Issued: 2001-07-24 Facilitating electronic commerce through two-tiered electronic markets and auctions (Original Assignee) MercExchange Va LLC (Current Assignee) eBay Inc Thomas G. Woolston |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (electronic commerce) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6266651B1 CLAIM 35 . A method for facilitating electronic commerce (electronic commerce, electronic commerce system) using an electronic auction system having at least a wholesale tier and a retail tier , the method comprising : presenting for auction an item description stored in a database operationally coupled to the electronic auction system , the presentation of the item including a current retail bid amount ; receiving a wholesale bid from at least one wholesale-tier participant ; and selectively displacing the current retail bid amount if the received wholesale bid increased by a predetermined amount is greater than the current retail bid . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (data record) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US6266651B1 CLAIM 16 . The system of claim 1 wherein the data repository comprises data record (user attempts to purchase products) s , each data record corresponding to an item in the inventory and specifying a first price for the item and a second price for the item . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | EP0844577A2 Filed: 1997-11-03 Issued: 1998-05-27 Multi-level marketing computer network server (Original Assignee) Allyn M. Shell Allyn M. Shell |
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| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts (personal data) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (card information, credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
EP0844577A2 CLAIM 4 The server system identified in claim 3 wherein the means for acquiring the payment for the product is comprised of : a) a means for obtaining credit card information (credit card (credit cards, service providers using credit cards) s, service providers using credit cards) , b) a means for validating credit , and c) a means for capturing payment . EP0844577A2 CLAIM 8 The server system identified in claim 1 wherein the means for calculating multi-level commissions and other fees is comprised of : a) a means for accepting the information that identifies the amount or percentage to be paid to each individual commission level of a multi-level commission structure , b) a means for storing a multi-level commission structure which contains at least the amount or percentage to be paid to each individual commission level , c) a means for storing records of individual sellers which contains at least (1) a means for storing individual seller' ; s personal data (service provider accounts) , (2) a means for storing individual seller' ; s method of pay information , and (3) a means for identifying the next level seller . d) a means for calculating commissions using a multi-level commission structure , and e) a means for calculating other fees and associating them with the appropriate payees . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5710887A Filed: 1995-08-29 Issued: 1998-01-20 Computer system and method for electronic commerce (Original Assignee) Broadvision (Current Assignee) Broadvision Raman Chelliah, Jason S. Cornez, Carl Dellar, Stephen Harrison, John A. Hempe, Chih-Cheng Hsu, Eric J. Golin, Charles A. Price, Neal S. Rutta, Thomas A. Wood, Wayne K. Yamamoto |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase (customer site) at a purchase price (associated item) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5710887A CLAIM 1 . A system for facilitating commercial transactions , between a plurality of customers and at least one supplier of items , over a computer driven network capable of providing communications between the supplier and at least one customer site (product purchase) associated with each customer and including an input means and a display , the system comprising : a . means for causing at least one supplier to be represented on the display for selection by the customer using the input means ; b . means for effecting presentation of items on the display for customer observation ; c . an item database associated with a supplier and including information on presented items ; d . pricing means for receiving information from the item database to determine the cost associated with a presented item ; e . a customer information database for storing information relating to a customer ; and f . means for creating a customer monitoring object for each customer by referencing information , relating to that customer , which had been stored in the customer information database and upon the customer selecting at least one supplier such that the customer monitoring object is configured to operate by i . responding to customer enquiries , communicated through the input means , regarding a presented item by accessing the item database to retrieve information relating to said item and to present said information to the customer by means of the display , ii . receiving a customer' ; s selection of a presented item through the input means , iii . communicating with the pricing means to have the cost of the item determined , iv . presenting the cost to the customer by means of the display , v . receiving customer communications , through the input means , indicating a desire to receive the item , and vi . passing a delivery initiation communication to initiate the delivery of the item to the customer . US5710887A CLAIM 10 . The system of claim 2 , further comprising a cost discount storage for maintaining cost reduction information associated with a supplier' ; s items , wherein the pricing means receives relevant parts of the cost reduction information to calculate the cost of the associated item (purchase price, service providers make purchases) . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers with referral fees when users associated with those service providers make purchases (associated item) at vendors associated with other service providers . |
US5710887A CLAIM 10 . The system of claim 2 , further comprising a cost discount storage for maintaining cost reduction information associated with a supplier' ; s items , wherein the pricing means receives relevant parts of the cost reduction information to calculate the cost of the associated item (purchase price, service providers make purchases) . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (customer site) . |
US5710887A CLAIM 1 . A system for facilitating commercial transactions , between a plurality of customers and at least one supplier of items , over a computer driven network capable of providing communications between the supplier and at least one customer site (product purchase) associated with each customer and including an input means and a display , the system comprising : a . means for causing at least one supplier to be represented on the display for selection by the customer using the input means ; b . means for effecting presentation of items on the display for customer observation ; c . an item database associated with a supplier and including information on presented items ; d . pricing means for receiving information from the item database to determine the cost associated with a presented item ; e . a customer information database for storing information relating to a customer ; and f . means for creating a customer monitoring object for each customer by referencing information , relating to that customer , which had been stored in the customer information database and upon the customer selecting at least one supplier such that the customer monitoring object is configured to operate by i . responding to customer enquiries , communicated through the input means , regarding a presented item by accessing the item database to retrieve information relating to said item and to present said information to the customer by means of the display , ii . receiving a customer' ; s selection of a presented item through the input means , iii . communicating with the pricing means to have the cost of the item determined , iv . presenting the cost to the customer by means of the display , v . receiving customer communications , through the input means , indicating a desire to receive the item , and vi . passing a delivery initiation communication to initiate the delivery of the item to the customer . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2002092355A Filed: 2001-06-28 Issued: 2002-03-29 ウェブプリントシステム及びその課金方法 (Original Assignee) Matsushita Electric Ind Co Ltd; 松下電器産業株式会社 Kenji Hisatomi, Yuji Okada, Takehito Yamaguchi, 健治 久富, 岳人 山口, 雄治 岡田 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (広告主) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2002092355A CLAIM 12 【請求項１２】 配信サーバからインターネット情報を 取得してプリントするウェブプリンタを備えたウェブプ リントシステムにおいて、 広告がプリントされた回数、広告が掲載された期間、広 告とともにプリントされたインターネット情報の量また は内容、広告を掲載したい広告主 (purchase price) によるオークションで 決定した値段のうちの少なくとも１つに基づいて広告料 を算出する広告料算出手段を備えたことを特徴とするウ ェブプリントシステム。 |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (コスト) between service providers according to a predetermine schedule . |
JP2002092355A CLAIM 1 【請求項１】 配信サーバからインターネット情報を取 得してプリントするウェブプリンタを備えたウェブプリ ントシステムにおいて、 上記プリントに必要なランニングコスト (bridge computer to settle accounts) 、上記インター ネット情報の提供料、上記１プリント当たりの広告料の うちの少なくとも１つに基づいてプリント料を算出する プリント料算出手段と、 上記プリント料算出手段によって算出されたプリント料 をユーザから徴収したときに、配信サーバからインター ネット情報を取得してプリントする上記ウェブプリンタ と、 を備えたことを特徴とするウェブプリントシステム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2002049805A Filed: 2001-05-28 Issued: 2002-02-15 ネットマーケットシステム (Original Assignee) Isao Sugiyago; 勲 杉八合 Isao Sugiyago, 勲 杉八合 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (課金処理) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (パーソナル) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer (パーソナル) , and wherein the user has a user account (トラフィック制御) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2002049805A CLAIM 1 【請求項１】 ネットワークを介して物・情報・サービ スの売買・交換を行うためのポータルとして機能するネ ットマーケットシステムであって、 携帯電話・ファクシミリ・パーソナル (vendor computer, service provider computer) コンピュータ・携 帯情報端末を含む通信機器を介したユーザーとの通信の インターフェイスとして機能するネットマーケットシス テム接続管理手段と、 ユーザーからのメッセージに基づく処理実行に伴うネッ トマーケットシステム内のトランザクションを監視する トランザクションモニタ (electronic commerce system) リング手段と、 ユーザーからのメッセージに基づく処理実行に必要なデ ータを記憶しあるいは要求に応じて提供するインターネ ットに接続されたデータ記憶提供手段と、 ユーザーからのメッセージに基づく処理実行に必要なア プリケーションソフトウェアを提供するアプリケーショ ン提供手段と、 既存システムや既存ソフトウェアへのアクセスや利用を 行うためのインターフェイスを提供する既存システムイ ンターフェイス提供手段と、 ユーザーからのメッセージに基づくネットマーケットシ ステム内の処理実行を統合制御する処理実行統合制御手 段と、 を備えたネットマーケットシステム。 JP2002049805A CLAIM 4 【請求項４】 請求項１に記載のネットマーケットシス テムに含まれるネットマーケットシステム接続管理手段 と、トランザクションモニタリング手段と、データ記憶 提供手段と、アプリケーション提供手段と、既存システ ムインターフェイス提供手段と、処理実行統合制御手段 とは、 エージョントの生成・派遣・消滅・再利用を含むエージ ェントの管理・統合を実行するエージェントサーバと、 ネットマーケットシステム内で利用・転送されるデータ のキャッシュ機能・データ保存・ＵＲＬ転送先の制御を 含むインターネットに接続されたトラフィック制御 (user account) 用高 速キャッシュサーバと、 ネットマーケットシステム内で実行される処理に用いる データを保存し提供するデータベースとしての機能を有 するデータサーバと、 ネットマーケットシステム内で実行される処理に使用す るアプリケーションソフトウェアを提供するアプリケー ションサーバと、の４つのウェブサーバが協働して実行 するネットマーケットシステム。 JP2002049805A CLAIM 5 【請求項５】 前記トランザクションモニタリング手段 は、ユーザーに対するネットマーケットシステム利用に ついての課金処理 (electronic commerce, user ID) を行う、請求項１に記載のネットマー ケットシステム。 |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (携帯電話) paid by other service providers . |
JP2002049805A CLAIM 1 【請求項１】 ネットワークを介して物・情報・サービ スの売買・交換を行うためのポータルとして機能するネ ットマーケットシステムであって、 携帯電話 (credit card service charge fees) ・ファクシミリ・パーソナルコンピュータ・携 帯情報端末を含む通信機器を介したユーザーとの通信の インターフェイスとして機能するネットマーケットシス テム接続管理手段と、 ユーザーからのメッセージに基づく処理実行に伴うネッ トマーケットシステム内のトランザクションを監視する トランザクションモニタリング手段と、 ユーザーからのメッセージに基づく処理実行に必要なデ ータを記憶しあるいは要求に応じて提供するインターネ ットに接続されたデータ記憶提供手段と、 ユーザーからのメッセージに基づく処理実行に必要なア プリケーションソフトウェアを提供するアプリケーショ ン提供手段と、 既存システムや既存ソフトウェアへのアクセスや利用を 行うためのインターフェイスを提供する既存システムイ ンターフェイス提供手段と、 ユーザーからのメッセージに基づくネットマーケットシ ステム内の処理実行を統合制御する処理実行統合制御手 段と、 を備えたネットマーケットシステム。 |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (課金処理) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
JP2002049805A CLAIM 5 【請求項５】 前記トランザクションモニタリング手段 は、ユーザーに対するネットマーケットシステム利用に ついての課金処理 (electronic commerce, user ID) を行う、請求項１に記載のネットマー ケットシステム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (データベース, ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2002049805A CLAIM 1 【請求項１】 ネットワ (multiple service providers) ークを介して物・情報・サービ スの売買・交換を行うためのポータルとして機能するネ ットマーケットシステムであって、 携帯電話・ファクシミリ・パーソナルコンピュータ・携 帯情報端末を含む通信機器を介したユーザーとの通信の インターフェイスとして機能するネットマーケットシス テム接続管理手段と、 ユーザーからのメッセージに基づく処理実行に伴うネッ トマーケットシステム内のトランザクションを監視する トランザクションモニタリング手段と、 ユーザーからのメッセージに基づく処理実行に必要なデ ータを記憶しあるいは要求に応じて提供するインターネ ットに接続されたデータ記憶提供手段と、 ユーザーからのメッセージに基づく処理実行に必要なア プリケーションソフトウェアを提供するアプリケーショ ン提供手段と、 既存システムや既存ソフトウェアへのアクセスや利用を 行うためのインターフェイスを提供する既存システムイ ンターフェイス提供手段と、 ユーザーからのメッセージに基づくネットマーケットシ ステム内の処理実行を統合制御する処理実行統合制御手 段と、 を備えたネットマーケットシステム。 JP2002049805A CLAIM 4 【請求項４】 請求項１に記載のネットマーケットシス テムに含まれるネットマーケットシステム接続管理手段 と、トランザクションモニタリング手段と、データ記憶 提供手段と、アプリケーション提供手段と、既存システ ムインターフェイス提供手段と、処理実行統合制御手段 とは、 エージョントの生成・派遣・消滅・再利用を含むエージ ェントの管理・統合を実行するエージェントサーバと、 ネットマーケットシステム内で利用・転送されるデータ のキャッシュ機能・データ保存・ＵＲＬ転送先の制御を 含むインターネットに接続されたトラフィック制御用高 速キャッシュサーバと、 ネットマーケットシステム内で実行される処理に用いる データを保存し提供するデータベース (multiple service providers) としての機能を有 するデータサーバと、 ネットマーケットシステム内で実行される処理に使用す るアプリケーションソフトウェアを提供するアプリケー ションサーバと、の４つのウェブサーバが協働して実行 するネットマーケットシステム。 |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (パーソナル) to offer the product for sale . |
JP2002049805A CLAIM 1 【請求項１】 ネットワークを介して物・情報・サービ スの売買・交換を行うためのポータルとして機能するネ ットマーケットシステムであって、 携帯電話・ファクシミリ・パーソナル (vendor computer, service provider computer) コンピュータ・携 帯情報端末を含む通信機器を介したユーザーとの通信の インターフェイスとして機能するネットマーケットシス テム接続管理手段と、 ユーザーからのメッセージに基づく処理実行に伴うネッ トマーケットシステム内のトランザクションを監視する トランザクションモニタリング手段と、 ユーザーからのメッセージに基づく処理実行に必要なデ ータを記憶しあるいは要求に応じて提供するインターネ ットに接続されたデータ記憶提供手段と、 ユーザーからのメッセージに基づく処理実行に必要なア プリケーションソフトウェアを提供するアプリケーショ ン提供手段と、 既存システムや既存ソフトウェアへのアクセスや利用を 行うためのインターフェイスを提供する既存システムイ ンターフェイス提供手段と、 ユーザーからのメッセージに基づくネットマーケットシ ステム内の処理実行を統合制御する処理実行統合制御手 段と、 を備えたネットマーケットシステム。 |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (パーソナル) to offer the product for sale . |
JP2002049805A CLAIM 1 【請求項１】 ネットワークを介して物・情報・サービ スの売買・交換を行うためのポータルとして機能するネ ットマーケットシステムであって、 携帯電話・ファクシミリ・パーソナル (vendor computer, service provider computer) コンピュータ・携 帯情報端末を含む通信機器を介したユーザーとの通信の インターフェイスとして機能するネットマーケットシス テム接続管理手段と、 ユーザーからのメッセージに基づく処理実行に伴うネッ トマーケットシステム内のトランザクションを監視する トランザクションモニタリング手段と、 ユーザーからのメッセージに基づく処理実行に必要なデ ータを記憶しあるいは要求に応じて提供するインターネ ットに接続されたデータ記憶提供手段と、 ユーザーからのメッセージに基づく処理実行に必要なア プリケーションソフトウェアを提供するアプリケーショ ン提供手段と、 既存システムや既存ソフトウェアへのアクセスや利用を 行うためのインターフェイスを提供する既存システムイ ンターフェイス提供手段と、 ユーザーからのメッセージに基づくネットマーケットシ ステム内の処理実行を統合制御する処理実行統合制御手 段と、 を備えたネットマーケットシステム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | CA2406001A1 Filed: 2001-04-13 Issued: 2001-10-25 A system and method for using loyalty points (Original Assignee) American Express Travel Related Services Company, Inc.; Emily Chien; Patricia G. Sanchez; Daniela M. Saunders; Jill Kudysch Wiseman; C. R. Balagopal; Al Kinderkrecht; Jon W. Parson; Ray Preston (Current Assignee) American Express Travel Related Services Co Inc Emily Chien, Patricia G. Sanchez, Daniela M. Saunders, Jill Kudysch Wiseman, C. R. Balagopal, Al Kinderkrecht, Jon W. Parson, Ray Preston |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer (server system) to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site (web site) provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (web site) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . CA2406001A1 CLAIM 36 . A method of claim 34 , further comprising the steps of : browsing a merchant' ; s online web site (different service, web site) for merchandise ; selecting a product to purchase using loyalty points by selecting an appropriate icon ; designating a participant' ; s financial transaction account to be associated with said loyalty program , wherein said currency credit is posted to said financial transaction account . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer (server system) to reimburse service providers for credit card service charge fees paid by other service providers . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer (server system) to collect a service charge for a bridge operator for the product purchase . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer (server system) to settle accounts between service providers according to a predetermine schedule . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer (server system) to maintain a database that contains information on which vendors are associated with which service providers . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (web site) and wherein the method further comprises using the bridge computer (server system) to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . CA2406001A1 CLAIM 36 . A method of claim 34 , further comprising the steps of : browsing a merchant' ; s online web site (different service, web site) for merchandise ; selecting a product to purchase using loyalty points by selecting an appropriate icon ; designating a participant' ; s financial transaction account to be associated with said loyalty program , wherein said currency credit is posted to said financial transaction account . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer (server system) to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (web site) provider . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . CA2406001A1 CLAIM 36 . A method of claim 34 , further comprising the steps of : browsing a merchant' ; s online web site (different service, web site) for merchandise ; selecting a product to purchase using loyalty points by selecting an appropriate icon ; designating a participant' ; s financial transaction account to be associated with said loyalty program , wherein said currency credit is posted to said financial transaction account . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer (server system) to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (web site) provider . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . CA2406001A1 CLAIM 36 . A method of claim 34 , further comprising the steps of : browsing a merchant' ; s online web site (different service, web site) for merchandise ; selecting a product to purchase using loyalty points by selecting an appropriate icon ; designating a participant' ; s financial transaction account to be associated with said loyalty program , wherein said currency credit is posted to said financial transaction account . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer (server system) to allow a user without an account to create a new service provider account when that user attempts to purchase products from a vendor , wherein the new account is created with the service provider associated with that vendor . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer (server system) to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (transaction card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
CA2406001A1 CLAIM 19 . A data processing and host server system (bridge computer) , including at least one application program and a plurality of databases , configured to facilitate the conversion of loyalty points stored in a participant' ; s loyalty account , wherein said loyalty account is associated with said participant within at least one loyalty program database system , comprising : a computerized account manager user interface system configured to accept communication from a loyalty program participant over a computerized network ; a computerized account manager loyalty system middleware coupled to said computerized user interface system configured to interface with at least a loyalty program database system to access and retrieve information , including accumulated loyalty points , from a participant' ; s loyalty account ; and a computerized account manager conversion processor configured to convert said loyalty points to a currency value and to facilitate the application of said currency value as a credit to a second account , wherein said second account is stored on a second database system . CA2406001A1 CLAIM 37 . A method for facilitating a transaction using loyalty points associated with a secondary transaction number , comprising the steps of : registering a participant to participate in a loyalty program ; establishing a loyalty account associated with said participant ; receiving a request from said participant to use loyalty points from said loyalty account to facilitate a transaction using a secondary transaction number ; retrieving loyalty account information associated with said participant ; invoking a conversion processor to convert said loyalty points to a currency credit ; generating a secondary transaction number with a credit limit of up to said currency credit ; wherein said secondary transaction number is configured in the same format as existing transaction charge cards so as to be accepted by existing transaction card (credit cards) authorization and settlement processing systems ; providing said secondary transaction number to said participant for use in facilitating said transaction ; and updating said loyalty account by reducing balance by the amount of said converted loyalty points . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (web site) on the vendor computer to offer the product for sale . |
CA2406001A1 CLAIM 36 . A method of claim 34 , further comprising the steps of : browsing a merchant' ; s online web site (different service, web site) for merchandise ; selecting a product to purchase using loyalty points by selecting an appropriate icon ; designating a participant' ; s financial transaction account to be associated with said loyalty program , wherein said currency credit is posted to said financial transaction account . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (web site) on the vendor computer to offer the product for sale . |
CA2406001A1 CLAIM 36 . A method of claim 34 , further comprising the steps of : browsing a merchant' ; s online web site (different service, web site) for merchandise ; selecting a product to purchase using loyalty points by selecting an appropriate icon ; designating a participant' ; s financial transaction account to be associated with said loyalty program , wherein said currency credit is posted to said financial transaction account . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2002207898A Filed: 2001-01-05 Issued: 2002-07-26 翻訳送信システム (Original Assignee) Woodheart:Kk; 株式会社 ウッドハート Hiroshi Yamamoto, 浩志 山本 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price (ある商品) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (依頼者) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2002207898A CLAIM 1 【請求項１】 ネットワーク回線を介して商品又は役務 の売買をする場合に売り手の使用言語と買い手の使用言 語とが異なるときにも該売り手と買い手との間のコミュ ニケーションを図るための翻訳送信システム (user device) において、 予め、第１の言語で表され且つ売り手と買い手との間で 慣用される文句を示す第１言語定型文データ、及び該第 １言語定型文データと別の言語で表され且つ同じ意味の 文句を示す第２言語定型文データの両定型文データを互 いに対応付けて複数組記憶する定型文データ記憶手段 と、 該定型文データ記憶手段に記憶される第１言語定型文デ ータの内の１又は２以上の第１言語定型文データが売り 手側又は買い手側により選択された場合には、該選択さ れた第１言語定型文データに対応付けて記憶される第２ 言語定型文データを相手側装置へ送信する第２言語定型 文データ送信手段を備えていることを特徴とする翻訳送 信システム。 JP2002207898A CLAIM 4 【請求項４】 売り手側又は買い手側の装置に対して定 型文以外の事項であって且つ翻訳を要する事項を入力可 能な入力欄を表示させる入力欄表示手段と、 該入力欄表示手段により表示された入力欄に入力される 非定型文を示す非定型文データを受信する非定形文デー タ受信手段と、 該非定型文データ受信手段の受信データを売買の対象で ある商品 (purchase price) 又は役務の専門的知識を有する者により翻訳さ せた翻訳内容を示す翻訳データを相手側装置へ送信する 翻訳データ送信手段を備えていることを特徴とする請求 項１から３の何れかに記載の翻訳送信システム。 JP2002207898A CLAIM 10 【請求項１０】 売り手側又は買い手側の装置より送ら れる電子メールを受信する電子メール受信段階と、 該電子メール受信手段により受信された電子メールを売 買の対象である商品又は役務の専門的知識を有する者に より翻訳させた翻訳データを相手側装置又は翻訳依頼者 (service providers) 側装置へ送信する翻訳データ送信段階とを備えているこ とを特徴とする請求項６から９の何れかに記載の翻訳送 信方法。 |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (依頼者) for credit card service charge fees paid by other service providers . |
JP2002207898A CLAIM 10 【請求項１０】 売り手側又は買い手側の装置より送ら れる電子メールを受信する電子メール受信段階と、 該電子メール受信手段により受信された電子メールを売 買の対象である商品又は役務の専門的知識を有する者に より翻訳させた翻訳データを相手側装置又は翻訳依頼者 (service providers) 側装置へ送信する翻訳データ送信段階とを備えているこ とを特徴とする請求項６から９の何れかに記載の翻訳送 信方法。 |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (依頼者) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
JP2002207898A CLAIM 10 【請求項１０】 売り手側又は買い手側の装置より送ら れる電子メールを受信する電子メール受信段階と、 該電子メール受信手段により受信された電子メールを売 買の対象である商品又は役務の専門的知識を有する者に より翻訳させた翻訳データを相手側装置又は翻訳依頼者 (service providers) 側装置へ送信する翻訳データ送信段階とを備えているこ とを特徴とする請求項６から９の何れかに記載の翻訳送 信方法。 |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (依頼者) according to a predetermine schedule . |
JP2002207898A CLAIM 10 【請求項１０】 売り手側又は買い手側の装置より送ら れる電子メールを受信する電子メール受信段階と、 該電子メール受信手段により受信された電子メールを売 買の対象である商品又は役務の専門的知識を有する者に より翻訳させた翻訳データを相手側装置又は翻訳依頼者 (service providers) 側装置へ送信する翻訳データ送信段階とを備えているこ とを特徴とする請求項６から９の何れかに記載の翻訳送 信方法。 |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (依頼者) . |
JP2002207898A CLAIM 10 【請求項１０】 売り手側又は買い手側の装置より送ら れる電子メールを受信する電子メール受信段階と、 該電子メール受信手段により受信された電子メールを売 買の対象である商品又は役務の専門的知識を有する者に より翻訳させた翻訳データを相手側装置又は翻訳依頼者 (service providers) 側装置へ送信する翻訳データ送信段階とを備えているこ とを特徴とする請求項６から９の何れかに記載の翻訳送 信方法。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2002207898A CLAIM 1 【請求項１】 ネットワーク回線を介して商品又は役務 の売買をする場合に売り手の使用言語と買い手の使用言 語とが異なるときにも該売り手と買い手との間のコミュ ニケーションを図るための翻訳送信システム (user device) において、 予め、第１の言語で表され且つ売り手と買い手との間で 慣用される文句を示す第１言語定型文データ、及び該第 １言語定型文データと別の言語で表され且つ同じ意味の 文句を示す第２言語定型文データの両定型文データを互 いに対応付けて複数組記憶する定型文データ記憶手段 と、 該定型文データ記憶手段に記憶される第１言語定型文デ ータの内の１又は２以上の第１言語定型文データが売り 手側又は買い手側により選択された場合には、該選択さ れた第１言語定型文データに対応付けて記憶される第２ 言語定型文データを相手側装置へ送信する第２言語定型 文データ送信手段を備えていることを特徴とする翻訳送 信システム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (依頼者) (ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2002207898A CLAIM 1 【請求項１】 ネットワ (multiple service providers) ーク回線を介して商品又は役務 の売買をする場合に売り手の使用言語と買い手の使用言 語とが異なるときにも該売り手と買い手との間のコミュ ニケーションを図るための翻訳送信システムにおいて、 予め、第１の言語で表され且つ売り手と買い手との間で 慣用される文句を示す第１言語定型文データ、及び該第 １言語定型文データと別の言語で表され且つ同じ意味の 文句を示す第２言語定型文データの両定型文データを互 いに対応付けて複数組記憶する定型文データ記憶手段 と、 該定型文データ記憶手段に記憶される第１言語定型文デ ータの内の１又は２以上の第１言語定型文データが売り 手側又は買い手側により選択された場合には、該選択さ れた第１言語定型文データに対応付けて記憶される第２ 言語定型文データを相手側装置へ送信する第２言語定型 文データ送信手段を備えていることを特徴とする翻訳送 信システム。 JP2002207898A CLAIM 10 【請求項１０】 売り手側又は買い手側の装置より送ら れる電子メールを受信する電子メール受信段階と、 該電子メール受信手段により受信された電子メールを売 買の対象である商品又は役務の専門的知識を有する者に より翻訳させた翻訳データを相手側装置又は翻訳依頼者 (service providers) 側装置へ送信する翻訳データ送信段階とを備えているこ とを特徴とする請求項６から９の何れかに記載の翻訳送 信方法。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001216441A Filed: 2000-11-13 Issued: 2001-08-10 電子トークンを用いて電子商取引を実行する方法 (Original Assignee) Gtx Corp; ジーティーエックス・コーポレーション Marvin T Ling, マービン・ティー・リング |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (電子商取引) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (ベンダ) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001216441A CLAIM 1 【請求項１】 電子商取引 (electronic commerce, electronic commerce system) を実行する方法において、 ユーザのために第１ベンダ (vendor computer) にユーザ口座を開くステップ と、 第１ベンダからユーザに１つ以上の電子トークンを発行 して、ユーザ口座に第１ベンダによって発行された１つ 以上の電子トークンを追加するステップと、 第１ベンダを介して購入可能な製品及びサービスであっ て、その価格が電子トークンの単位ででリストアップさ れる製品及びサービスを提供するステップと、 購入する製品及びサービスからなるサブセットを、ユー ザが選択できるようにするステップと、 電子トークンの単位で、選択された製品及びサービスの サブセットの合計価格を計算するステップと、 ユーザ口座が、該合計価格以上の電子トークンを保持し ている場合に、選択された製品及びサービスのサブセッ トをユーザが購入できるようにし、ユーザ口座から合計 価格を差し引くステップと、 ユーザが、第１ベンダから発行されたユーザ口座内の電 子トークンの第１グループを、第２ベンダによって発行 された電子トークンの第２グループと交換できるように するステップと、 第２ベンダによって発行された電子トークンの第２グル ープを使用して、第２ベンダを介して、価格が電子トー クンの単位でリストアップされている製品を購入する機 会をユーザに提供するステップと、 電子トークンの第１グループの価値と等しくなるよう に、第１ベンダから第２ベンダへ埋め合わせ分を転送す るステップとからなることを特徴とする方法。 |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (ベンダ) to offer the product for sale . |
JP2001216441A CLAIM 1 【請求項１】 電子商取引を実行する方法において、 ユーザのために第１ベンダ (vendor computer) にユーザ口座を開くステップ と、 第１ベンダからユーザに１つ以上の電子トークンを発行 して、ユーザ口座に第１ベンダによって発行された１つ 以上の電子トークンを追加するステップと、 第１ベンダを介して購入可能な製品及びサービスであっ て、その価格が電子トークンの単位ででリストアップさ れる製品及びサービスを提供するステップと、 購入する製品及びサービスからなるサブセットを、ユー ザが選択できるようにするステップと、 電子トークンの単位で、選択された製品及びサービスの サブセットの合計価格を計算するステップと、 ユーザ口座が、該合計価格以上の電子トークンを保持し ている場合に、選択された製品及びサービスのサブセッ トをユーザが購入できるようにし、ユーザ口座から合計 価格を差し引くステップと、 ユーザが、第１ベンダから発行されたユーザ口座内の電 子トークンの第１グループを、第２ベンダによって発行 された電子トークンの第２グループと交換できるように するステップと、 第２ベンダによって発行された電子トークンの第２グル ープを使用して、第２ベンダを介して、価格が電子トー クンの単位でリストアップされている製品を購入する機 会をユーザに提供するステップと、 電子トークンの第１グループの価値と等しくなるよう に、第１ベンダから第２ベンダへ埋め合わせ分を転送す るステップとからなることを特徴とする方法。 |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (ベンダ) to offer the product for sale . |
JP2001216441A CLAIM 1 【請求項１】 電子商取引を実行する方法において、 ユーザのために第１ベンダ (vendor computer) にユーザ口座を開くステップ と、 第１ベンダからユーザに１つ以上の電子トークンを発行 して、ユーザ口座に第１ベンダによって発行された１つ 以上の電子トークンを追加するステップと、 第１ベンダを介して購入可能な製品及びサービスであっ て、その価格が電子トークンの単位ででリストアップさ れる製品及びサービスを提供するステップと、 購入する製品及びサービスからなるサブセットを、ユー ザが選択できるようにするステップと、 電子トークンの単位で、選択された製品及びサービスの サブセットの合計価格を計算するステップと、 ユーザ口座が、該合計価格以上の電子トークンを保持し ている場合に、選択された製品及びサービスのサブセッ トをユーザが購入できるようにし、ユーザ口座から合計 価格を差し引くステップと、 ユーザが、第１ベンダから発行されたユーザ口座内の電 子トークンの第１グループを、第２ベンダによって発行 された電子トークンの第２グループと交換できるように するステップと、 第２ベンダによって発行された電子トークンの第２グル ープを使用して、第２ベンダを介して、価格が電子トー クンの単位でリストアップされている製品を購入する機 会をユーザに提供するステップと、 電子トークンの第１グループの価値と等しくなるよう に、第１ベンダから第２ベンダへ埋め合わせ分を転送す るステップとからなることを特徴とする方法。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2002109286A Filed: 2000-10-03 Issued: 2002-04-12 バケットオークションシステム、これを記録したコンピュータ読み取り可能な記録媒体およびバケットオークション装置 (Original Assignee) Mitsunori Hikita; 光伯 疋田 Mitsunori Hikita, 光伯 疋田 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (読み取り) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer (読み取り) , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2002109286A CLAIM 1 【請求項１】通信網を介して買い手通信端末との間およ び売り手通信端末との間で通信可能な通信端末で動作し うるシステム (user device) であって、前記売り手通信端末から送信さ れる商品情報の登録要求に応じて、商品ＩＤ毎に商品の 商品情報を格納し管理する登録商品データベースと、前 記買い手通信端末から送信される購買希望情報の登録要 求に応じて、買い手ＩＤ毎、商品ＩＤ毎、購買希望ＩＤ 毎に購買希望の商品、希望数量および希望価格を格納し 管理する購買希望データベースと、前記売り手通信端末 から送信される入札情報の登録要求に応じて、商品ＩＤ 毎、入札ＩＤ毎に入札対象の商品、入札数量および入札 価格を格納し管理する入札データベースと、前記入札デ ータベースに格納された複数の入札情報に基づいて、同 一商品ＩＤ毎に、落札される商品の売り手、落札数量お よび落札価格を決定する落札決定手段と、該落札手段に よって落札された商品の落札数量および落札価格を、入 札ＩＤ毎、落札ＩＤ毎に格納し管理する落札データベー スと、前記買い手通信端末および売り手通信端末に落札 情報を通知する落札情報通知手段とからなることを特徴 とするバケットオークションシステム。 JP2002109286A CLAIM 5 【請求項５】請求項１、２、３または４記載のバケット オークションシステムが格納されたことを特徴とするコ ンピュータ読み取り (vendor computer, service provider computer) 可能な記録媒体。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2002109286A CLAIM 1 【請求項１】通信網を介して買い手通信端末との間およ び売り手通信端末との間で通信可能な通信端末で動作し うるシステム (user device) であって、前記売り手通信端末から送信さ れる商品情報の登録要求に応じて、商品ＩＤ毎に商品の 商品情報を格納し管理する登録商品データベースと、前 記買い手通信端末から送信される購買希望情報の登録要 求に応じて、買い手ＩＤ毎、商品ＩＤ毎、購買希望ＩＤ 毎に購買希望の商品、希望数量および希望価格を格納し 管理する購買希望データベースと、前記売り手通信端末 から送信される入札情報の登録要求に応じて、商品ＩＤ 毎、入札ＩＤ毎に入札対象の商品、入札数量および入札 価格を格納し管理する入札データベースと、前記入札デ ータベースに格納された複数の入札情報に基づいて、同 一商品ＩＤ毎に、落札される商品の売り手、落札数量お よび落札価格を決定する落札決定手段と、該落札手段に よって落札された商品の落札数量および落札価格を、入 札ＩＤ毎、落札ＩＤ毎に格納し管理する落札データベー スと、前記買い手通信端末および売り手通信端末に落札 情報を通知する落札情報通知手段とからなることを特徴 とするバケットオークションシステム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (データベース) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2002109286A CLAIM 1 【請求項１】通信網を介して買い手通信端末との間およ び売り手通信端末との間で通信可能な通信端末で動作し うるシステムであって、前記売り手通信端末から送信さ れる商品情報の登録要求に応じて、商品ＩＤ毎に商品の 商品情報を格納し管理する登録商品データベース (multiple service providers) と、前 記買い手通信端末から送信される購買希望情報の登録要 求に応じて、買い手ＩＤ毎、商品ＩＤ毎、購買希望ＩＤ 毎に購買希望の商品、希望数量および希望価格を格納し 管理する購買希望データベースと、前記売り手通信端末 から送信される入札情報の登録要求に応じて、商品ＩＤ 毎、入札ＩＤ毎に入札対象の商品、入札数量および入札 価格を格納し管理する入札データベースと、前記入札デ ータベースに格納された複数の入札情報に基づいて、同 一商品ＩＤ毎に、落札される商品の売り手、落札数量お よび落札価格を決定する落札決定手段と、該落札手段に よって落札された商品の落札数量および落札価格を、入 札ＩＤ毎、落札ＩＤ毎に格納し管理する落札データベー スと、前記買い手通信端末および売り手通信端末に落札 情報を通知する落札情報通知手段とからなることを特徴 とするバケットオークションシステム。 |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (読み取り) to offer the product for sale . |
JP2002109286A CLAIM 5 【請求項５】請求項１、２、３または４記載のバケット オークションシステムが格納されたことを特徴とするコ ンピュータ読み取り (vendor computer, service provider computer) 可能な記録媒体。 |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (読み取り) to offer the product for sale . |
JP2002109286A CLAIM 5 【請求項５】請求項１、２、３または４記載のバケット オークションシステムが格納されたことを特徴とするコ ンピュータ読み取り (vendor computer, service provider computer) 可能な記録媒体。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001092899A Filed: 2000-09-06 Issued: 2001-04-06 Electronic commerce system and method (Original Assignee) Shuko Gen; 種浩 元 Shuko Gen, 種浩 元 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (electronic commerce system, 電子商取引) system (electronic commerce system, 電子商取引) having a bridge computer to allow a user at a user device (システム, performing) to make a product purchase at a purchase price (product information, purchase price) from a given vendor having a web site provided by a vendor computer (読み取り) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (データベース, own database) wherein each of the plurality of service providers has a service provider computer (読み取り) , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (データベース, own database) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001092899A CLAIM 1 【請求項１】 通信網を通して商品情報を提供するサー バに接続された売り手及び買い手端末間の相互情報交換 を通して商品の取引を行う電子商取引 (electronic commerce system, electronic commerce) 方法において， (ａ) 前記買い手端末から購買しようとする商品の種 類，買い値及び購買数量を含む購買情報を入力されて貯 蔵する段階と，(ｂ) 前記売り手端末から販売しようと する商品種類，売り値及び販売数量を含む販売情報を入 力されて貯蔵する段階と，(ｃ) 同一商品に対する前記 売り値と前記買い値とを比較する段階と，(ｄ) 前記買 い値が前記売り値と等しいか高い場合に，買い手と売り 手間に取引を締結させる段階とを含むことを特徴とする 電子商取引方法。 1 . An electronic commerce method for trading goods through mutual information exchange between seller and buyer terminals connected to a server for providing goods information through a communication network . (a) inputting and storing purchase information including a type , a purchase price (purchase price) , and a purchase quantity of a product to be purchased from the buyer terminal ; and (b) a product type , a sale price , and a sale to be sold from the seller terminal . (C) comparing the selling price and the buying price for the same product , and (d) buying and selling when the buying price is equal to or higher than the selling price . And a step of concluding a transaction between sellers . JP2001092899A CLAIM 7 【請求項７】 請求項１に記載の方法を電子商取引シス テムに実行させるためのプログラムを記録したコンピュ ータで読み取り (vendor computer, service provider computer) 可能な記録媒体。 7 . A computer-readable recording medium on which a program for causing an electronic commerce system (electronic commerce system, electronic commerce) to execute the method according to claim 1 is recorded . JP2001092899A CLAIM 8 【請求項８】 商品情報を提供するサーバを含み，通信 網を通して前記サーバに接続された使用者端末間の相互 情報交換を通して商品取引を行う電子商取引システム (user device) に おいて，(ｅ) 買い手端末から入力された購買しようと する商品種類，買い値及び購買数量を含む購買情報を貯 蔵する物品購買希望内訳データベース (multiple service providers, different service, service providers) と，(ｆ) 売り手 端末から入力された販売しようとする商品種類，売り値 及び販売数量を含む販売情報を貯蔵する物品供給希望内 訳データベースと，(ｇ) 前記売り値と前記買い値とを 比較するための価格比較手段と，(ｈ) 前記買い値が前 記売り値と等しいか高い場合に，買い手と売り手との取 引を締結させる取引締結手段とを含むことを特徴とする 電子商取引システム。 8 . An e-commerce system including a server for providing product information (purchase price) and performing (user device) a product transaction through mutual information exchange between user terminals connected to the server through a communication network , wherein (e) an input from a buyer terminal is provided . A goods purchase desire breakdown database (multiple service providers, different service, service providers) storing purchase information including a product type , a purchase price , and a purchase quantity to be purchased , and (f) sales information including a product type , a sale price , and a sales quantity to be sold inputted from a seller terminal . And (g) price comparing means for comparing the sell price with the buy price ; and (h) a buyer and a seller when the buy price is equal to or higher than the sell price . An electronic commerce system comprising : transaction conclusion means for concluding a transaction . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (データベース, own database) for credit card service charge fees paid by other service providers . |
JP2001092899A CLAIM 8 【請求項８】 商品情報を提供するサーバを含み，通信 網を通して前記サーバに接続された使用者端末間の相互 情報交換を通して商品取引を行う電子商取引システムに おいて，(ｅ) 買い手端末から入力された購買しようと する商品種類，買い値及び購買数量を含む購買情報を貯 蔵する物品購買希望内訳データベース (multiple service providers, different service, service providers) と，(ｆ) 売り手 端末から入力された販売しようとする商品種類，売り値 及び販売数量を含む販売情報を貯蔵する物品供給希望内 訳データベースと，(ｇ) 前記売り値と前記買い値とを 比較するための価格比較手段と，(ｈ) 前記買い値が前 記売り値と等しいか高い場合に，買い手と売り手との取 引を締結させる取引締結手段とを含むことを特徴とする 電子商取引システム。 8 . An e-commerce system including a server for providing product information and performing a product transaction through mutual information exchange between user terminals connected to the server through a communication network , wherein (e) an input from a buyer terminal is provided . A goods purchase desire breakdown database (multiple service providers, different service, service providers) storing purchase information including a product type , a purchase price , and a purchase quantity to be purchased , and (f) sales information including a product type , a sale price , and a sales quantity to be sold inputted from a seller terminal . And (g) price comparing means for comparing the sell price with the buy price ; and (h) a buyer and a seller when the buy price is equal to or higher than the sell price . An electronic commerce system comprising : transaction conclusion means for concluding a transaction . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (データベース, own database) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
JP2001092899A CLAIM 8 【請求項８】 商品情報を提供するサーバを含み，通信 網を通して前記サーバに接続された使用者端末間の相互 情報交換を通して商品取引を行う電子商取引システムに おいて，(ｅ) 買い手端末から入力された購買しようと する商品種類，買い値及び購買数量を含む購買情報を貯 蔵する物品購買希望内訳データベース (multiple service providers, different service, service providers) と，(ｆ) 売り手 端末から入力された販売しようとする商品種類，売り値 及び販売数量を含む販売情報を貯蔵する物品供給希望内 訳データベースと，(ｇ) 前記売り値と前記買い値とを 比較するための価格比較手段と，(ｈ) 前記買い値が前 記売り値と等しいか高い場合に，買い手と売り手との取 引を締結させる取引締結手段とを含むことを特徴とする 電子商取引システム。 8 . An e-commerce system including a server for providing product information and performing a product transaction through mutual information exchange between user terminals connected to the server through a communication network , wherein (e) an input from a buyer terminal is provided . A goods purchase desire breakdown database (multiple service providers, different service, service providers) storing purchase information including a product type , a purchase price , and a purchase quantity to be purchased , and (f) sales information including a product type , a sale price , and a sales quantity to be sold inputted from a seller terminal . And (g) price comparing means for comparing the sell price with the buy price ; and (h) a buyer and a seller when the buy price is equal to or higher than the sell price . An electronic commerce system comprising : transaction conclusion means for concluding a transaction . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (データベース, own database) according to a predetermine schedule . |
JP2001092899A CLAIM 8 【請求項８】 商品情報を提供するサーバを含み，通信 網を通して前記サーバに接続された使用者端末間の相互 情報交換を通して商品取引を行う電子商取引システムに おいて，(ｅ) 買い手端末から入力された購買しようと する商品種類，買い値及び購買数量を含む購買情報を貯 蔵する物品購買希望内訳データベース (multiple service providers, different service, service providers) と，(ｆ) 売り手 端末から入力された販売しようとする商品種類，売り値 及び販売数量を含む販売情報を貯蔵する物品供給希望内 訳データベースと，(ｇ) 前記売り値と前記買い値とを 比較するための価格比較手段と，(ｈ) 前記買い値が前 記売り値と等しいか高い場合に，買い手と売り手との取 引を締結させる取引締結手段とを含むことを特徴とする 電子商取引システム。 8 . An e-commerce system including a server for providing product information and performing a product transaction through mutual information exchange between user terminals connected to the server through a communication network , wherein (e) an input from a buyer terminal is provided . A goods purchase desire breakdown database (multiple service providers, different service, service providers) storing purchase information including a product type , a purchase price , and a purchase quantity to be purchased , and (f) sales information including a product type , a sale price , and a sales quantity to be sold inputted from a seller terminal . And (g) price comparing means for comparing the sell price with the buy price ; and (h) a buyer and a seller when the buy price is equal to or higher than the sell price . An electronic commerce system comprising : transaction conclusion means for concluding a transaction . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (データベース, own database) . |
JP2001092899A CLAIM 8 【請求項８】 商品情報を提供するサーバを含み，通信 網を通して前記サーバに接続された使用者端末間の相互 情報交換を通して商品取引を行う電子商取引システムに おいて，(ｅ) 買い手端末から入力された購買しようと する商品種類，買い値及び購買数量を含む購買情報を貯 蔵する物品購買希望内訳データベース (multiple service providers, different service, service providers) と，(ｆ) 売り手 端末から入力された販売しようとする商品種類，売り値 及び販売数量を含む販売情報を貯蔵する物品供給希望内 訳データベースと，(ｇ) 前記売り値と前記買い値とを 比較するための価格比較手段と，(ｈ) 前記買い値が前 記売り値と等しいか高い場合に，買い手と売り手との取 引を締結させる取引締結手段とを含むことを特徴とする 電子商取引システム。 8 . An e-commerce system including a server for providing product information and performing a product transaction through mutual information exchange between user terminals connected to the server through a communication network , wherein (e) an input from a buyer terminal is provided . A goods purchase desire breakdown database (multiple service providers, different service, service providers) storing purchase information including a product type , a purchase price , and a purchase quantity to be purchased , and (f) sales information including a product type , a sale price , and a sales quantity to be sold inputted from a seller terminal . And (g) price comparing means for comparing the sell price with the buy price ; and (h) a buyer and a seller when the buy price is equal to or higher than the sell price . An electronic commerce system comprising : transaction conclusion means for concluding a transaction . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム, performing) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2001092899A CLAIM 8 【請求項８】 商品情報を提供するサーバを含み，通信 網を通して前記サーバに接続された使用者端末間の相互 情報交換を通して商品取引を行う電子商取引システム (user device) に おいて，(ｅ) 買い手端末から入力された購買しようと する商品種類，買い値及び購買数量を含む購買情報を貯 蔵する物品購買希望内訳データベースと，(ｆ) 売り手 端末から入力された販売しようとする商品種類，売り値 及び販売数量を含む販売情報を貯蔵する物品供給希望内 訳データベースと，(ｇ) 前記売り値と前記買い値とを 比較するための価格比較手段と，(ｈ) 前記買い値が前 記売り値と等しいか高い場合に，買い手と売り手との取 引を締結させる取引締結手段とを含むことを特徴とする 電子商取引システム。 8 . An e-commerce system including a server for providing product information and performing (user device) a product transaction through mutual information exchange between user terminals connected to the server through a communication network , wherein (e) an input from a buyer terminal is provided . A goods purchase desire breakdown database storing purchase information including a product type , a purchase price , and a purchase quantity to be purchased , and (f) sales information including a product type , a sale price , and a sales quantity to be sold inputted from a seller terminal . And (g) price comparing means for comparing the sell price with the buy price ; and (h) a buyer and a seller when the buy price is equal to or higher than the sell price . An electronic commerce system comprising : transaction conclusion means for concluding a transaction . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (データベース, own database) provider . |
JP2001092899A CLAIM 8 【請求項８】 商品情報を提供するサーバを含み，通信 網を通して前記サーバに接続された使用者端末間の相互 情報交換を通して商品取引を行う電子商取引システムに おいて，(ｅ) 買い手端末から入力された購買しようと する商品種類，買い値及び購買数量を含む購買情報を貯 蔵する物品購買希望内訳データベース (multiple service providers, different service, service providers) と，(ｆ) 売り手 端末から入力された販売しようとする商品種類，売り値 及び販売数量を含む販売情報を貯蔵する物品供給希望内 訳データベースと，(ｇ) 前記売り値と前記買い値とを 比較するための価格比較手段と，(ｈ) 前記買い値が前 記売り値と等しいか高い場合に，買い手と売り手との取 引を締結させる取引締結手段とを含むことを特徴とする 電子商取引システム。 8 . An e-commerce system including a server for providing product information and performing a product transaction through mutual information exchange between user terminals connected to the server through a communication network , wherein (e) an input from a buyer terminal is provided . A goods purchase desire breakdown database (multiple service providers, different service, service providers) storing purchase information including a product type , a purchase price , and a purchase quantity to be purchased , and (f) sales information including a product type , a sale price , and a sales quantity to be sold inputted from a seller terminal . And (g) price comparing means for comparing the sell price with the buy price ; and (h) a buyer and a seller when the buy price is equal to or higher than the sell price . An electronic commerce system comprising : transaction conclusion means for concluding a transaction . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (データベース, own database) provider . |
JP2001092899A CLAIM 8 【請求項８】 商品情報を提供するサーバを含み，通信 網を通して前記サーバに接続された使用者端末間の相互 情報交換を通して商品取引を行う電子商取引システムに おいて，(ｅ) 買い手端末から入力された購買しようと する商品種類，買い値及び購買数量を含む購買情報を貯 蔵する物品購買希望内訳データベース (multiple service providers, different service, service providers) と，(ｆ) 売り手 端末から入力された販売しようとする商品種類，売り値 及び販売数量を含む販売情報を貯蔵する物品供給希望内 訳データベースと，(ｇ) 前記売り値と前記買い値とを 比較するための価格比較手段と，(ｈ) 前記買い値が前 記売り値と等しいか高い場合に，買い手と売り手との取 引を締結させる取引締結手段とを含むことを特徴とする 電子商取引システム。 8 . An e-commerce system including a server for providing product information and performing a product transaction through mutual information exchange between user terminals connected to the server through a communication network , wherein (e) an input from a buyer terminal is provided . A goods purchase desire breakdown database (multiple service providers, different service, service providers) storing purchase information including a product type , a purchase price , and a purchase quantity to be purchased , and (f) sales information including a product type , a sale price , and a sales quantity to be sold inputted from a seller terminal . And (g) price comparing means for comparing the sell price with the buy price ; and (h) a buyer and a seller when the buy price is equal to or higher than the sell price . An electronic commerce system comprising : transaction conclusion means for concluding a transaction . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (データベース, own database) (データベース, own database) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2001092899A CLAIM 8 【請求項８】 商品情報を提供するサーバを含み，通信 網を通して前記サーバに接続された使用者端末間の相互 情報交換を通して商品取引を行う電子商取引システムに おいて，(ｅ) 買い手端末から入力された購買しようと する商品種類，買い値及び購買数量を含む購買情報を貯 蔵する物品購買希望内訳データベース (multiple service providers, different service, service providers) と，(ｆ) 売り手 端末から入力された販売しようとする商品種類，売り値 及び販売数量を含む販売情報を貯蔵する物品供給希望内 訳データベースと，(ｇ) 前記売り値と前記買い値とを 比較するための価格比較手段と，(ｈ) 前記買い値が前 記売り値と等しいか高い場合に，買い手と売り手との取 引を締結させる取引締結手段とを含むことを特徴とする 電子商取引システム。 8 . An e-commerce system including a server for providing product information and performing a product transaction through mutual information exchange between user terminals connected to the server through a communication network , wherein (e) an input from a buyer terminal is provided . A goods purchase desire breakdown database (multiple service providers, different service, service providers) storing purchase information including a product type , a purchase price , and a purchase quantity to be purchased , and (f) sales information including a product type , a sale price , and a sales quantity to be sold inputted from a seller terminal . And (g) price comparing means for comparing the sell price with the buy price ; and (h) a buyer and a seller when the buy price is equal to or higher than the sell price . An electronic commerce system comprising : transaction conclusion means for concluding a transaction . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (読み取り) to offer the product for sale . |
JP2001092899A CLAIM 7 【請求項７】 請求項１に記載の方法を電子商取引シス テムに実行させるためのプログラムを記録したコンピュ ータで読み取り (vendor computer, service provider computer) 可能な記録媒体。 7 . A computer-readable recording medium on which a program for causing an electronic commerce system to execute the method according to claim 1 is recorded . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (読み取り) to offer the product for sale . |
JP2001092899A CLAIM 7 【請求項７】 請求項１に記載の方法を電子商取引シス テムに実行させるためのプログラムを記録したコンピュ ータで読み取り (vendor computer, service provider computer) 可能な記録媒体。 7 . A computer-readable recording medium on which a program for causing an electronic commerce system to execute the method according to claim 1 is recorded . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001273416A Filed: 2000-07-14 Issued: 2001-10-05 多対多双方向競売方式による通信商品取引所システム及びその方法 (Original Assignee) Goodsdaq Co Ltd; グッズダック・カンパニー・リミテッド Eibai Gu, Eitoku Kin, Daishoku Ryo, 永培 具, 大植 梁, 榮徳 金 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001273416A CLAIM 1 【請求項１】 商品取引所の内部で生じる全ての事項を 管理するウェブサーバーと、前記商品取引所を介して契 約された競売案件を検討及び分類し、競売契約が成立し ている販売者と購買者を同一地域又は近接地域毎に分類 して関連付け、配送費の節減を図る配送前処理部と、前 記商品取引所での販売者と購買者間の契約締結を担当す る締結部と、前記ウェブサーバーで処理されるデータを 保存及び管理するデータベース部と、支払管理部を含 み、契約締結後の代金決済及び精算を処理するためにク レジットカード会社との通信を担当する支払サーバーを 備え、通信回線上で実際に契約を処理すると共に、取引 状況を提供する商品取引所と、 前記商品取引所の全体的な運営及び管理を担当する管理 部と、 前記販売者が前記商品取引所への登録を希望する場合、 前記商品取引所の要求に従い前記販売者の信用評価を担 当する信用評価部と、 前記商品取引所の要求に従い、前記購買者が所有するク レジットカードの信用状態の管理及び購買代金の決済を 担当するクレジットカード会社と、 前記商品取引所の要求に従い、前記配送前処理部で関連 付けられた配送ラインを検索し、販売者と購買者間の商 品配送サービスを担当する配送提供部とを備える、多対 多双方向競売方式による通信商品取引所システム (user device) 。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2001273416A CLAIM 1 【請求項１】 商品取引所の内部で生じる全ての事項を 管理するウェブサーバーと、前記商品取引所を介して契 約された競売案件を検討及び分類し、競売契約が成立し ている販売者と購買者を同一地域又は近接地域毎に分類 して関連付け、配送費の節減を図る配送前処理部と、前 記商品取引所での販売者と購買者間の契約締結を担当す る締結部と、前記ウェブサーバーで処理されるデータを 保存及び管理するデータベース部と、支払管理部を含 み、契約締結後の代金決済及び精算を処理するためにク レジットカード会社との通信を担当する支払サーバーを 備え、通信回線上で実際に契約を処理すると共に、取引 状況を提供する商品取引所と、 前記商品取引所の全体的な運営及び管理を担当する管理 部と、 前記販売者が前記商品取引所への登録を希望する場合、 前記商品取引所の要求に従い前記販売者の信用評価を担 当する信用評価部と、 前記商品取引所の要求に従い、前記購買者が所有するク レジットカードの信用状態の管理及び購買代金の決済を 担当するクレジットカード会社と、 前記商品取引所の要求に従い、前記配送前処理部で関連 付けられた配送ラインを検索し、販売者と購買者間の商 品配送サービスを担当する配送提供部とを備える、多対 多双方向競売方式による通信商品取引所システム (user device) 。 |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products from a vendor , wherein the new account (情報データ) is created with the service provider associated with that vendor . |
JP2001273416A CLAIM 21 【請求項２１】 前記第３過程における注文の分類処理 は、 入力された注文を新規の通常注文、取消注文及び訂正注 文に分類し、今回入力された注文が通常注文であれば買 入注文に該当するか否かを確認し、買入注文でない場合 には売渡注文の処理を行い、確認の結果買入注文である 場合には、売渡注文集計データベースで売渡注文の存在 の有無を確認する第１段階と、 前記確認の結果、売渡注文が存在すれば、今回入力され た買入注文の買入価格が最低売渡価格以上であるかを判 断し、この条件を満足すれば売渡注文集計データベース で最低売渡価格の売渡注文から順に買入価格以下の売渡 注文までを、新しく入力された買入注文と契約締結させ る第２段階と、 前記契約締結が成立すれば、買い手のクレジットカード の有効性を確認してクレジットカード決済が可能か否か を判断し、決済不能であれば前記契約締結を取消して買 い手に決済不能である旨を通知した後、契約締結以前の 状態に売渡注文集計データベースを復帰させる第３段階 と、 前記の第２段階で、売渡注文集計データベースに売渡注 文が存在しない場合及び買入価格が最低売渡価格より低 い場合には、前記契約未締結の残量の買入注文を買入注 文集計データベースにおけるその買入注文の価格帯に存 在する注文のうち、最後の注文の次の順位に追加する第 ４段階と、 前記追加完了後、締結情報データ (new account) ベースと情報提供画面 を更新し、契約締結結果を注文者に通知する第５段階と を備えることを特徴とする、請求項１２に記載の多対多 双方向競売方式による通信商品取引方法。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001357229A Filed: 2000-06-12 Issued: 2001-12-26 Work mediation system (Original Assignee) Intrigue:Kk; 株式会社 イントリーグ Akihiro Nagai, 昭弘 永井 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム, connection) to make a product purchase at a purchase price from a given vendor having a web site (web site) provided by a vendor computer (ベンダー) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001357229A CLAIM 1 【請求項１】 ユーザー会員の個人情報又は企業情報を 記憶するユーザー会員データベースと、ベンダー (vendor computer) 会員の 個人情報又は企業情報を記憶するベンダー会員データベ ースと、所定の注文書フォーマットを記憶すると共に、 ユーザー会員が注文書に記入した要望事項である案件内 容も記憶する案件データベースと、所定の提案書フォー マットを記憶すると共に、ベンダー会員が記入した提案 情報も記憶する提案書データベースと、更に案件データ ベースに記憶された案件内容の一部を一覧表示可能とす る案件閲覧ページ、及び、各案件に対応した提案書の一 覧リストを表示可能とする提案書閲覧ページとを備えた ウエブサイトと、接続制御手段を介してこのウエブサイ トに通信手段により接続されるユーザー側入力手段及び ベンダー側入力手段と、更に、案件データベースに記憶 された注文書の内容を修正補完する注文書修正入力手 段、及び、ウエブサイトに入力される各種情報を監視す るシステム (user device, bridge operator) 監視手段とにより構成したことを特徴とする 仕事仲介システム。 1 . A user member database that stores personal information or company information of a user member , a vendor member database that stores personal information or company information of a vendor member , and a predetermined order form is stored . A case database that stores the contents of the case , which is a request item entered by the user member , a proposal database that stores a predetermined proposal format , and also stores proposal information that is filled in by the vendor member . A website provided with a case browsing page capable of displaying a list of a part of the stored case contents , and a proposal browsing page capable of displaying a list of proposals corresponding to each case ; and connection (user device, bridge operator) control means . User-side input means and vendor-side input means connected to the web site (web site) via communication means via the Internet , further , an order form correction input means for correcting and supplementing the contents of the order form stored in the case database , and a web site And a system monitoring means for monitoring various types of information input to the system . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator (システム, connection) for the product purchase . |
JP2001357229A CLAIM 1 【請求項１】 ユーザー会員の個人情報又は企業情報を 記憶するユーザー会員データベースと、ベンダー会員の 個人情報又は企業情報を記憶するベンダー会員データベ ースと、所定の注文書フォーマットを記憶すると共に、 ユーザー会員が注文書に記入した要望事項である案件内 容も記憶する案件データベースと、所定の提案書フォー マットを記憶すると共に、ベンダー会員が記入した提案 情報も記憶する提案書データベースと、更に案件データ ベースに記憶された案件内容の一部を一覧表示可能とす る案件閲覧ページ、及び、各案件に対応した提案書の一 覧リストを表示可能とする提案書閲覧ページとを備えた ウエブサイトと、接続制御手段を介してこのウエブサイ トに通信手段により接続されるユーザー側入力手段及び ベンダー側入力手段と、更に、案件データベースに記憶 された注文書の内容を修正補完する注文書修正入力手 段、及び、ウエブサイトに入力される各種情報を監視す るシステム (user device, bridge operator) 監視手段とにより構成したことを特徴とする 仕事仲介システム。 1 . A user member database that stores personal information or company information of a user member , a vendor member database that stores personal information or company information of a vendor member , and a predetermined order form is stored . A case database that stores the contents of the case , which is a request item entered by the user member , a proposal database that stores a predetermined proposal format , and also stores proposal information that is filled in by the vendor member . A website provided with a case browsing page capable of displaying a list of a part of the stored case contents , and a proposal browsing page capable of displaying a list of proposals corresponding to each case ; and connection (user device, bridge operator) control means . User-side input means and vendor-side input means connected to the web site via communication means via the Internet , further , an order form correction input means for correcting and supplementing the contents of the order form stored in the case database , and a web site And a system monitoring means for monitoring various types of information input to the system . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (web site) and wherein the method further comprises using the bridge computer to provide the user at the user device (システム, connection) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2001357229A CLAIM 1 【請求項１】 ユーザー会員の個人情報又は企業情報を 記憶するユーザー会員データベースと、ベンダー会員の 個人情報又は企業情報を記憶するベンダー会員データベ ースと、所定の注文書フォーマットを記憶すると共に、 ユーザー会員が注文書に記入した要望事項である案件内 容も記憶する案件データベースと、所定の提案書フォー マットを記憶すると共に、ベンダー会員が記入した提案 情報も記憶する提案書データベースと、更に案件データ ベースに記憶された案件内容の一部を一覧表示可能とす る案件閲覧ページ、及び、各案件に対応した提案書の一 覧リストを表示可能とする提案書閲覧ページとを備えた ウエブサイトと、接続制御手段を介してこのウエブサイ トに通信手段により接続されるユーザー側入力手段及び ベンダー側入力手段と、更に、案件データベースに記憶 された注文書の内容を修正補完する注文書修正入力手 段、及び、ウエブサイトに入力される各種情報を監視す るシステム (user device, bridge operator) 監視手段とにより構成したことを特徴とする 仕事仲介システム。 1 . A user member database that stores personal information or company information of a user member , a vendor member database that stores personal information or company information of a vendor member , and a predetermined order form is stored . A case database that stores the contents of the case , which is a request item entered by the user member , a proposal database that stores a predetermined proposal format , and also stores proposal information that is filled in by the vendor member . A website provided with a case browsing page capable of displaying a list of a part of the stored case contents , and a proposal browsing page capable of displaying a list of proposals corresponding to each case ; and connection (user device, bridge operator) control means . User-side input means and vendor-side input means connected to the web site (web site) via communication means via the Internet , further , an order form correction input means for correcting and supplementing the contents of the order form stored in the case database , and a web site And a system monitoring means for monitoring various types of information input to the system . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (web site) on the vendor computer (ベンダー) to offer the product for sale . |
JP2001357229A CLAIM 1 【請求項１】 ユーザー会員の個人情報又は企業情報を 記憶するユーザー会員データベースと、ベンダー (vendor computer) 会員の 個人情報又は企業情報を記憶するベンダー会員データベ ースと、所定の注文書フォーマットを記憶すると共に、 ユーザー会員が注文書に記入した要望事項である案件内 容も記憶する案件データベースと、所定の提案書フォー マットを記憶すると共に、ベンダー会員が記入した提案 情報も記憶する提案書データベースと、更に案件データ ベースに記憶された案件内容の一部を一覧表示可能とす る案件閲覧ページ、及び、各案件に対応した提案書の一 覧リストを表示可能とする提案書閲覧ページとを備えた ウエブサイトと、接続制御手段を介してこのウエブサイ トに通信手段により接続されるユーザー側入力手段及び ベンダー側入力手段と、更に、案件データベースに記憶 された注文書の内容を修正補完する注文書修正入力手 段、及び、ウエブサイトに入力される各種情報を監視す るシステム監視手段とにより構成したことを特徴とする 仕事仲介システム。 1 . A user member database that stores personal information or company information of a user member , a vendor member database that stores personal information or company information of a vendor member , and a predetermined order form is stored . A case database that stores the contents of the case , which is a request item entered by the user member , a proposal database that stores a predetermined proposal format , and also stores proposal information that is filled in by the vendor member . A website provided with a case browsing page capable of displaying a list of a part of the stored case contents , and a proposal browsing page capable of displaying a list of proposals corresponding to each case ; and connection control means . User-side input means and vendor-side input means connected to the web site (web site) via communication means via the Internet , further , an order form correction input means for correcting and supplementing the contents of the order form stored in the case database , and a web site And a system monitoring means for monitoring various types of information input to the system . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (web site) on the vendor computer (ベンダー) to offer the product for sale . |
JP2001357229A CLAIM 1 【請求項１】 ユーザー会員の個人情報又は企業情報を 記憶するユーザー会員データベースと、ベンダー (vendor computer) 会員の 個人情報又は企業情報を記憶するベンダー会員データベ ースと、所定の注文書フォーマットを記憶すると共に、 ユーザー会員が注文書に記入した要望事項である案件内 容も記憶する案件データベースと、所定の提案書フォー マットを記憶すると共に、ベンダー会員が記入した提案 情報も記憶する提案書データベースと、更に案件データ ベースに記憶された案件内容の一部を一覧表示可能とす る案件閲覧ページ、及び、各案件に対応した提案書の一 覧リストを表示可能とする提案書閲覧ページとを備えた ウエブサイトと、接続制御手段を介してこのウエブサイ トに通信手段により接続されるユーザー側入力手段及び ベンダー側入力手段と、更に、案件データベースに記憶 された注文書の内容を修正補完する注文書修正入力手 段、及び、ウエブサイトに入力される各種情報を監視す るシステム監視手段とにより構成したことを特徴とする 仕事仲介システム。 1 . A user member database that stores personal information or company information of a user member , a vendor member database that stores personal information or company information of a vendor member , and a predetermined order form is stored . A case database that stores the contents of the case , which is a request item entered by the user member , a proposal database that stores a predetermined proposal format , and also stores proposal information that is filled in by the vendor member . A website provided with a case browsing page capable of displaying a list of a part of the stored case contents , and a proposal browsing page capable of displaying a list of proposals corresponding to each case ; and connection control means . User-side input means and vendor-side input means connected to the web site (web site) via communication means via the Internet , further , an order form correction input means for correcting and supplementing the contents of the order form stored in the case database , and a web site And a system monitoring means for monitoring various types of information input to the system . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001357248A Filed: 2000-06-12 Issued: 2001-12-26 Automatic auction device and automatic auction method (Original Assignee) Oki Electric Ind Co Ltd; 沖電気工業株式会社 Mitsuo Oshima, 光雄 大島 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system (大きい場合, apparatus) having a bridge computer to allow a user at a user device (大きい場合, apparatus) to make a product purchase at a purchase price (purchase price, sales price, の購入) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001357248A CLAIM 1 【請求項１】 買い手から通信回線を介して送信された 商品の購入 (purchase price, purchase price using funds) 希望価格及び各購入希望価格での購入希望数 量を含む発注情報と、該商品の売り手の販売希望価格及 び各販売希望価格での販売希望数量を含む販売情報とに 基づき取り引き価格を決定する第１の手段と、少なくと も該決定された取り引き価格及び該商品の引渡し数量を 含む競売結果情報を前記通信回線を介して前記買い手に 送信する第２の手段とを備えたことを特徴とする自動競 売装置。 1 . An order information including a desired purchase price (purchase price, purchase price using funds) of a product and a desired purchase quantity at each desired purchase price transmitted from a buyer via a communication line , and a desired sales price (purchase price, purchase price using funds) and a desired sales price of a seller of the product . First means for determining a transaction price based on the sales information including the desired sales quantity of the auction , and auction result information including at least the determined transaction price and the delivery quantity of the product to the buyer via the communication line . An automatic auction apparatus (user device, electronic commerce system) comprising : a second means for transmitting . JP2001357248A CLAIM 7 【請求項７】 前記第１の手段は、各価格での買い手の 購入希望数量と売り手の販売希望数量の中の少ない方の 数量と当該価格との積を各価格の取り引き総額として求 め、該取り引き総額が最大となる価格を第１の取り引き 価格として決定し、該買い手の購入希望数量と売り手の 販売希望数量の少ない方の数量分の売買を該第１の取り 引き価格で成立させ、更に、各価格での買い手の購入希 望数量と売り手の販売希望数量の中の少ない方の数量を 各価格の取り引き総量として求め、該取り引き総量が最 大となる価格を第２の価格を取り引き価格として決定 し、該第２の取り引き価格での取り引き総量が前記第１ の取り引き価格での売買の数量より大きい場合 (user device, electronic commerce system) は、その 差分の数量の売買を前記第２の取り引き価格で成立させ ることを特徴とする請求項１に記載の自動競売装置。 7 . The first means calculates a product of a buyer' ; s desired quantity at each price and a smaller quantity of the seller' ; s desired quantity and the price and the price as a total transaction amount of each price . Determining a price at which the total transaction amount becomes the maximum as a first transaction price , and making a purchase for the smaller of the buyer' ; s desired purchase quantity and the seller' ; s desired sale quantity at the first transaction price ; The smaller of the buyer' ; s desired quantity and the seller' ; s desired quantity at each price is determined as the total transaction volume of each price , and the price with the maximum total transaction volume is determined as the second price as the transaction price . , The total transaction volume at the second transaction price is the first 2 . The automatic auction apparatus according to claim 1 , wherein if the number of transactions is larger than the number of transactions at the transaction price , the transaction with the difference is established at the second transaction price . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (大きい場合, apparatus) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2001357248A CLAIM 1 【請求項１】 買い手から通信回線を介して送信された 商品の購入希望価格及び各購入希望価格での購入希望数 量を含む発注情報と、該商品の売り手の販売希望価格及 び各販売希望価格での販売希望数量を含む販売情報とに 基づき取り引き価格を決定する第１の手段と、少なくと も該決定された取り引き価格及び該商品の引渡し数量を 含む競売結果情報を前記通信回線を介して前記買い手に 送信する第２の手段とを備えたことを特徴とする自動競 売装置。 1 . An order information including a desired purchase price of a product and a desired purchase quantity at each desired purchase price transmitted from a buyer via a communication line , and a desired sales price and a desired sales price of a seller of the product . First means for determining a transaction price based on the sales information including the desired sales quantity of the auction , and auction result information including at least the determined transaction price and the delivery quantity of the product to the buyer via the communication line . An automatic auction apparatus (user device, electronic commerce system) comprising : a second means for transmitting . JP2001357248A CLAIM 7 【請求項７】 前記第１の手段は、各価格での買い手の 購入希望数量と売り手の販売希望数量の中の少ない方の 数量と当該価格との積を各価格の取り引き総額として求 め、該取り引き総額が最大となる価格を第１の取り引き 価格として決定し、該買い手の購入希望数量と売り手の 販売希望数量の少ない方の数量分の売買を該第１の取り 引き価格で成立させ、更に、各価格での買い手の購入希 望数量と売り手の販売希望数量の中の少ない方の数量を 各価格の取り引き総量として求め、該取り引き総量が最 大となる価格を第２の価格を取り引き価格として決定 し、該第２の取り引き価格での取り引き総量が前記第１ の取り引き価格での売買の数量より大きい場合 (user device, electronic commerce system) は、その 差分の数量の売買を前記第２の取り引き価格で成立させ ることを特徴とする請求項１に記載の自動競売装置。 7 . The first means calculates a product of a buyer' ; s desired quantity at each price and a smaller quantity of the seller' ; s desired quantity and the price and the price as a total transaction amount of each price . Determining a price at which the total transaction amount becomes the maximum as a first transaction price , and making a purchase for the smaller of the buyer' ; s desired purchase quantity and the seller' ; s desired sale quantity at the first transaction price ; The smaller of the buyer' ; s desired quantity and the seller' ; s desired quantity at each price is determined as the total transaction volume of each price , and the price with the maximum total transaction volume is determined as the second price as the transaction price . , The total transaction volume at the second transaction price is the first 2 . The automatic auction apparatus according to claim 1 , wherein if the number of transactions is larger than the number of transactions at the transaction price , the transaction with the difference is established at the second transaction price . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001344324A Filed: 2000-06-05 Issued: 2001-12-14 流通業界情報交換相互支援システム (Original Assignee) Masaaki Hashizume; 昌明 橋詰 Masaaki Hashizume, 昌明 橋詰 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase (の双方) at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001344324A CLAIM 1 【請求項１】商品のＪＡＮコードの企業コードを保有す る多数のメーカー（１）と、メーカー（１）から商品を 仕入れる多数の納入会社（２）と、納入会社（２）から の商品を購入して販売する小売店や量販店などの多数の 販売会社（３）と、商品に付随している商品情報を一元 管理するサーバ装置（４）とがインターネット（５）な どの通信回線を介してそれぞれ接続され、 各メーカー（１）や納入会社（２）は自己の商品毎に詳 細な商品情報をＪＡＮコードを元に正確に入力してい き、これらの商品情報をＪＡＮコードを基準にして通信 回線を介してサーバ装置（４）のデータベース部（４ ３）にそれぞれ登録し、 納入会社（２）は商品に対応したＪＡＮコードの入力 や、メーカー名、商品名などでの検索によりサーバ装置 （４）から商品情報を取り込み、自己と販売会社（３） の独自のデータを付加した商品情報を商品毎に通信回線 を介してサーバ装置（４）のデータベース部（４３）に それぞれ登録し、 販売会社（３）は所望の納入会社（２）別に納入会社 （２）が作成した商品情報を通信回線を介して入手でき るようにしていることを特徴とする流通業界情報交換相 互支援システム (user device) 。 JP2001344324A CLAIM 5 【請求項５】販売会社（３）から商品採用の通知を受け た納入会社（２）は、該販売会社（３）に提供する指定 の商品登録マスタ用紙にサーバ装置（４）からＪＡＮコ ードを元にした商品情報を販売会社（３）が必要とする 情報のみを選択して自動的に入力し、商品情報を入力し た商品登録マスタ用紙を通信回線を介して販売会社 （３）側に伝送したり、販売会社（３）及び納入会社 （２）の双方 (product purchase) でプリントアウトしていることを特徴とす る請求項２〜請求項４にいずれか記載の流通業界情報交 換相互支援システム。 |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (の双方) . |
JP2001344324A CLAIM 5 【請求項５】販売会社（３）から商品採用の通知を受け た納入会社（２）は、該販売会社（３）に提供する指定 の商品登録マスタ用紙にサーバ装置（４）からＪＡＮコ ードを元にした商品情報を販売会社（３）が必要とする 情報のみを選択して自動的に入力し、商品情報を入力し た商品登録マスタ用紙を通信回線を介して販売会社 （３）側に伝送したり、販売会社（３）及び納入会社 （２）の双方 (product purchase) でプリントアウトしていることを特徴とす る請求項２〜請求項４にいずれか記載の流通業界情報交 換相互支援システム。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2001344324A CLAIM 1 【請求項１】商品のＪＡＮコードの企業コードを保有す る多数のメーカー（１）と、メーカー（１）から商品を 仕入れる多数の納入会社（２）と、納入会社（２）から の商品を購入して販売する小売店や量販店などの多数の 販売会社（３）と、商品に付随している商品情報を一元 管理するサーバ装置（４）とがインターネット（５）な どの通信回線を介してそれぞれ接続され、 各メーカー（１）や納入会社（２）は自己の商品毎に詳 細な商品情報をＪＡＮコードを元に正確に入力してい き、これらの商品情報をＪＡＮコードを基準にして通信 回線を介してサーバ装置（４）のデータベース部（４ ３）にそれぞれ登録し、 納入会社（２）は商品に対応したＪＡＮコードの入力 や、メーカー名、商品名などでの検索によりサーバ装置 （４）から商品情報を取り込み、自己と販売会社（３） の独自のデータを付加した商品情報を商品毎に通信回線 を介してサーバ装置（４）のデータベース部（４３）に それぞれ登録し、 販売会社（３）は所望の納入会社（２）別に納入会社 （２）が作成した商品情報を通信回線を介して入手でき るようにしていることを特徴とする流通業界情報交換相 互支援システム (user device) 。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (データベース) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (カード) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2001344324A CLAIM 1 【請求項１】商品のＪＡＮコードの企業コードを保有す る多数のメーカー（１）と、メーカー（１）から商品を 仕入れる多数の納入会社（２）と、納入会社（２）から の商品を購入して販売する小売店や量販店などの多数の 販売会社（３）と、商品に付随している商品情報を一元 管理するサーバ装置（４）とがインターネット（５）な どの通信回線を介してそれぞれ接続され、 各メーカー（１）や納入会社（２）は自己の商品毎に詳 細な商品情報をＪＡＮコードを元に正確に入力してい き、これらの商品情報をＪＡＮコードを基準にして通信 回線を介してサーバ装置（４）のデータベース (multiple service providers) 部（４ ３）にそれぞれ登録し、 納入会社（２）は商品に対応したＪＡＮコードの入力 や、メーカー名、商品名などでの検索によりサーバ装置 （４）から商品情報を取り込み、自己と販売会社（３） の独自のデータを付加した商品情報を商品毎に通信回線 を介してサーバ装置（４）のデータベース部（４３）に それぞれ登録し、 販売会社（３）は所望の納入会社（２）別に納入会社 （２）が作成した商品情報を通信回線を介して入手でき るようにしていることを特徴とする流通業界情報交換相 互支援システム。 JP2001344324A CLAIM 9 【請求項９】納入会社（２）側が販売会社（３）で使用 するポップ、プライスカード (credit cards) の少なくとも一方を作成し て、このポップ、プライスカードを販売会社（３）へ伝 送し、プリントアウトするようにしていることを特徴と する請求項１記載の流通業界情報交換相互支援システ ム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001338179A Filed: 2000-05-29 Issued: 2001-12-07 電子商取引における複数販売業者で対応する販売者の仲介 (Original Assignee) Takeshi Yamashita; 武 山下 Takeshi Yamashita, 武 山下 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (電子商取引) system having a bridge computer to allow a user at a user device to make a product purchase (消費者) at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001338179A CLAIM 1 【請求項１】電子商取引 (electronic commerce, electronic commerce system) において、消費者 (product purchase) が登録した購 入条件に合う販売業者を見つける逆オークションにおい て、ある販売業者が購入条件の一部の条件を登録し、次 の販売業者が残りの条件全部または残りの一部の条件を 登録し、これを順次行い、複数の販売業者で全部の条件 を満たす販売者のグループを仲介する。 |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (消費者) . |
JP2001338179A CLAIM 1 【請求項１】電子商取引において、消費者 (product purchase) が登録した購 入条件に合う販売業者を見つける逆オークションにおい て、ある販売業者が購入条件の一部の条件を登録し、次 の販売業者が残りの条件全部または残りの一部の条件を 登録し、これを順次行い、複数の販売業者で全部の条件 を満たす販売者のグループを仲介する。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | KR20010106723A Filed: 2000-05-23 Issued: 2001-12-07 컴퓨터 통신망을 이용한 인터랙티브 상거래 방법 (Original Assignee) 신재중; (주)뉴웨이 소프트웨어 엔지니어링 신형석 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (상거래) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (purchase price) from a given vendor having a web site provided by a vendor computer (상품의) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
KR20010106723A CLAIM 1 컴퓨터 통신망을 통해 판매 관리 서버에 접속한 고객이 구매하고자 하는 상품을 선택하는 제 1 단계 ; A first step of selecting a product to be purchased by a customer connected to the sales management server through a computer communication network ; 상기 상품을 판매하는 하나 이상의 판매자의 사이버 판매원을 상기 판매 관리 서버로부터 호출하는 제 2 단계 ; A second step of calling from the sales management server a cyber salesman of at least one seller who sells the goods ; 상기 고객이 상기 상품의 (vendor computer) 구매 희망 가격을 입력하는 제 3 단계 ; 및 A third step of the customer entering a desired purchase price (purchase price) of the product ; And 상기 사이버 판매원을 이용하여 상기 구매 희망 가격의 함수인 판매 희망 가격을 출력하는 제 4 단계를 포함하는 컴퓨터 통신망을 이용한 인터랙티브 상거래 (electronic commerce, electronic commerce system) 방법 . And a fourth step of outputting a desired price for sale as a function of the desired price of purchase using the cyber salesperson . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (상품의) to offer the product for sale . |
KR20010106723A CLAIM 1 컴퓨터 통신망을 통해 판매 관리 서버에 접속한 고객이 구매하고자 하는 상품을 선택하는 제 1 단계 ; A first step of selecting a product to be purchased by a customer connected to the sales management server through a computer communication network ; 상기 상품을 판매하는 하나 이상의 판매자의 사이버 판매원을 상기 판매 관리 서버로부터 호출하는 제 2 단계 ; A second step of calling from the sales management server a cyber salesman of at least one seller who sells the goods ; 상기 고객이 상기 상품의 (vendor computer) 구매 희망 가격을 입력하는 제 3 단계 ; 및 A third step of the customer entering a desired purchase price of the product ; And 상기 사이버 판매원을 이용하여 상기 구매 희망 가격의 함수인 판매 희망 가격을 출력하는 제 4 단계를 포함하는 컴퓨터 통신망을 이용한 인터랙티브 상거래 방법 . And a fourth step of outputting a desired price for sale as a function of the desired price of purchase using the cyber salesperson . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (상품의) to offer the product for sale . |
KR20010106723A CLAIM 1 컴퓨터 통신망을 통해 판매 관리 서버에 접속한 고객이 구매하고자 하는 상품을 선택하는 제 1 단계 ; A first step of selecting a product to be purchased by a customer connected to the sales management server through a computer communication network ; 상기 상품을 판매하는 하나 이상의 판매자의 사이버 판매원을 상기 판매 관리 서버로부터 호출하는 제 2 단계 ; A second step of calling from the sales management server a cyber salesman of at least one seller who sells the goods ; 상기 고객이 상기 상품의 (vendor computer) 구매 희망 가격을 입력하는 제 3 단계 ; 및 A third step of the customer entering a desired purchase price of the product ; And 상기 사이버 판매원을 이용하여 상기 구매 희망 가격의 함수인 판매 희망 가격을 출력하는 제 4 단계를 포함하는 컴퓨터 통신망을 이용한 인터랙티브 상거래 방법 . And a fourth step of outputting a desired price for sale as a function of the desired price of purchase using the cyber salesperson . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6351739B1 Filed: 2000-05-11 Issued: 2002-02-26 Internet billing method (Original Assignee) Netcraft Corp (Current Assignee) AT&T Intellectual Property I LP Andrew Egendorf |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (billing method) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6351739B1 CLAIM 1 . An Internet billing method (service providers) for a plurality of customers and a plurality of vendors of products or services for transactions over the Internet between a purchasing customer of the plurality of customers and a selling vendor of the plurality of vendors , wherein , for each purchase transaction , a transaction amount is charged to the purchasing customer , and an amount is remitted to the selling vendor , comprising the steps by a third party of : a) establishing a billing agreement with the purchasing customer , and a remitting agreement with the selling vendor , to bill the purchasing customer , and to remit to the selling vendor , for products and services purchased over the Internet by the purchasing customer from the selling vendor ; b) providing a communications link through equipment of the third party between the purchasing customer and the selling vendor through which the purchasing customer obtains information from the selling vendor with respect to a purchase of a product or service by the purchasing customer from the selling vendor ; c) obtaining at least one billing authorization for the purchase ; d) charging the transaction amount to the purchasing customer in accordance with the billing agreement ; and e) remitting an amount related to the purchase to the selling vendor in accordance with the remitting agreement . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (billing method) for credit card service charge fees paid by other service providers . |
US6351739B1 CLAIM 1 . An Internet billing method (service providers) for a plurality of customers and a plurality of vendors of products or services for transactions over the Internet between a purchasing customer of the plurality of customers and a selling vendor of the plurality of vendors , wherein , for each purchase transaction , a transaction amount is charged to the purchasing customer , and an amount is remitted to the selling vendor , comprising the steps by a third party of : a) establishing a billing agreement with the purchasing customer , and a remitting agreement with the selling vendor , to bill the purchasing customer , and to remit to the selling vendor , for products and services purchased over the Internet by the purchasing customer from the selling vendor ; b) providing a communications link through equipment of the third party between the purchasing customer and the selling vendor through which the purchasing customer obtains information from the selling vendor with respect to a purchase of a product or service by the purchasing customer from the selling vendor ; c) obtaining at least one billing authorization for the purchase ; d) charging the transaction amount to the purchasing customer in accordance with the billing agreement ; and e) remitting an amount related to the purchase to the selling vendor in accordance with the remitting agreement . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (billing method) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US6351739B1 CLAIM 1 . An Internet billing method (service providers) for a plurality of customers and a plurality of vendors of products or services for transactions over the Internet between a purchasing customer of the plurality of customers and a selling vendor of the plurality of vendors , wherein , for each purchase transaction , a transaction amount is charged to the purchasing customer , and an amount is remitted to the selling vendor , comprising the steps by a third party of : a) establishing a billing agreement with the purchasing customer , and a remitting agreement with the selling vendor , to bill the purchasing customer , and to remit to the selling vendor , for products and services purchased over the Internet by the purchasing customer from the selling vendor ; b) providing a communications link through equipment of the third party between the purchasing customer and the selling vendor through which the purchasing customer obtains information from the selling vendor with respect to a purchase of a product or service by the purchasing customer from the selling vendor ; c) obtaining at least one billing authorization for the purchase ; d) charging the transaction amount to the purchasing customer in accordance with the billing agreement ; and e) remitting an amount related to the purchase to the selling vendor in accordance with the remitting agreement . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (billing method) according to a predetermine schedule . |
US6351739B1 CLAIM 1 . An Internet billing method (service providers) for a plurality of customers and a plurality of vendors of products or services for transactions over the Internet between a purchasing customer of the plurality of customers and a selling vendor of the plurality of vendors , wherein , for each purchase transaction , a transaction amount is charged to the purchasing customer , and an amount is remitted to the selling vendor , comprising the steps by a third party of : a) establishing a billing agreement with the purchasing customer , and a remitting agreement with the selling vendor , to bill the purchasing customer , and to remit to the selling vendor , for products and services purchased over the Internet by the purchasing customer from the selling vendor ; b) providing a communications link through equipment of the third party between the purchasing customer and the selling vendor through which the purchasing customer obtains information from the selling vendor with respect to a purchase of a product or service by the purchasing customer from the selling vendor ; c) obtaining at least one billing authorization for the purchase ; d) charging the transaction amount to the purchasing customer in accordance with the billing agreement ; and e) remitting an amount related to the purchase to the selling vendor in accordance with the remitting agreement . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (billing method) . |
US6351739B1 CLAIM 1 . An Internet billing method (service providers) for a plurality of customers and a plurality of vendors of products or services for transactions over the Internet between a purchasing customer of the plurality of customers and a selling vendor of the plurality of vendors , wherein , for each purchase transaction , a transaction amount is charged to the purchasing customer , and an amount is remitted to the selling vendor , comprising the steps by a third party of : a) establishing a billing agreement with the purchasing customer , and a remitting agreement with the selling vendor , to bill the purchasing customer , and to remit to the selling vendor , for products and services purchased over the Internet by the purchasing customer from the selling vendor ; b) providing a communications link through equipment of the third party between the purchasing customer and the selling vendor through which the purchasing customer obtains information from the selling vendor with respect to a purchase of a product or service by the purchasing customer from the selling vendor ; c) obtaining at least one billing authorization for the purchase ; d) charging the transaction amount to the purchasing customer in accordance with the billing agreement ; and e) remitting an amount related to the purchase to the selling vendor in accordance with the remitting agreement . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (billing method) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6351739B1 CLAIM 1 . An Internet billing method (service providers) for a plurality of customers and a plurality of vendors of products or services for transactions over the Internet between a purchasing customer of the plurality of customers and a selling vendor of the plurality of vendors , wherein , for each purchase transaction , a transaction amount is charged to the purchasing customer , and an amount is remitted to the selling vendor , comprising the steps by a third party of : a) establishing a billing agreement with the purchasing customer , and a remitting agreement with the selling vendor , to bill the purchasing customer , and to remit to the selling vendor , for products and services purchased over the Internet by the purchasing customer from the selling vendor ; b) providing a communications link through equipment of the third party between the purchasing customer and the selling vendor through which the purchasing customer obtains information from the selling vendor with respect to a purchase of a product or service by the purchasing customer from the selling vendor ; c) obtaining at least one billing authorization for the purchase ; d) charging the transaction amount to the purchasing customer in accordance with the billing agreement ; and e) remitting an amount related to the purchase to the selling vendor in accordance with the remitting agreement . US6351739B1 CLAIM 14 . The method according to claim 13 , wherein the party other than the purchasing customer is a credit card (credit cards, service providers using credit cards) company , a bank , a company offering financial services , the third party , or an Internet access provider . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001282996A Filed: 2000-03-29 Issued: 2001-10-12 帳票受付時の自動口座開設システム (Original Assignee) Hitachi Ltd; 株式会社日立製作所 Masahiro Asano, Shosuke Ishiguro, 昌浩 浅野, 章介 石黒 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001282996A CLAIM 2 【請求項２】 請求項１のシステム (user device) において、口座を自 動開設する時に、振り込み本人自身の身元を確認し、開 設口座を確定することを特徴としたシステム。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2001282996A CLAIM 2 【請求項２】 請求項１のシステム (user device) において、口座を自 動開設する時に、振り込み本人自身の身元を確認し、開 設口座を確定することを特徴としたシステム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (金融機関) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2001282996A CLAIM 1 【請求項１】 手形、小切手等の有価証券または、電 気、ガス料金等の公金振り込みを受け付けて処理する帳 票の読取処理機能を有する自動機において、当該自動機 を運用している金融機関 (credit cards) 等に取り扱い口座が無い場合、 自動機にて口座を自動的に開設することを特徴としたシ ステム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | EP1014320A1 Filed: 1999-12-17 Issued: 2000-06-28 Method of and apparatus for maintaining a customer loyalty program on a smart card (Original Assignee) NCR International Inc (Current Assignee) NCR International Inc Stephen John Chasko |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (transfer information) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
EP1014320A1 CLAIM 13 A retail checkout terminal , comprising : an item entry device for entering a product code associated with an item for purchase ; a smart card interface device which is operable to (i) retrieve information from a card memory device of a smart card , and (ii) transfer information (communications network) to said card memory device of said smart card ; a processing unit electrically coupled to both said item entry device and said smart card interface device ; and a terminal memory device electrically coupled to said processing unit , wherein said terminal memory device has stored therein a plurality of instructions which , when executed by said processing unit , causes said processing unit to : (a) retrieve retail history information associated with a customer' ; s previous use of said retail checkout terminal from a customer profile stored in said card memory device of said smart card , and (b) operate said retail checkout terminal so as to perform a customer-specific retail function based on said retail history information . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (storage device) paid by other service providers . |
EP1014320A1 CLAIM 6 A method as claimed in any preceding claim , comprising the steps of : retrieving demographic information associated with a customer from said customer profile stored in said card memory device of said smart card ; and storing said demographic information in a customer demographic database maintained on a mass storage device (credit card service charge fees) associated with said number of retail checkout terminals . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts (demographic information) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
EP1014320A1 CLAIM 6 A method as claimed in any preceding claim , comprising the steps of : retrieving demographic information (service provider accounts) associated with a customer from said customer profile stored in said card memory device of said smart card ; and storing said demographic information in a customer demographic database maintained on a mass storage device associated with said number of retail checkout terminals . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | EP1107196A1 Filed: 1999-12-09 Issued: 2001-06-13 A wireless electronic system for performing transactions (Original Assignee) Ali Hassan Al-Khaja Ali Hassan Al-Khaja |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (further data) , wherein the vendor is associated with at least one of a plurality of service providers (more service providers) wherein each of the plurality of service providers has a service provider (more service providers) computer (more service providers) , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (more interface) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider (more service providers) ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
EP1107196A1 CLAIM 12 A method for electronic wireless completion of purchases and other financial transactions using a mobile communication device , characterized by the following steps : inserting a smart card (3) into a read-write unit (1) of the mobile communication device (2) ; making a connection with a service provider (5) by dialing a number ; passing on to the service provider (5) the user' ; s relevant data stored on the smart card (3) in encrypted form together with a time signal ; entering a PIN for an account (8' ; ) kept with the service provider (5) and an amount of money to be transferred and/or the desired type of transaction , these data being provided with a time signal ; confirming the transaction by means of a digital signature ; entering further data (communications network) relevant for the transaction by means of the keyboard (4) of the mobile communication device (2) ; checking the entries and allocating a transaction number through the service provider (5) ; printing service products , such as airplane tickets , admission tickets , lotto coupons , etc . , by means of a printer unit (7) connected with the mobile communication device (2) , said products being additionally printed with the user' ; s account number and name and with the transaction number and date and time of allocation of the transaction number ; and deducting the amount of money from the user' ; s account (8' ; ) or his smart card (3) . EP1107196A1 CLAIM 19 A method according to any of the above claims , wherein the genuineness of the connection with the service provider is checked by means of a verification smart card inserted into the read-write unit (1) and containing number-letter combinations clearly identifying one or more service providers (service providers, service provider computer, different service provider, service provider) (5) and unknown to the users , comprising the following additional steps : inserting the verification smart card into the read-write unit (1) of the mobile communication device (2 , 2' ; ) ; asking the service provider to transmit its number-letter combination ; comparing the service provider' ; s entry with the data stored on the verification smart card , and if there is a match continuing the transaction . EP1107196A1 CLAIM 27 An apparatus according to any of claims 22 to 26 , characterized in that the mobile communication device (2) has one or more interface (s account) s (12) for connection with the printer unit (7 , 7' ; ) and/or the bar code reader (11) . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (more service providers) for credit card service charge fees paid by other service providers . |
EP1107196A1 CLAIM 19 A method according to any of the above claims , wherein the genuineness of the connection with the service provider is checked by means of a verification smart card inserted into the read-write unit (1) and containing number-letter combinations clearly identifying one or more service providers (service providers, service provider computer, different service provider, service provider) (5) and unknown to the users , comprising the following additional steps : inserting the verification smart card into the read-write unit (1) of the mobile communication device (2 , 2' ; ) ; asking the service provider to transmit its number-letter combination ; comparing the service provider' ; s entry with the data stored on the verification smart card , and if there is a match continuing the transaction . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (more service providers) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
EP1107196A1 CLAIM 19 A method according to any of the above claims , wherein the genuineness of the connection with the service provider is checked by means of a verification smart card inserted into the read-write unit (1) and containing number-letter combinations clearly identifying one or more service providers (service providers, service provider computer, different service provider, service provider) (5) and unknown to the users , comprising the following additional steps : inserting the verification smart card into the read-write unit (1) of the mobile communication device (2 , 2' ; ) ; asking the service provider to transmit its number-letter combination ; comparing the service provider' ; s entry with the data stored on the verification smart card , and if there is a match continuing the transaction . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (more service providers) according to a predetermine schedule . |
EP1107196A1 CLAIM 19 A method according to any of the above claims , wherein the genuineness of the connection with the service provider is checked by means of a verification smart card inserted into the read-write unit (1) and containing number-letter combinations clearly identifying one or more service providers (service providers, service provider computer, different service provider, service provider) (5) and unknown to the users , comprising the following additional steps : inserting the verification smart card into the read-write unit (1) of the mobile communication device (2 , 2' ; ) ; asking the service provider to transmit its number-letter combination ; comparing the service provider' ; s entry with the data stored on the verification smart card , and if there is a match continuing the transaction . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information (contains information) on which vendors are associated with which service providers (more service providers) . |
EP1107196A1 CLAIM 14 A method according to claim 13 , wherein the transaction record contains information (contains information) about the user' ; s account balance . EP1107196A1 CLAIM 19 A method according to any of the above claims , wherein the genuineness of the connection with the service provider is checked by means of a verification smart card inserted into the read-write unit (1) and containing number-letter combinations clearly identifying one or more service providers (service providers, service provider computer, different service provider, service provider) (5) and unknown to the users , comprising the following additional steps : inserting the verification smart card into the read-write unit (1) of the mobile communication device (2 , 2' ; ) ; asking the service provider to transmit its number-letter combination ; comparing the service provider' ; s entry with the data stored on the verification smart card , and if there is a match continuing the transaction . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider (more service providers) with which the user has the account or at a different service provider (more service providers) . |
EP1107196A1 CLAIM 19 A method according to any of the above claims , wherein the genuineness of the connection with the service provider is checked by means of a verification smart card inserted into the read-write unit (1) and containing number-letter combinations clearly identifying one or more service providers (service providers, service provider computer, different service provider, service provider) (5) and unknown to the users , comprising the following additional steps : inserting the verification smart card into the read-write unit (1) of the mobile communication device (2 , 2' ; ) ; asking the service provider to transmit its number-letter combination ; comparing the service provider' ; s entry with the data stored on the verification smart card , and if there is a match continuing the transaction . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider (more service providers) at which the user has the account or at a different service provider (more service providers) . |
EP1107196A1 CLAIM 19 A method according to any of the above claims , wherein the genuineness of the connection with the service provider is checked by means of a verification smart card inserted into the read-write unit (1) and containing number-letter combinations clearly identifying one or more service providers (service providers, service provider computer, different service provider, service provider) (5) and unknown to the users , comprising the following additional steps : inserting the verification smart card into the read-write unit (1) of the mobile communication device (2 , 2' ; ) ; asking the service provider to transmit its number-letter combination ; comparing the service provider' ; s entry with the data stored on the verification smart card , and if there is a match continuing the transaction . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider (more service providers) account when that user attempts to purchase products from a vendor , wherein the new account is created with the service provider associated with that vendor . |
EP1107196A1 CLAIM 19 A method according to any of the above claims , wherein the genuineness of the connection with the service provider is checked by means of a verification smart card inserted into the read-write unit (1) and containing number-letter combinations clearly identifying one or more service providers (service providers, service provider computer, different service provider, service provider) (5) and unknown to the users , comprising the following additional steps : inserting the verification smart card into the read-write unit (1) of the mobile communication device (2 , 2' ; ) ; asking the service provider to transmit its number-letter combination ; comparing the service provider' ; s entry with the data stored on the verification smart card , and if there is a match continuing the transaction . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (more service providers) , wherein the bridge computer credits some of the service provider (more service providers) accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial transactions) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
EP1107196A1 CLAIM 1 A method for electronic wireless completion of purchases and other financial transactions (credit cards) using a mobile communication device , characterized by the following steps : inserting a smart card (3) into a read-write unit (1) of the mobile communication device (2) ; making a connection with a service provider (5) by dialing a number ; passing on to the service provider (5) the user' ; s relevant data stored on the smart card (3) in encrypted form together with a time signal ; entering a PIN for an account (8' ; ) kept with the service provider (5) and an amount of money to be transferred and/or the desired type of transaction , these data being provided with a time signal ; confirming the transaction by means of a digital signature ; inserting a further target smart card (6) into the read-write unit (1) of the mobile communication device (2) ; checking the entries through the service provider (5) ; and activating the read-write unit (1) of the mobile communication device (2) and transferring the amount of money from the smart card (3) or from the user' ; s account (8' ; ) to the target smart card (6) . EP1107196A1 CLAIM 19 A method according to any of the above claims , wherein the genuineness of the connection with the service provider is checked by means of a verification smart card inserted into the read-write unit (1) and containing number-letter combinations clearly identifying one or more service providers (service providers, service provider computer, different service provider, service provider) (5) and unknown to the users , comprising the following additional steps : inserting the verification smart card into the read-write unit (1) of the mobile communication device (2 , 2' ; ) ; asking the service provider to transmit its number-letter combination ; comparing the service provider' ; s entry with the data stored on the verification smart card , and if there is a match continuing the transaction . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6347305B1 Filed: 1999-10-29 Issued: 2002-02-12 Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce (Original Assignee) E Duction Inc (Current Assignee) RRE VENTURES II LP AS COLLATERAL AGENT Kirk Watkins |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (purchase price) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (status change) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6347305B1 CLAIM 12 . The method of claim 10 or 11 , further comprising the step of storing in the order summary a date , a name and address of the employee , the employee' ; s personal identifier , a total purchase price (purchase price) , and a number of required payroll deductions . US6347305B1 CLAIM 42 . The system of claim 21 , wherein means for establishing guidelines further comprises means for establishing several sets of guidelines , whereby each set is associated with employees within a specific status and guidelines associated with each employee may change as the employee' ; s status change (user account) s . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6189787B1 Filed: 1999-10-27 Issued: 2001-02-20 Multifunctional card system (Original Assignee) Robert E. Dorf (Current Assignee) ALEXSAM Inc Robert E. Dorf |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase (purchase data) at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (credit card, debit card) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6189787B1 CLAIM 7 . A multifunction card system as recited in claim 1 , further comprising : a . at least one phone card having a unique identification number encoded on it , said identification number comprising a bank identification number approved by the American Banking Association for use in a banking network , said identification number corresponding to said multifunction card system ; b . a bank processing hub computer under bank hub software control and in communication over a credit and debit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) network with a pre-existing standard retail point-of-sale device capable of processing credit and debit card transactions , said bank processing hub computer receiving phone card activation data when said phone card is swiped through said point-of-sale device , said phone card activation data comprising said unique identification number of said phone card and a phone card activation amount ; and c . a phone card computer under phone card software control and in communication with said bank processing hub for activating a phone card account in a phone card database corresponding to said phone card , said phone card account comprising balance data representative of a phone card activation amount . US6189787B1 CLAIM 10 . A multifunction card system as recited in claim 1 , further comprising : at least one loyalty card having a unique identification number encoded on it , said identification number comprising a bank identification number approved by the American Banking Association for use in a banking network , said identification number corresponding to said multifunction card system , said bank processing hub computer under bank hub software control and in communication over a banking network with a pre-existing standard retail point-of-sale device for receiving loyalty data when said loyalty card is swiped through said point-of-sale device , said loyalty data comprising said unique identification number of said loyalty card and of purchase data (product purchase, user attempts to purchase products) representing the goods and services purchase amount ; and a loyalty card computer under loyalty card software control and in communication with said bank processing hub for crediting a loyalty card account in a loyalty card database corresponding to said loyalty card with loyalty points based upon said purchase data . US6189787B1 CLAIM 19 . A method of activating or recharging a magnetically encoded electronic gift certificate card having a unique identification number encoded on it , said identification number comprising a bank identification number approved by the American Banking Association for use in a banking network , said identification number corresponding to an electronic gift certificate card system , comprising the steps of : a . swiping said gift certificate card through a pre-existing standard retail point-of-sale device ; b . entering an activation amount into said point-of-sale device ; c . transmitting said identification number and said activation amount from said point-of-sale device to a bank processing hub computer over a banking network via which said point-of-sale device processes debit and credit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) transactions ; d . decrypting said identification number and said amount by a gift certificate card computer under gift certificate card software control and in communication with said bank processing hub computer if said identification number and said activation amount are encrypted ; and e . crediting a gift certificate card account balance , in a gift certificate card database existing on said gift certificate card computer , with said activation amount . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (credit card, debit card) paid by other service providers . |
US6189787B1 CLAIM 7 . A multifunction card system as recited in claim 1 , further comprising : a . at least one phone card having a unique identification number encoded on it , said identification number comprising a bank identification number approved by the American Banking Association for use in a banking network , said identification number corresponding to said multifunction card system ; b . a bank processing hub computer under bank hub software control and in communication over a credit and debit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) network with a pre-existing standard retail point-of-sale device capable of processing credit and debit card transactions , said bank processing hub computer receiving phone card activation data when said phone card is swiped through said point-of-sale device , said phone card activation data comprising said unique identification number of said phone card and a phone card activation amount ; and c . a phone card computer under phone card software control and in communication with said bank processing hub for activating a phone card account in a phone card database corresponding to said phone card , said phone card account comprising balance data representative of a phone card activation amount . US6189787B1 CLAIM 19 . A method of activating or recharging a magnetically encoded electronic gift certificate card having a unique identification number encoded on it , said identification number comprising a bank identification number approved by the American Banking Association for use in a banking network , said identification number corresponding to an electronic gift certificate card system , comprising the steps of : a . swiping said gift certificate card through a pre-existing standard retail point-of-sale device ; b . entering an activation amount into said point-of-sale device ; c . transmitting said identification number and said activation amount from said point-of-sale device to a bank processing hub computer over a banking network via which said point-of-sale device processes debit and credit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) transactions ; d . decrypting said identification number and said amount by a gift certificate card computer under gift certificate card software control and in communication with said bank processing hub computer if said identification number and said activation amount are encrypted ; and e . crediting a gift certificate card account balance , in a gift certificate card database existing on said gift certificate card computer , with said activation amount . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (purchase data) . |
US6189787B1 CLAIM 10 . A multifunction card system as recited in claim 1 , further comprising : at least one loyalty card having a unique identification number encoded on it , said identification number comprising a bank identification number approved by the American Banking Association for use in a banking network , said identification number corresponding to said multifunction card system , said bank processing hub computer under bank hub software control and in communication over a banking network with a pre-existing standard retail point-of-sale device for receiving loyalty data when said loyalty card is swiped through said point-of-sale device , said loyalty data comprising said unique identification number of said loyalty card and of purchase data (product purchase, user attempts to purchase products) representing the goods and services purchase amount ; and a loyalty card computer under loyalty card software control and in communication with said bank processing hub for crediting a loyalty card account in a loyalty card database corresponding to said loyalty card with loyalty points based upon said purchase data . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (purchase data) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US6189787B1 CLAIM 10 . A multifunction card system as recited in claim 1 , further comprising : at least one loyalty card having a unique identification number encoded on it , said identification number comprising a bank identification number approved by the American Banking Association for use in a banking network , said identification number corresponding to said multifunction card system , said bank processing hub computer under bank hub software control and in communication over a banking network with a pre-existing standard retail point-of-sale device for receiving loyalty data when said loyalty card is swiped through said point-of-sale device , said loyalty data comprising said unique identification number of said loyalty card and of purchase data (product purchase, user attempts to purchase products) representing the goods and services purchase amount ; and a loyalty card computer under loyalty card software control and in communication with said bank processing hub for crediting a loyalty card account in a loyalty card database corresponding to said loyalty card with loyalty points based upon said purchase data . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (credit card, debit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6189787B1 CLAIM 7 . A multifunction card system as recited in claim 1 , further comprising : a . at least one phone card having a unique identification number encoded on it , said identification number comprising a bank identification number approved by the American Banking Association for use in a banking network , said identification number corresponding to said multifunction card system ; b . a bank processing hub computer under bank hub software control and in communication over a credit and debit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) network with a pre-existing standard retail point-of-sale device capable of processing credit and debit card transactions , said bank processing hub computer receiving phone card activation data when said phone card is swiped through said point-of-sale device , said phone card activation data comprising said unique identification number of said phone card and a phone card activation amount ; and c . a phone card computer under phone card software control and in communication with said bank processing hub for activating a phone card account in a phone card database corresponding to said phone card , said phone card account comprising balance data representative of a phone card activation amount . US6189787B1 CLAIM 19 . A method of activating or recharging a magnetically encoded electronic gift certificate card having a unique identification number encoded on it , said identification number comprising a bank identification number approved by the American Banking Association for use in a banking network , said identification number corresponding to an electronic gift certificate card system , comprising the steps of : a . swiping said gift certificate card through a pre-existing standard retail point-of-sale device ; b . entering an activation amount into said point-of-sale device ; c . transmitting said identification number and said activation amount from said point-of-sale device to a bank processing hub computer over a banking network via which said point-of-sale device processes debit and credit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) transactions ; d . decrypting said identification number and said amount by a gift certificate card computer under gift certificate card software control and in communication with said bank processing hub computer if said identification number and said activation amount are encrypted ; and e . crediting a gift certificate card account balance , in a gift certificate card database existing on said gift certificate card computer , with said activation amount . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2001125909A Filed: 1999-10-27 Issued: 2001-05-11 Data search method and data processing device (Original Assignee) Hitachi Ltd; 株式会社日立製作所 Yasumasa Kawashima, Tomomasa Nakada, 智将 仲田, 泰正 川島 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system (performing, apparatus, plurality) having a bridge computer to allow a user at a user device (performing, apparatus, plurality) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (stored data) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2001125909A CLAIM 1 【請求項１】それぞれ様々な目的で使用され、記憶保持 されているデータの内容が時々刻々と更新される複数の データベースから作業を支援する情報を検索する方法で あって、時々刻々と推移するユーザの状況に合わせて、 会話内容，メール，作業指示，作業進捗，時刻，スケジ ュール，作業内容、又はデータベースのデータ内容な ど、ユーザに関する状況データからユーザの状況の変化 を推測するステップと、前記状況データからユーザの状 況を推測するステップと、ユーザが置かれている状況と 同じ状況で話されている会話内容の範囲を抽出するステ ップと、ユーザの置かれている状況下での重要単語を前 記状況データから抽出するステップと、ユーザの状況と その変化に基づいて前記状況データと前記重要単語から 検索条件を作成するステップと、検索条件を各データベ ースへ送信するステップと、検索されたデータまたは検 索条件を満たすデータやプログラムを提示するステップ と、を含むことを特徴とするデータ検索方法。 1 . A method for retrieving information supporting a task from a plurality (user device, electronic commerce system) of databases , each of which is used for various purposes and whose contents of stored data (user account) are updated every moment , which changes every moment . According to the user' ; s situation , Estimating a change in the user' ; s situation from situation data relating to the user , such as conversation content , e-mail , work instruction , work progress , time , schedule , work content , or data content of a database ; and estimating the user' ; s situation from the situation data And extracting a range of the conversation content spoken in the same situation as the situation where the user is placed , and extracting important words from the situation data under the situation where the user is placed Creating a search condition from the situation data and the important word based on the situation of the user and the change thereof , transmitting the search condition to each database , and searching for the data or program satisfying the searched data or the search condition . Presenting a data search method . JP2001125909A CLAIM 5 【請求項５】請求項１乃至４のいずれか記載のデータ検 索方法であって、検索されたデータから要求されるであ ろう計算処理をするステップを含むことを特徴とするデ ータ検索方法。 5 . The data search method according to claim 1 , further comprising the step of performing (user device, electronic commerce system) a calculation process that will be required from the searched data . JP2001125909A CLAIM 9 【請求項９】請求項８記載のキャッシュを有することを 特徴とするデータ処理装置。 9 . A data processing apparatus (user device, electronic commerce system) comprising the cache according to claim 8 . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (performing, apparatus, plurality) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2001125909A CLAIM 1 【請求項１】それぞれ様々な目的で使用され、記憶保持 されているデータの内容が時々刻々と更新される複数の データベースから作業を支援する情報を検索する方法で あって、時々刻々と推移するユーザの状況に合わせて、 会話内容，メール，作業指示，作業進捗，時刻，スケジ ュール，作業内容、又はデータベースのデータ内容な ど、ユーザに関する状況データからユーザの状況の変化 を推測するステップと、前記状況データからユーザの状 況を推測するステップと、ユーザが置かれている状況と 同じ状況で話されている会話内容の範囲を抽出するステ ップと、ユーザの置かれている状況下での重要単語を前 記状況データから抽出するステップと、ユーザの状況と その変化に基づいて前記状況データと前記重要単語から 検索条件を作成するステップと、検索条件を各データベ ースへ送信するステップと、検索されたデータまたは検 索条件を満たすデータやプログラムを提示するステップ と、を含むことを特徴とするデータ検索方法。 1 . A method for retrieving information supporting a task from a plurality (user device, electronic commerce system) of databases , each of which is used for various purposes and whose contents of stored data are updated every moment , which changes every moment . According to the user' ; s situation , Estimating a change in the user' ; s situation from situation data relating to the user , such as conversation content , e-mail , work instruction , work progress , time , schedule , work content , or data content of a database ; and estimating the user' ; s situation from the situation data And extracting a range of the conversation content spoken in the same situation as the situation where the user is placed , and extracting important words from the situation data under the situation where the user is placed Creating a search condition from the situation data and the important word based on the situation of the user and the change thereof , transmitting the search condition to each database , and searching for the data or program satisfying the searched data or the search condition . Presenting a data search method . JP2001125909A CLAIM 5 【請求項５】請求項１乃至４のいずれか記載のデータ検 索方法であって、検索されたデータから要求されるであ ろう計算処理をするステップを含むことを特徴とするデ ータ検索方法。 5 . The data search method according to claim 1 , further comprising the step of performing (user device, electronic commerce system) a calculation process that will be required from the searched data . JP2001125909A CLAIM 9 【請求項９】請求項８記載のキャッシュを有することを 特徴とするデータ処理装置。 9 . A data processing apparatus (user device, electronic commerce system) comprising the cache according to claim 8 . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (データベース) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (retrieved data) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2001125909A CLAIM 1 【請求項１】それぞれ様々な目的で使用され、記憶保持 されているデータの内容が時々刻々と更新される複数の データベース (multiple service providers) から作業を支援する情報を検索する方法で あって、時々刻々と推移するユーザの状況に合わせて、 会話内容，メール，作業指示，作業進捗，時刻，スケジ ュール，作業内容、又はデータベースのデータ内容な ど、ユーザに関する状況データからユーザの状況の変化 を推測するステップと、前記状況データからユーザの状 況を推測するステップと、ユーザが置かれている状況と 同じ状況で話されている会話内容の範囲を抽出するステ ップと、ユーザの置かれている状況下での重要単語を前 記状況データから抽出するステップと、ユーザの状況と その変化に基づいて前記状況データと前記重要単語から 検索条件を作成するステップと、検索条件を各データベ ースへ送信するステップと、検索されたデータまたは検 索条件を満たすデータやプログラムを提示するステップ と、を含むことを特徴とするデータ検索方法。 1 . A method for retrieving information supporting a task from a plurality of databases , each of which is used for various purposes and whose contents of stored data are updated every moment , which changes every moment . According to the user' ; s situation , Estimating a change in the user' ; s situation from situation data relating to the user , such as conversation content , e-mail , work instruction , work progress , time , schedule , work content , or data content of a database ; and estimating the user' ; s situation from the situation data And extracting a range of the conversation content spoken in the same situation as the situation where the user is placed , and extracting important words from the situation data under the situation where the user is placed Creating a search condition from the situation data and the important word based on the situation of the user and the change thereof , transmitting the search condition to each database , and searching for the data or program satisfying the searched data or the search condition . Presenting a data search method . JP2001125909A CLAIM 8 【請求項８】請求項７記載のデータ処理方法であって、 検索されたデータや計算処理されたデータ、又はデータ 変換されたデータを一時的にキャッシュへ格納するステ ップを含むことを特徴とするデータ処理方法。 8 . The data processing method according to claim 7 , wherein : A data processing method including a step of temporarily storing retrieved data (credit cards, service providers using credit cards) , data subjected to calculation processing , or converted data in a cache . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6212556B1 Filed: 1999-04-21 Issued: 2001-04-03 Configurable value-added network (VAN) switching (Original Assignee) WebXchange Inc (Current Assignee) ARUNACHALAM LAKSHMI DR Lakshmi Arunachalam |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site (Web server, Web page) provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer (multiple content) , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider (multiple content) ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6212556B1 CLAIM 10 . The switch as claimed in claim 1 , further including a means for connecting the subscriber to multiple content (service provider computer, different service provider) publishers backend network nodes . US6212556B1 CLAIM 13 . A method for performing real-time transactions on a value-added network , comprising : providing a transactional application selection mechanism to allow a user to select a transactional application , wherein the transactional application selection mechanism is associated with a Web server (web site) and a Web page (web site) ; receiving a request at the Web server in response to providing the transactional application selection mechanism , wherein the request is a request to use the transactional application to perform an interactive real-time transaction ; switching to the transactional application in response to receiving the request , by instructing the Web server to hand over the request to the transactional application ; and requesting transaction data from one or more other computer systems connected with the value-added network with the transactional application , wherein the transaction data allows the user to perform the interactive real-time transaction on the value-added network . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (Web server, Web page) and wherein the method further comprises using the bridge computer to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US6212556B1 CLAIM 13 . A method for performing real-time transactions on a value-added network , comprising : providing a transactional application selection mechanism to allow a user to select a transactional application , wherein the transactional application selection mechanism is associated with a Web server (web site) and a Web page (web site) ; receiving a request at the Web server in response to providing the transactional application selection mechanism , wherein the request is a request to use the transactional application to perform an interactive real-time transaction ; switching to the transactional application in response to receiving the request , by instructing the Web server to hand over the request to the transactional application ; and requesting transaction data from one or more other computer systems connected with the value-added network with the transactional application , wherein the transaction data allows the user to perform the interactive real-time transaction on the value-added network . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider (multiple content) . |
US6212556B1 CLAIM 10 . The switch as claimed in claim 1 , further including a means for connecting the subscriber to multiple content (service provider computer, different service provider) publishers backend network nodes . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider (multiple content) . |
US6212556B1 CLAIM 10 . The switch as claimed in claim 1 , further including a means for connecting the subscriber to multiple content (service provider computer, different service provider) publishers backend network nodes . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (Web server, Web page) on the vendor computer to offer the product for sale . |
US6212556B1 CLAIM 13 . A method for performing real-time transactions on a value-added network , comprising : providing a transactional application selection mechanism to allow a user to select a transactional application , wherein the transactional application selection mechanism is associated with a Web server (web site) and a Web page (web site) ; receiving a request at the Web server in response to providing the transactional application selection mechanism , wherein the request is a request to use the transactional application to perform an interactive real-time transaction ; switching to the transactional application in response to receiving the request , by instructing the Web server to hand over the request to the transactional application ; and requesting transaction data from one or more other computer systems connected with the value-added network with the transactional application , wherein the transaction data allows the user to perform the interactive real-time transaction on the value-added network . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (Web server, Web page) on the vendor computer to offer the product for sale . |
US6212556B1 CLAIM 13 . A method for performing real-time transactions on a value-added network , comprising : providing a transactional application selection mechanism to allow a user to select a transactional application , wherein the transactional application selection mechanism is associated with a Web server (web site) and a Web page (web site) ; receiving a request at the Web server in response to providing the transactional application selection mechanism , wherein the request is a request to use the transactional application to perform an interactive real-time transaction ; switching to the transactional application in response to receiving the request , by instructing the Web server to hand over the request to the transactional application ; and requesting transaction data from one or more other computer systems connected with the value-added network with the transactional application , wherein the transaction data allows the user to perform the interactive real-time transaction on the value-added network . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6360254B1 Filed: 1999-03-30 Issued: 2002-03-19 System and method for providing secure URL-based access to private resources (Original Assignee) Amazon Corporate LLC (Current Assignee) Amazon Corporate LLC ; Amazon Technologies Inc Gregory D. Linden, Michael D. McDaniel, Ryan J. Snodgrass, Joel R. Spiegel |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer (server system) to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site (Web page) provided by a vendor computer over a communications network (represents a) , wherein the vendor is associated with at least one of a plurality of service providers (token generation, greeting card) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (Web site) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6360254B1 CLAIM 1 . In a Web site (different service, multiple service) system in which different users are provided access to different private resources , a computer-implemented method of providing a user secure access to a private resource over a publicly-accessible network without requiring the user to enter authentication information , the method comprising : obtaining an email address of the user ; generating a token using a token generation (service providers, credit cards, service providers make purchases, service providers using credit cards) method that distributes tokens substantially randomly over a token space , the token space selected to be sufficiently large to inhibit identification of a valid token by trial and error , wherein generating the token comprises generating a token value of at least 64 bits ; combining the token and a predefined character string to form a uniform resource locator (URL) which corresponds to the private resource ; generating an email message which includes the URL , and transmitting the email message to the email address of the user ; and in response to receiving a request for the URL over the publicly-accessible network from a user , accessing the resource without requiring the user to enter authentication information . US6360254B1 CLAIM 2 . The method of claim 1 , wherein the resource comprises personal account information stored in a database , and accessing the resource comprises returning to the user a private Web page (web site) which includes the account information . US6360254B1 CLAIM 4 . The method of claim 1 , wherein accessing the resource comprises transmitting to the user a Web page that contains an electronic greeting card (service providers, credit cards, service providers make purchases, service providers using credit cards) created for the user by another user . US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . US6360254B1 CLAIM 28 . The computer system of claim 16 , wherein the server system implements an electronic voting system wherein a request for a private URL represents a (communications network) vote by a user . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer (server system) to reimburse service providers (token generation, greeting card) for credit card service charge fees (random number) paid by other service providers . |
US6360254B1 CLAIM 1 . In a Web site system in which different users are provided access to different private resources , a computer-implemented method of providing a user secure access to a private resource over a publicly-accessible network without requiring the user to enter authentication information , the method comprising : obtaining an email address of the user ; generating a token using a token generation (service providers, credit cards, service providers make purchases, service providers using credit cards) method that distributes tokens substantially randomly over a token space , the token space selected to be sufficiently large to inhibit identification of a valid token by trial and error , wherein generating the token comprises generating a token value of at least 64 bits ; combining the token and a predefined character string to form a uniform resource locator (URL) which corresponds to the private resource ; generating an email message which includes the URL , and transmitting the email message to the email address of the user ; and in response to receiving a request for the URL over the publicly-accessible network from a user , accessing the resource without requiring the user to enter authentication information . US6360254B1 CLAIM 4 . The method of claim 1 , wherein accessing the resource comprises transmitting to the user a Web page that contains an electronic greeting card (service providers, credit cards, service providers make purchases, service providers using credit cards) created for the user by another user . US6360254B1 CLAIM 10 . The method of claim 1 , wherein generating the token comprises using at least one of an encryption algorithm and a pseudo-random number (credit card service charge fees) generation algorithm . US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (token generation, greeting card) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US6360254B1 CLAIM 1 . In a Web site system in which different users are provided access to different private resources , a computer-implemented method of providing a user secure access to a private resource over a publicly-accessible network without requiring the user to enter authentication information , the method comprising : obtaining an email address of the user ; generating a token using a token generation (service providers, credit cards, service providers make purchases, service providers using credit cards) method that distributes tokens substantially randomly over a token space , the token space selected to be sufficiently large to inhibit identification of a valid token by trial and error , wherein generating the token comprises generating a token value of at least 64 bits ; combining the token and a predefined character string to form a uniform resource locator (URL) which corresponds to the private resource ; generating an email message which includes the URL , and transmitting the email message to the email address of the user ; and in response to receiving a request for the URL over the publicly-accessible network from a user , accessing the resource without requiring the user to enter authentication information . US6360254B1 CLAIM 4 . The method of claim 1 , wherein accessing the resource comprises transmitting to the user a Web page that contains an electronic greeting card (service providers, credit cards, service providers make purchases, service providers using credit cards) created for the user by another user . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer (server system) to collect a service charge for a bridge operator for the product purchase . |
US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer (server system) to settle accounts between service providers (token generation, greeting card) according to a predetermine schedule . |
US6360254B1 CLAIM 1 . In a Web site system in which different users are provided access to different private resources , a computer-implemented method of providing a user secure access to a private resource over a publicly-accessible network without requiring the user to enter authentication information , the method comprising : obtaining an email address of the user ; generating a token using a token generation (service providers, credit cards, service providers make purchases, service providers using credit cards) method that distributes tokens substantially randomly over a token space , the token space selected to be sufficiently large to inhibit identification of a valid token by trial and error , wherein generating the token comprises generating a token value of at least 64 bits ; combining the token and a predefined character string to form a uniform resource locator (URL) which corresponds to the private resource ; generating an email message which includes the URL , and transmitting the email message to the email address of the user ; and in response to receiving a request for the URL over the publicly-accessible network from a user , accessing the resource without requiring the user to enter authentication information . US6360254B1 CLAIM 4 . The method of claim 1 , wherein accessing the resource comprises transmitting to the user a Web page that contains an electronic greeting card (service providers, credit cards, service providers make purchases, service providers using credit cards) created for the user by another user . US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer (server system) to maintain a database that contains information on which vendors are associated with which service providers (token generation, greeting card) . |
US6360254B1 CLAIM 1 . In a Web site system in which different users are provided access to different private resources , a computer-implemented method of providing a user secure access to a private resource over a publicly-accessible network without requiring the user to enter authentication information , the method comprising : obtaining an email address of the user ; generating a token using a token generation (service providers, credit cards, service providers make purchases, service providers using credit cards) method that distributes tokens substantially randomly over a token space , the token space selected to be sufficiently large to inhibit identification of a valid token by trial and error , wherein generating the token comprises generating a token value of at least 64 bits ; combining the token and a predefined character string to form a uniform resource locator (URL) which corresponds to the private resource ; generating an email message which includes the URL , and transmitting the email message to the email address of the user ; and in response to receiving a request for the URL over the publicly-accessible network from a user , accessing the resource without requiring the user to enter authentication information . US6360254B1 CLAIM 4 . The method of claim 1 , wherein accessing the resource comprises transmitting to the user a Web page that contains an electronic greeting card (service providers, credit cards, service providers make purchases, service providers using credit cards) created for the user by another user . US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (Web page) and wherein the method further comprises using the bridge computer (server system) to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US6360254B1 CLAIM 2 . The method of claim 1 , wherein the resource comprises personal account information stored in a database , and accessing the resource comprises returning to the user a private Web page (web site) which includes the account information . US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer (server system) to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (Web site) provider . |
US6360254B1 CLAIM 1 . In a Web site (different service, multiple service) system in which different users are provided access to different private resources , a computer-implemented method of providing a user secure access to a private resource over a publicly-accessible network without requiring the user to enter authentication information , the method comprising : obtaining an email address of the user ; generating a token using a token generation method that distributes tokens substantially randomly over a token space , the token space selected to be sufficiently large to inhibit identification of a valid token by trial and error , wherein generating the token comprises generating a token value of at least 64 bits ; combining the token and a predefined character string to form a uniform resource locator (URL) which corresponds to the private resource ; generating an email message which includes the URL , and transmitting the email message to the email address of the user ; and in response to receiving a request for the URL over the publicly-accessible network from a user , accessing the resource without requiring the user to enter authentication information . US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer (server system) to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (Web site) provider . |
US6360254B1 CLAIM 1 . In a Web site (different service, multiple service) system in which different users are provided access to different private resources , a computer-implemented method of providing a user secure access to a private resource over a publicly-accessible network without requiring the user to enter authentication information , the method comprising : obtaining an email address of the user ; generating a token using a token generation method that distributes tokens substantially randomly over a token space , the token space selected to be sufficiently large to inhibit identification of a valid token by trial and error , wherein generating the token comprises generating a token value of at least 64 bits ; combining the token and a predefined character string to form a uniform resource locator (URL) which corresponds to the private resource ; generating an email message which includes the URL , and transmitting the email message to the email address of the user ; and in response to receiving a request for the URL over the publicly-accessible network from a user , accessing the resource without requiring the user to enter authentication information . US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer (server system) to allow a user without an account to create a new service provider account when that user attempts to purchase products from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer (server system) to maintain accounts for multiple service providers (token generation, greeting card) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (token generation, greeting card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6360254B1 CLAIM 1 . In a Web site (different service, multiple service) system in which different users are provided access to different private resources , a computer-implemented method of providing a user secure access to a private resource over a publicly-accessible network without requiring the user to enter authentication information , the method comprising : obtaining an email address of the user ; generating a token using a token generation (service providers, credit cards, service providers make purchases, service providers using credit cards) method that distributes tokens substantially randomly over a token space , the token space selected to be sufficiently large to inhibit identification of a valid token by trial and error , wherein generating the token comprises generating a token value of at least 64 bits ; combining the token and a predefined character string to form a uniform resource locator (URL) which corresponds to the private resource ; generating an email message which includes the URL , and transmitting the email message to the email address of the user ; and in response to receiving a request for the URL over the publicly-accessible network from a user , accessing the resource without requiring the user to enter authentication information . US6360254B1 CLAIM 4 . The method of claim 1 , wherein accessing the resource comprises transmitting to the user a Web page that contains an electronic greeting card (service providers, credit cards, service providers make purchases, service providers using credit cards) created for the user by another user . US6360254B1 CLAIM 16 . A computer system for providing secure Web-based access to private resources over a publicly-accessible network without requiring users to enter authentication information , comprising : a database which includes a plurality of private records , wherein different private records correspond to different users ; and a server system (bridge computer) which communicates with Web clients over the publicly-accessible network to provide restricted user access to the private records , the server system including a server application that (a) generates tokens which correspond to specific private records such that outstanding tokens are distributed substantially randomly over a token space , wherein each of said tokens comprises at least 64 bits , (b) generates private uniform resource locators (URLs) which include the tokens , (c) transmits the private URLs to corresponding users to enable the users to access corresponding private records , and (d) validates tokens received from Web clients in URL requests ; wherein the server system responds to a URL request which includes a valid token by returning information contained in a private record which corresponds to the token , without requiring user entry of authentication information . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (Web page) on the vendor computer to offer the product for sale . |
US6360254B1 CLAIM 2 . The method of claim 1 , wherein the resource comprises personal account information stored in a database , and accessing the resource comprises returning to the user a private Web page (web site) which includes the account information . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (Web page) on the vendor computer to offer the product for sale . |
US6360254B1 CLAIM 2 . The method of claim 1 , wherein the resource comprises personal account information stored in a database , and accessing the resource comprises returning to the user a private Web page (web site) which includes the account information . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2000276547A Filed: 1999-03-29 Issued: 2000-10-06 金融業務用統合型コールセンター・システム (Original Assignee) Bank Of Yokohama Ltd; 株式会社 横浜銀行 Makoto Hoshino, Kazuhiko Okawa, 和彦 大川, 誠 星野 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider (確認情報) ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2000276547A CLAIM 3 【請求項３】 前記インバウンド業務処理手段は、顧客 からの所定の問合せ若しくは照会に対して自動応答し、 若しくはテレフォン・バンキングにおける前記顧客によ る情報入力方法をアシストするための音声応答装置を含 む請求項２に記載の統合型コールセンター・システム (user device) 。 JP2000276547A CLAIM 9 【請求項９】 外線電話と内線電話間の回線接続及び回 線交換を行うための電話交換手段と、 顧客情報を一元的に管理する顧客情報データベース手段 と、 前記顧客情報に基づいて種々の提供商品及びサービスを 顧客に案内等するためのアウトバウンド業務処理手段 と、顧客からアクセスされる種々の照会、問合せ、相談 若しくは依頼取引等を処理するためのインバウンド業務 処理手段の両業務間において、接続中の顧客との電話回 線を当該顧客情報と共に相互に転送するためのコール統 合制御手段と、 前記インバウンド業務処理手段において、顧客からの回 線着信の際に当該顧客によって入力される確認情報 (different service provider) を検 証し、さらに振込等の取引業務の依頼の際には入力され る暗証情報を検証して、当該確認情報及び暗証情報が予 め登録されているものとの一致性を確認するためのセキ ュリティ・チェック手段と、を具備することを特徴とす る金融業務用統合型コールセンター・システム。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2000276547A CLAIM 3 【請求項３】 前記インバウンド業務処理手段は、顧客 からの所定の問合せ若しくは照会に対して自動応答し、 若しくはテレフォン・バンキングにおける前記顧客によ る情報入力方法をアシストするための音声応答装置を含 む請求項２に記載の統合型コールセンター・システム (user device) 。 |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider (確認情報) . |
JP2000276547A CLAIM 9 【請求項９】 外線電話と内線電話間の回線接続及び回 線交換を行うための電話交換手段と、 顧客情報を一元的に管理する顧客情報データベース手段 と、 前記顧客情報に基づいて種々の提供商品及びサービスを 顧客に案内等するためのアウトバウンド業務処理手段 と、顧客からアクセスされる種々の照会、問合せ、相談 若しくは依頼取引等を処理するためのインバウンド業務 処理手段の両業務間において、接続中の顧客との電話回 線を当該顧客情報と共に相互に転送するためのコール統 合制御手段と、 前記インバウンド業務処理手段において、顧客からの回 線着信の際に当該顧客によって入力される確認情報 (different service provider) を検 証し、さらに振込等の取引業務の依頼の際には入力され る暗証情報を検証して、当該確認情報及び暗証情報が予 め登録されているものとの一致性を確認するためのセキ ュリティ・チェック手段と、を具備することを特徴とす る金融業務用統合型コールセンター・システム。 |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider (確認情報) . |
JP2000276547A CLAIM 9 【請求項９】 外線電話と内線電話間の回線接続及び回 線交換を行うための電話交換手段と、 顧客情報を一元的に管理する顧客情報データベース手段 と、 前記顧客情報に基づいて種々の提供商品及びサービスを 顧客に案内等するためのアウトバウンド業務処理手段 と、顧客からアクセスされる種々の照会、問合せ、相談 若しくは依頼取引等を処理するためのインバウンド業務 処理手段の両業務間において、接続中の顧客との電話回 線を当該顧客情報と共に相互に転送するためのコール統 合制御手段と、 前記インバウンド業務処理手段において、顧客からの回 線着信の際に当該顧客によって入力される確認情報 (different service provider) を検 証し、さらに振込等の取引業務の依頼の際には入力され る暗証情報を検証して、当該確認情報及び暗証情報が予 め登録されているものとの一致性を確認するためのセキ ュリティ・チェック手段と、を具備することを特徴とす る金融業務用統合型コールセンター・システム。 |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products from a vendor , wherein the new account (情報データ) is created with the service provider associated with that vendor . |
JP2000276547A CLAIM 1 【請求項１】 外線電話と内線電話間の回線接続及び 回線交換を行うための電話交換手段と、 顧客情報を一元的に管理する顧客情報データ (new account) ベース手段 と、 前記顧客情報に基づいて、種々の提供商品及びサービス を顧客に案内等するアウトバウンド業務をサポートする ためのアウトバウンド業務処理手段と、 顧客からアクセスされる種々の照会、問合せ、相談若し くは依頼取引等を処理するインバウンド業務をサポート するためのインバウンド業務処理手段と、 前記電話交換手段と前記顧客情報データベース手段とに 接続され、前記アウトバウンド業務処理手段と前記イン バウンド業務処理手段間において顧客との電話回線を所 望の担当部署に転送する際に、それぞれの前記業務処理 手段を構成する複数の業務処理端末装置の中から前記担 当部署の端末装置に対して当該顧客情報を前記通信回線 を介して転送するコール統合制御手段と、を具備するこ とを特徴とする金融業務用統合型コールセンター・シス テム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (データベース, ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2000276547A CLAIM 1 【請求項１】 外線電話と内線電話間の回線接続及び 回線交換を行うための電話交換手段と、 顧客情報を一元的に管理する顧客情報データベース (multiple service providers) 手段 と、 前記顧客情報に基づいて、種々の提供商品及びサービス を顧客に案内等するアウトバウンド業務をサポートする ためのアウトバウンド業務処理手段と、 顧客からアクセスされる種々の照会、問合せ、相談若し くは依頼取引等を処理するインバウンド業務をサポート するためのインバウンド業務処理手段と、 前記電話交換手段と前記顧客情報データベース手段とに 接続され、前記アウトバウンド業務処理手段と前記イン バウンド業務処理手段間において顧客との電話回線を所 望の担当部署に転送する際に、それぞれの前記業務処理 手段を構成する複数の業務処理端末装置の中から前記担 当部署の端末装置に対して当該顧客情報を前記通信回線 を介して転送するコール統合制御手段と、を具備するこ とを特徴とする金融業務用統合型コールセンター・シス テム。 JP2000276547A CLAIM 4 【請求項４】 前記インバウンド業務処理手段は、公衆 通信回線から所定の通信ネットワ (multiple service providers) ーク経由でアクセスし てくる顧客のデータ処理装置から入力される種々の照 会、問合せ、若しくは依頼取引等を処理する機能を具備 する請求項１に記載の統合型コールセンター・システ ム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6098053A Filed: 1999-01-26 Issued: 2000-08-01 System and method for performing an electronic financial transaction (Original Assignee) Citibank NA (Current Assignee) Citibank NA Alan Slater |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer (security method) to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site (Wide Web) provided by a vendor computer (secure transmission) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6098053A CLAIM 1 . A method of performing a financial transaction between a purchaser and a merchant , comprising : under control of a service provider having a direct connection to an on-line ATM/POS transaction system , receiving via a first public access network an electronic financial transaction instruction initiated by the purchaser to make a purchase over the first public access network from the merchant , the financial transaction instruction comprising encrypted card information , encrypted security information and transaction amount information each suitable for use in an on-line ATM/POS transaction , wherein the card information and security information are encrypted according to ATM/POS transaction system standards , the card information including card number data and the security information including personal identification number data ; retrieving the card number data from the financial transaction instruction , wherein the card number data is associated with a checking or savings account (s account) in purchaser' ; s bank for funding the financial transaction ; retrieving the personal identification number data , wherein the personal identification number data is associated with the card number data to identify the purchaser and authorize use of the card number data ; and retrieving the transaction amount information ; generating a transaction request in a format for processing in the on-line ATM/POS transaction system using the card information , the security information and the transaction amount information ; and forwarding the transaction request via the on-line ATM/POS transaction system to the purchaser' ; s bank for authorization of the financial transaction between the purchaser and the merchant . US6098053A CLAIM 5 . A method of performing a financial transaction as recited in claim 2 , wherein the first secure mechanism further comprises a second level of protection including encrypting the financial transaction instruction for secure transmission (vendor computer) over the first public access network . US6098053A CLAIM 11 . A method of performing a financial transaction as recited in claim 10 , wherein the Internet protocol is the World Wide Web (web site) . US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer (security method) to reimburse service providers for credit card service charge fees (financial institution) paid by other service providers . |
US6098053A CLAIM 19 . A method of performing a financial transaction as recited in claim 18 , wherein encrypting the financial transaction for the second type of protection comprises encrypting in a manner decryptable by a financial institution (credit card service charge fees) providing access to the on-line ATM/POS transaction system . US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer (security method) to collect a service charge for a bridge operator for the product purchase . |
US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer (security method) to settle accounts between service providers according to a predetermine schedule . |
US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer (security method) to maintain a database that contains information on which vendors are associated with which service providers . |
US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (Wide Web) and wherein the method further comprises using the bridge computer (security method) to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US6098053A CLAIM 11 . A method of performing a financial transaction as recited in claim 10 , wherein the Internet protocol is the World Wide Web (web site) . US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer (security method) to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider . |
US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer (security method) to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer (security method) to allow a user without an account to create a new service provider account when that user attempts to purchase products from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer (security method) to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6098053A CLAIM 46 . The method of claim 44 , wherein the first secure mechanism comprises a first level of protection and a second level of protection , wherein the first level of protection comprises a security method (bridge computer) selected from the group consisting of applying a digital signature of the purchaser to the purchaser payment instruction and appending a digital certificate of the purchaser to the purchaser payment instruction , and wherein the second level of protection comprises applying a first encryption format to the purchaser payment instruction , where the first encryption format is decryptable by the purchaser and the service provider . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (Wide Web) on the vendor computer (secure transmission) to offer the product for sale . |
US6098053A CLAIM 5 . A method of performing a financial transaction as recited in claim 2 , wherein the first secure mechanism further comprises a second level of protection including encrypting the financial transaction instruction for secure transmission (vendor computer) over the first public access network . US6098053A CLAIM 11 . A method of performing a financial transaction as recited in claim 10 , wherein the Internet protocol is the World Wide Web (web site) . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (Wide Web) on the vendor computer (secure transmission) to offer the product for sale . |
US6098053A CLAIM 5 . A method of performing a financial transaction as recited in claim 2 , wherein the first secure mechanism further comprises a second level of protection including encrypting the financial transaction instruction for secure transmission (vendor computer) over the first public access network . US6098053A CLAIM 11 . A method of performing a financial transaction as recited in claim 10 , wherein the Internet protocol is the World Wide Web (web site) . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6055516A Filed: 1999-01-20 Issued: 2000-04-25 Electronic sourcing system (Original Assignee) Procurenet Inc (Current Assignee) ePlus Inc ; Procurenet Inc James M. Johnson, Robert P. Kinross, Francis J. Melly, Douglas A. Momyer |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (generation module) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6055516A CLAIM 21 . An electronic sourcing system comprising : a requisition module including data fields , user-generated criteria entered into at least one of said data fields to generate at least partial criteria corresponding to a desired item ; a catalog collection searching module , said searching module including a collection of catalogs of items stored in an electronic format , a catalog selection criteria used to select less than said entire collection , said searching module being used to generate additional search-module criteria for said data fields of said requisition module ; a multiple purchase order generation module (communications network) , said purchase order generation module creating multiple purchase orders from a single requisition created with said user-generated criteria and said search-module criteria ; wherein each of at least two catalogs include a generally equivalent item from a different source , said requisition module working in combination with said catalog searching module to determine multiple sources for said item ; wherein said multiple sources is limited by said catalog searching module providing a match according to said user-generated criteria , said search-module criteria and a determination system that located items are generally equivalent ; and wherein said determination system includes a cross reference table matching an identification code from a first located item with a second identification code from a second located item . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (selling items) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (selling items) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6055516A CLAIM 1 . An electronic sourcing system comprising : a collection of catalogs of items stored in an electronic format ; a first set of pre-determined criteria associated with said collection of catalogs ; a second set of pre-determined criteria associated with items from each of said catalogs ; a catalog selection protocol , said catalog selection protocol relying on said first set of pre-determined criteria to select less than said entire collection of catalogs , and including matching a vendor identification code with a subset of said collection of catalogs , wherein said subset of catalogs includes both a vendor catalog from a predetermined vendor and a second catalog from a predetermined third party that is one of a manufacturer and a competing vendor , said predetermined third party selling items (multiple service providers, service providers using credit cards) corresponding to items in said vendor catalog ; and a search program , said search program relying on said second set of criteria to select specific items from said catalogs determined from said catalog selection protocol . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6223168B1 Filed: 1998-12-30 Issued: 2001-04-24 Automatic remittance delivery system (Original Assignee) Bottomline Tech Inc (Current Assignee) Bottomline Tech Inc Daniel M. McGurl, Margaret O'Toole, Helmar Herman |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price (payment system) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6223168B1 CLAIM 7 . A system as claimed in claim 1 , wherein each said recipient is permitted access to said database (user device) to update and/or create recipient preference data . US6223168B1 CLAIM 12 . A method as claimed in claim 11 , wherein said remittance data includes one or more payment data being generated by one or more payment system (purchase price, purchase price using funds) s . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US6223168B1 CLAIM 7 . A system as claimed in claim 1 , wherein each said recipient is permitted access to said database (user device) to update and/or create recipient preference data . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (more account) for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (more payment) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6223168B1 CLAIM 3 . A system as claimed in claim 1 , wherein said remittance data is generated by one or more account (bridge computer to maintain accounts) ing systems including accounts payable , payroll and T& ; E data generating systems . US6223168B1 CLAIM 12 . A method as claimed in claim 11 , wherein said remittance data includes one or more payment (credit cards, service providers using credit cards) data being generated by one or more payment systems . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6327578B1 Filed: 1998-12-29 Issued: 2001-12-04 Four-party credit/debit payment protocol (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp ; PayPal Inc Mark Linehan |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase (merchant identifier, program product) at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (security protocol) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (user account) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (message interaction) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6327578B1 CLAIM 1 . A method for electronic commerce , comprising : forming a four party payment protocol for electronic sales including a consumer' ; s computer coupled to a merchant' ; s computer and to an issuing bank computer via an issuer gateway , the merchant computer being further coupled to an acquiring bank computer ; sending from a merchant' ; s computer over an internet network to a consumer' ; s computer , a merchant message including a wallet initiation message , a merchant digital signature , and a digital certificate from an acquiring bank , said wallet initiation message including a payment amount , an order description , and a timestamp ; starting a consumer' ; s wallet program in said consumer' ; s computer in response to said wallet initiation message ; sending from said consumer' ; s computer consumer identity and authentication information and said merchant message , to an issuer gateway for an issuing bank ; the issuing bank creating a reference number or value representing the consumer' ; s credit or debit card number by repairing a table of credit card or debit card numbers and a corresponding table of reference numbers , the issuing bank pairing the consumer' ; s card number with a selected reference number and outputting the reference number to the issuer gateway ; verifying at said issuer gateway said merchant' ; s signature to prove that the consumer is dealing with the actual merchant and validating at said issuer gateway the merchant' ; s certificate and the acquirer' ; s certificate to prove that the merchant and issuer share a common financial arrangement ; said issuer gateway verifying the consumer' ; s account (s account) and ensuring that funds and/or credit are available to support the payment amount , then authorizing payment by sending to the consumer over said internet network an authorization token , an issuer' ; s digital certificate , said wallet initiation message , and a reference to said consumer' ; s credit or debit card number ; said authorization token including the payment amount , order description , timestamp , a random nonce plus a merchant identifier (product purchase, user attempts to purchase products) and a reference to the consumer' ; s credit or debit card number ; and said merchant' ; s computer receiving said authorization token and fulfilling said order description . US6327578B1 CLAIM 12 . The method for electronic commerce of claim 1 , wherein said consumer identity and authentication information is a is a user account (user account, service provider accounts, bridge computer to maintain accounts) number and a symmetric MAC or asymmetric digital signature . US6327578B1 CLAIM 24 . The method for electronic commerce of claim 1 , wherein split shipments are supported by an additional message interaction (purchase price using funds) between the merchant and issuer gateway , comprising : the merchant sending the authorization token to the issuer gateway identified in the issuer' ; s digital certificate , including details of a split requirement , such as the amount of a first payment , the merchant authenticating the request by signing it and including the merchant' ; s digital certificate ; the issuer gateway verifying that the merchant signing message is the same merchant that signed an original request , verifying the split request according to business and risk management policies , and responding with a new authorization token in a message to the merchant ; the merchant forwarding the new authorization token in a capture message the acquirer gateway ; the merchant resubmitting the new authorization token to the acquirer gateway m a second message , whenever the merchant has shipped a second part of the shipment . US6327578B1 CLAIM 31 . A computer program product (product purchase, user attempts to purchase products) , comprising : computer program code forming a four party payment protocol for electronic sales including a consumer' ; s computer coupled to a merchant' ; s computer and to an issuing bank computer via an issuer gateway , the merchant computer being further coupled to an acquiring bank computer ; computer program code means for sending from the merchant' ; s computer over an internet network to the consumer' ; s computer , a merchant message including a wallet initiation message , a merchant digital signature , and a digital certificate from an acquiring bank , said wallet initiation message including a payment amount , an order description , and a timestamp ; computer program code means for starting a consumer' ; s wallet program in said consumer' ; s computer in response to said wallet initiation message ; computer program code means for sending from said consumer' ; s computer consumer identity and authentication information and said merchant message , to the issuer gateway for an issuing bank ; computer program code at the issuing bank creating a reference number or value representing the consumer' ; s credit or debit card number by preparing a table of credit card or debit card numbers and a corresponding table of reference numbers , the issuing bank pairing the consumer' ; s card number with a selected reference number and outputting the reference number to the issuer gateway ; computer program code verifying at said issuer gateway said merchant' ; s signature to prove that the consumer is dealing with the actual merchant and validating at said issuer gateway the merchant' ; s certificate and the acquirer' ; s certificate to prove that the merchant and issuer share a common financial arrangement ; said issuer gateway verifying the consumer' ; s account and ensuring that funds and/or credit are available to support the payment amount , then authorizing payment by sending over said internet network an authorization token , an issuer' ; s digital certificate , said wallet initiation message , and a reference to said consumer' ; s credit or debit card number ; said authorization token including the payment amount , order description , timestamp , a random nonce plus a merchant identifier and a reference to the consumer' ; s credit or debit card number ; said merchant' ; s computer receiving said authorization token and fulfilling said order description ; and computer program code at the acquiring bank settling accounts with the issuing bank over a private network by sending a settlement message that includes the reference number to the consumer' ; s card number . US6327578B1 CLAIM 49 . The method for electronic commerce of claim 48 , wherein the confidentiality of said credit or debit account number is maintained by using a higher-level security protocol (communications network) , such as encrypted email or SSL , to protect the communications among the consumer and the issuer gateway , the consumer and the merchant , the issuer gateway and the merchant , and , if applicable , the merchant and the acquirer . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (merchant identifier, program product) . |
US6327578B1 CLAIM 1 . A method for electronic commerce , comprising : forming a four party payment protocol for electronic sales including a consumer' ; s computer coupled to a merchant' ; s computer and to an issuing bank computer via an issuer gateway , the merchant computer being further coupled to an acquiring bank computer ; sending from a merchant' ; s computer over an internet network to a consumer' ; s computer , a merchant message including a wallet initiation message , a merchant digital signature , and a digital certificate from an acquiring bank , said wallet initiation message including a payment amount , an order description , and a timestamp ; starting a consumer' ; s wallet program in said consumer' ; s computer in response to said wallet initiation message ; sending from said consumer' ; s computer consumer identity and authentication information and said merchant message , to an issuer gateway for an issuing bank ; the issuing bank creating a reference number or value representing the consumer' ; s credit or debit card number by repairing a table of credit card or debit card numbers and a corresponding table of reference numbers , the issuing bank pairing the consumer' ; s card number with a selected reference number and outputting the reference number to the issuer gateway ; verifying at said issuer gateway said merchant' ; s signature to prove that the consumer is dealing with the actual merchant and validating at said issuer gateway the merchant' ; s certificate and the acquirer' ; s certificate to prove that the merchant and issuer share a common financial arrangement ; said issuer gateway verifying the consumer' ; s account and ensuring that funds and/or credit are available to support the payment amount , then authorizing payment by sending to the consumer over said internet network an authorization token , an issuer' ; s digital certificate , said wallet initiation message , and a reference to said consumer' ; s credit or debit card number ; said authorization token including the payment amount , order description , timestamp , a random nonce plus a merchant identifier (product purchase, user attempts to purchase products) and a reference to the consumer' ; s credit or debit card number ; and said merchant' ; s computer receiving said authorization token and fulfilling said order description . US6327578B1 CLAIM 31 . A computer program product (product purchase, user attempts to purchase products) , comprising : computer program code forming a four party payment protocol for electronic sales including a consumer' ; s computer coupled to a merchant' ; s computer and to an issuing bank computer via an issuer gateway , the merchant computer being further coupled to an acquiring bank computer ; computer program code means for sending from the merchant' ; s computer over an internet network to the consumer' ; s computer , a merchant message including a wallet initiation message , a merchant digital signature , and a digital certificate from an acquiring bank , said wallet initiation message including a payment amount , an order description , and a timestamp ; computer program code means for starting a consumer' ; s wallet program in said consumer' ; s computer in response to said wallet initiation message ; computer program code means for sending from said consumer' ; s computer consumer identity and authentication information and said merchant message , to the issuer gateway for an issuing bank ; computer program code at the issuing bank creating a reference number or value representing the consumer' ; s credit or debit card number by preparing a table of credit card or debit card numbers and a corresponding table of reference numbers , the issuing bank pairing the consumer' ; s card number with a selected reference number and outputting the reference number to the issuer gateway ; computer program code verifying at said issuer gateway said merchant' ; s signature to prove that the consumer is dealing with the actual merchant and validating at said issuer gateway the merchant' ; s certificate and the acquirer' ; s certificate to prove that the merchant and issuer share a common financial arrangement ; said issuer gateway verifying the consumer' ; s account and ensuring that funds and/or credit are available to support the payment amount , then authorizing payment by sending over said internet network an authorization token , an issuer' ; s digital certificate , said wallet initiation message , and a reference to said consumer' ; s credit or debit card number ; said authorization token including the payment amount , order description , timestamp , a random nonce plus a merchant identifier and a reference to the consumer' ; s credit or debit card number ; said merchant' ; s computer receiving said authorization token and fulfilling said order description ; and computer program code at the acquiring bank settling accounts with the issuing bank over a private network by sending a settlement message that includes the reference number to the consumer' ; s card number . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (merchant identifier, program product) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US6327578B1 CLAIM 1 . A method for electronic commerce , comprising : forming a four party payment protocol for electronic sales including a consumer' ; s computer coupled to a merchant' ; s computer and to an issuing bank computer via an issuer gateway , the merchant computer being further coupled to an acquiring bank computer ; sending from a merchant' ; s computer over an internet network to a consumer' ; s computer , a merchant message including a wallet initiation message , a merchant digital signature , and a digital certificate from an acquiring bank , said wallet initiation message including a payment amount , an order description , and a timestamp ; starting a consumer' ; s wallet program in said consumer' ; s computer in response to said wallet initiation message ; sending from said consumer' ; s computer consumer identity and authentication information and said merchant message , to an issuer gateway for an issuing bank ; the issuing bank creating a reference number or value representing the consumer' ; s credit or debit card number by repairing a table of credit card or debit card numbers and a corresponding table of reference numbers , the issuing bank pairing the consumer' ; s card number with a selected reference number and outputting the reference number to the issuer gateway ; verifying at said issuer gateway said merchant' ; s signature to prove that the consumer is dealing with the actual merchant and validating at said issuer gateway the merchant' ; s certificate and the acquirer' ; s certificate to prove that the merchant and issuer share a common financial arrangement ; said issuer gateway verifying the consumer' ; s account and ensuring that funds and/or credit are available to support the payment amount , then authorizing payment by sending to the consumer over said internet network an authorization token , an issuer' ; s digital certificate , said wallet initiation message , and a reference to said consumer' ; s credit or debit card number ; said authorization token including the payment amount , order description , timestamp , a random nonce plus a merchant identifier (product purchase, user attempts to purchase products) and a reference to the consumer' ; s credit or debit card number ; and said merchant' ; s computer receiving said authorization token and fulfilling said order description . US6327578B1 CLAIM 31 . A computer program product (product purchase, user attempts to purchase products) , comprising : computer program code forming a four party payment protocol for electronic sales including a consumer' ; s computer coupled to a merchant' ; s computer and to an issuing bank computer via an issuer gateway , the merchant computer being further coupled to an acquiring bank computer ; computer program code means for sending from the merchant' ; s computer over an internet network to the consumer' ; s computer , a merchant message including a wallet initiation message , a merchant digital signature , and a digital certificate from an acquiring bank , said wallet initiation message including a payment amount , an order description , and a timestamp ; computer program code means for starting a consumer' ; s wallet program in said consumer' ; s computer in response to said wallet initiation message ; computer program code means for sending from said consumer' ; s computer consumer identity and authentication information and said merchant message , to the issuer gateway for an issuing bank ; computer program code at the issuing bank creating a reference number or value representing the consumer' ; s credit or debit card number by preparing a table of credit card or debit card numbers and a corresponding table of reference numbers , the issuing bank pairing the consumer' ; s card number with a selected reference number and outputting the reference number to the issuer gateway ; computer program code verifying at said issuer gateway said merchant' ; s signature to prove that the consumer is dealing with the actual merchant and validating at said issuer gateway the merchant' ; s certificate and the acquirer' ; s certificate to prove that the merchant and issuer share a common financial arrangement ; said issuer gateway verifying the consumer' ; s account and ensuring that funds and/or credit are available to support the payment amount , then authorizing payment by sending over said internet network an authorization token , an issuer' ; s digital certificate , said wallet initiation message , and a reference to said consumer' ; s credit or debit card number ; said authorization token including the payment amount , order description , timestamp , a random nonce plus a merchant identifier and a reference to the consumer' ; s credit or debit card number ; said merchant' ; s computer receiving said authorization token and fulfilling said order description ; and computer program code at the acquiring bank settling accounts with the issuing bank over a private network by sending a settlement message that includes the reference number to the consumer' ; s card number . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (user account) for multiple service providers , wherein the bridge computer credits some of the service provider accounts (user account) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (smart card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6327578B1 CLAIM 7 . The method for electronic commerce of claim 1 , wherein said consumer identity and authentication information is a smart card (credit cards) ' ; s account number and a symmetric Message Authentication Code (MAC) . US6327578B1 CLAIM 12 . The method for electronic commerce of claim 1 , wherein said consumer identity and authentication information is a is a user account (user account, service provider accounts, bridge computer to maintain accounts) number and a symmetric MAC or asymmetric digital signature . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6260024B1 Filed: 1998-12-02 Issued: 2001-07-10 Method and apparatus for facilitating buyer-driven purchase orders on a commercial network system (Original Assignee) Gary Shkedy (Current Assignee) Red Hat Inc Gary Shkedy |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price (purchase offer) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6260024B1 CLAIM 1 . A computer based method for facilitating a transaction between at least two buyers , an intermediate , and at least one seller , comprising : receiving at the intermediate a forward purchase order for at least one item from at least two buyers , said intermediate having a central controller ; forwarding a purchase stipulation from the central controller to the at least two buyers responsive to the submitted forward purchase order ; upon receiving an acceptance of said purchase stipulation , aggregating said forward purchase order to orders of like kind in a pool to form a pooled purchase order ; making the pooled purchase order including conditions of said pool to at least one seller ; receiving a bid from at least one seller ; verifying said bid with conditions of said pool ; if conditions of said pool are satisfied , binding the seller to said intermediate and storing said bid in seller database ; selecting a best bid from said database (user device) to determine a selected seller ; and forwarding confirmations of sale to the at least two buyers and the selected seller . US6260024B1 CLAIM 7 . The method of claim 1 , wherein said forward purchase offer (purchase price, purchase price using funds) further includes earliest possible delivery of said at least one item . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US6260024B1 CLAIM 1 . A computer based method for facilitating a transaction between at least two buyers , an intermediate , and at least one seller , comprising : receiving at the intermediate a forward purchase order for at least one item from at least two buyers , said intermediate having a central controller ; forwarding a purchase stipulation from the central controller to the at least two buyers responsive to the submitted forward purchase order ; upon receiving an acceptance of said purchase stipulation , aggregating said forward purchase order to orders of like kind in a pool to form a pooled purchase order ; making the pooled purchase order including conditions of said pool to at least one seller ; receiving a bid from at least one seller ; verifying said bid with conditions of said pool ; if conditions of said pool are satisfied , binding the seller to said intermediate and storing said bid in seller database ; selecting a best bid from said database (user device) to determine a selected seller ; and forwarding confirmations of sale to the at least two buyers and the selected seller . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (credit card, smart card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6260024B1 CLAIM 10 . The method of claim 9 , wherein said step of authenticating is performed by said central controller by authenticating the buyer' ; s credit card (credit cards, service providers using credit cards) with a credit card issuer . US6260024B1 CLAIM 11 . The method of claim 9 , wherein the step of authenticating is performed by authenticating one of the buyer' ; s smart card (credit cards, service providers using credit cards) and digital cash . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US20010011250A1 Filed: 1998-11-12 Issued: 2001-08-02 Distributed network based electronic wallet (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Credit Services Inc USA Cris T. Paltenghe, Alnoor B. Mamdani, Melvin M. Takata, Gregory Lee Huddleston |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (third parties) , wherein the vendor is associated with at least one of a plurality of service providers (service providers, credit card) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US20010011250A1 CLAIM 18 . A method as in claim 1 further comprising authorization by a user to allow selected third parties (communications network) to access data in said second data store . US20010011250A1 CLAIM 20 . A method as in claim 18 wherein said third parties are financial service providers (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) . US20010011250A1 CLAIM 21 . A method as in claim 18 wherein said third parties are one of the group consisting of telephone service vendors , power service vendors , and cable television vendors , insurance vendors , and credit card (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) providers . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (service providers, credit card) for credit card service charge fees paid by other service providers . |
US20010011250A1 CLAIM 20 . A method as in claim 18 wherein said third parties are financial service providers (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) . US20010011250A1 CLAIM 21 . A method as in claim 18 wherein said third parties are one of the group consisting of telephone service vendors , power service vendors , and cable television vendors , insurance vendors , and credit card (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) providers . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (service providers, credit card) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US20010011250A1 CLAIM 20 . A method as in claim 18 wherein said third parties are financial service providers (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) . US20010011250A1 CLAIM 21 . A method as in claim 18 wherein said third parties are one of the group consisting of telephone service vendors , power service vendors , and cable television vendors , insurance vendors , and credit card (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) providers . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator (service providers, credit card) for the product purchase . |
US20010011250A1 CLAIM 20 . A method as in claim 18 wherein said third parties are financial service providers (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) . US20010011250A1 CLAIM 21 . A method as in claim 18 wherein said third parties are one of the group consisting of telephone service vendors , power service vendors , and cable television vendors , insurance vendors , and credit card (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) providers . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (service providers, credit card) according to a predetermine schedule . |
US20010011250A1 CLAIM 20 . A method as in claim 18 wherein said third parties are financial service providers (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) . US20010011250A1 CLAIM 21 . A method as in claim 18 wherein said third parties are one of the group consisting of telephone service vendors , power service vendors , and cable television vendors , insurance vendors , and credit card (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) providers . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (service providers, credit card) . |
US20010011250A1 CLAIM 20 . A method as in claim 18 wherein said third parties are financial service providers (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) . US20010011250A1 CLAIM 21 . A method as in claim 18 wherein said third parties are one of the group consisting of telephone service vendors , power service vendors , and cable television vendors , insurance vendors , and credit card (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) providers . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (service providers, credit card) , wherein the bridge computer credits some of the service provider accounts (demographic information, personal data) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (service providers, credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US20010011250A1 CLAIM 1 . A system for selective organization , access to and use of personal data (service provider accounts) , comprising : a server , having data storage means for storing personal data in three separate and distinct data stores ; a first data store stored on said data storage means comprising static identification data which is personal to a user having access means for connecting to the server accessing and using ; a second data store stored on said data storage means company moderately dynamic personal data about the user ; and a third data store stored on said data storage means comprising dynamic demographic information (service provider accounts) data about the user . US20010011250A1 CLAIM 20 . A method as in claim 18 wherein said third parties are financial service providers (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) . US20010011250A1 CLAIM 21 . A method as in claim 18 wherein said third parties are one of the group consisting of telephone service vendors , power service vendors , and cable television vendors , insurance vendors , and credit card (service providers, bridge operator, multiple service providers, service providers using credit cards, credit cards) providers . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6092053A Filed: 1998-10-07 Issued: 2000-07-18 System and method for merchant invoked electronic commerce (Original Assignee) CyberCash Inc (Current Assignee) PayPal Inc Brian Boesch, Patrick Farrell, Elliott Light, R. Scott Eisenberg |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (electronic commerce) system having a bridge computer to allow a user at a user device to make a product purchase (merchant identifier) at a purchase price from a given vendor having a web site provided by a vendor computer (identifying information) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6092053A CLAIM 1 . A system for merchant invoked electronic commerce (electronic commerce, electronic commerce system) comprising : a network ; at least one consumer computer associated with at least one consumer and connected to the network , wherein the at least one consumer computer further comprises a web browser for accessing and communicating over the network ; at least one merchant computer associated with at least one merchant and connected to the network , wherein the at least one merchant computer further comprises web server software for hosting a web page and for executing client software for allowing the at least one merchant to send and receive information over the network ; and at least one consumer information server connected to the at least one consumer computer via the network and to the at least one merchant computer via the network , wherein the at least one consumer information server fer comprises consumer information server software , and wherein the client software further comprises instructions for forwarding a merchant' ; s offer to the at least one consumer information server via the consumer' ; s web browser and the consumer information server software further comprises instructions for gathering purchasing information to complete a purchasing transaction . US6092053A CLAIM 25 . The system in accordance with claim 1 , wherein the merchant' ; s offer comprises a merchant identifier (product purchase, user attempts to purchase products) , a price for the item , a digital signature of the merchant , and a transaction number . US6092053A CLAIM 51 . The method in accordance with claim 48 , fer comprising a registered consumer entering identifying information (vendor computer) to allow a registered consumer to identify the registered consumer thereby allowing the consumer information server software to access the registered consumer' ; s information from the consumer data structure if the consumer information server software did not select the registered consumer . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (merchant identifier) . |
US6092053A CLAIM 25 . The system in accordance with claim 1 , wherein the merchant' ; s offer comprises a merchant identifier (product purchase, user attempts to purchase products) , a price for the item , a digital signature of the merchant , and a transaction number . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (wide area networks) between service providers according to a predetermine schedule . |
US6092053A CLAIM 3 . The system in accordance with claim 1 , wherein the network is selected from group consisting of the Internet , intranet , local area networks (LANS) , and wide area networks (bridge computer to settle accounts) (WANS) . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (merchant identifier) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US6092053A CLAIM 25 . The system in accordance with claim 1 , wherein the merchant' ; s offer comprises a merchant identifier (product purchase, user attempts to purchase products) , a price for the item , a digital signature of the merchant , and a transaction number . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (payment card, card type) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6092053A CLAIM 10 . The system in accordance with claim 9 , wherein the merchant information further comprises contact information , merchant identification number , at least one network location for the merchant computer , accepted payment card (credit cards) types , accepted currencies , and accepted payment methods . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (identifying information) to offer the product for sale . |
US6092053A CLAIM 51 . The method in accordance with claim 48 , fer comprising a registered consumer entering identifying information (vendor computer) to allow a registered consumer to identify the registered consumer thereby allowing the consumer information server software to access the registered consumer' ; s information from the consumer data structure if the consumer information server software did not select the registered consumer . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (identifying information) to offer the product for sale . |
US6092053A CLAIM 51 . The method in accordance with claim 48 , fer comprising a registered consumer entering identifying information (vendor computer) to allow a registered consumer to identify the registered consumer thereby allowing the consumer information server software to access the registered consumer' ; s information from the consumer data structure if the consumer information server software did not select the registered consumer . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JP2000113289A Filed: 1998-10-05 Issued: 2000-04-21 Billing system in playground and billing method thereof (Original Assignee) Snk:Kk; 株式会社エス・エヌ・ケイ Yoshihiko Kato, 嘉彦 加藤 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム, plurality, データ) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (first reading) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JP2000113289A CLAIM 1 【請求項１】 複数の遊戯設備が設置され、当該遊戯設 備を利用するごとに課金を行う遊戯場での課金システム (user device) であって、 前記課金システムは、使用者が予納した料金を累積的に 記憶する第１の記憶部と、使用者が予納した料金から前 記遊戯設備の利用料金を差し引いた残り料金を記憶する 第２の記憶部とを有する随時書き換え可能なメモリを備 えた持ち運び自在の記憶媒体と、 前記遊戯場の適宜箇所に設けられ、前記記憶媒体に記憶 された情報を読み取り可能であると共に、前記記憶媒体 に記憶された情報を書き換え可能な第１の読み取り／書 き換え手段を備え、且つコイン又は紙幣等の金銭投入に より投入された料金を読み取る料金読み取り手段を備え た課金装置と、 前記遊戯設備には、前記記憶媒体の情報を読み取り又は 書き換え可能な第２の読み取り／書き換え手段を設ける とともに、当該読み取り／書き換え手段により前記第１ の記憶部から使用者の累積的な料金を読み取り、その累 積的な料金によりその遊戯設備の優待率を決定し、且つ その優待率に応じた料金を決定する優待率料金決定部と を設け、 前記優待率料金決定部により決定された優待料金を、前 記記憶媒体の第２の記憶部に記憶された残り料金から前 記第２の読み取り／書き換え手段により差し引くように 構成することを特徴とする遊戯場での課金システム。 1 . A billing system in a playground in which a plurality (user device) of game facilities are installed and billing is performed each time the game facilities are used , wherein the billing system accumulatively stores fees prepaid by a user . A portable storage medium having a rewritable memory having a first storage unit for storing the remaining fee obtained by subtracting the usage fee of the game equipment from a fee prepaid by the user . A first reading (s account) / rewriting means provided at an appropriate place in the playground , capable of reading information stored in the storage medium , and capable of rewriting information stored in the storage medium ; and A billing device having a fee reading unit for reading a fee inserted by inserting coins or bills , and the amusement facility can read or rewrite information in the storage medium . A second read / rewrite means , and the first read / rewrite means Read a user' ; s cumulative fee from the storage unit , determine a preferential treatment rate of the play equipment based on the cumulative fee , and provide a preferential treatment rate determining unit for determining a fee according to the preferential treatment rate , The game is characterized in that the preferential treatment fee determined by the preferential treatment fee determining unit is subtracted from the remaining fee stored in the second storage unit of the storage medium by the second reading / rewriting means . On-site billing system . JP2000113289A CLAIM 3 【請求項３】 遊戯場の使用者に対してＩＣカード等の 記憶媒体を配布するステップと、 この配布された記憶媒体に使用者の名前や住所等の個人 情報を入力するステップと、 前記記憶媒体に対して使用者がその遊戯場で使用すると 自らが予測する金銭を支払い、その支払った金額に応じ た料金を電子データ (user device) として前記記憶媒体に記憶するステ ップと、 前記遊戯場の遊戯設備を利用するごとに所定の料金を前 記記憶媒体に記憶された料金から差し引くステップと、 前記使用者は、その遊戯場で使用すると自らが予測する 金銭を支払った後に、追加的な料金の支払を行うことに より、前記記憶媒体に記憶された料金に追加的に支払っ た料金を加算するステップとからなり、 前記遊戯場の遊戯設備を利用するごとに記憶媒体に記憶 された料金から差し引かれる所定の料金は、前記記憶媒 体に累積的に記憶された料金又は遊戯設備の累積的利用 料金に応じて設定されることを特徴とする遊戯場での課 金方法。 3 . A step of distributing a storage medium such as an IC card to a user of the playground ; a step of inputting personal information such as a user' ; s name and address into the distributed storage medium ; Paying the money that the user predicts that the user will use the medium at the playground , storing a fee corresponding to the paid amount as electronic data in the storage medium , and using the play facilities of the playground Deducting a predetermined fee from the fee stored in the storage medium each time the user pays the amount of money expected by the user to be used in the playground , and then pays an additional fee . By adding a fee additionally paid to the fee stored in the storage medium , and from the fee stored in the storage medium every time the play facilities of the playground are used And the predetermined fee to be drawn , the charging method in the play area , characterized in that which is set according to the cumulative charge for cumulatively stored fee or wagering establishment in the storage medium . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム, plurality, データ) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JP2000113289A CLAIM 3 【請求項３】 遊戯場の使用者に対してＩＣカード等の 記憶媒体を配布するステップと、 この配布された記憶媒体に使用者の名前や住所等の個人 情報を入力するステップと、 前記記憶媒体に対して使用者がその遊戯場で使用すると 自らが予測する金銭を支払い、その支払った金額に応じ た料金を電子データ (user device) として前記記憶媒体に記憶するステ ップと、 前記遊戯場の遊戯設備を利用するごとに所定の料金を前 記記憶媒体に記憶された料金から差し引くステップと、 前記使用者は、その遊戯場で使用すると自らが予測する 金銭を支払った後に、追加的な料金の支払を行うことに より、前記記憶媒体に記憶された料金に追加的に支払っ た料金を加算するステップとからなり、 前記遊戯場の遊戯設備を利用するごとに記憶媒体に記憶 された料金から差し引かれる所定の料金は、前記記憶媒 体に累積的に記憶された料金又は遊戯設備の累積的利用 料金に応じて設定されることを特徴とする遊戯場での課 金方法。 3 . A step of distributing a storage medium such as an IC card to a user of the playground ; a step of inputting personal information such as a user' ; s name and address into the distributed storage medium ; Paying the money that the user predicts that the user will use the medium at the playground , storing a fee corresponding to the paid amount as electronic data in the storage medium , and using the play facilities of the playground Deducting a predetermined fee from the fee stored in the storage medium each time the user pays the amount of money expected by the user to be used in the playground , and then pays an additional fee . By adding a fee additionally paid to the fee stored in the storage medium , and from the fee stored in the storage medium every time the play facilities of the playground are used And the predetermined fee to be drawn , the charging method in the play area , characterized in that which is set according to the cumulative charge for cumulatively stored fee or wagering establishment in the storage medium . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (カード) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JP2000113289A CLAIM 3 【請求項３】 遊戯場の使用者に対してＩＣカード (credit cards) 等の 記憶媒体を配布するステップと、 この配布された記憶媒体に使用者の名前や住所等の個人 情報を入力するステップと、 前記記憶媒体に対して使用者がその遊戯場で使用すると 自らが予測する金銭を支払い、その支払った金額に応じ た料金を電子データとして前記記憶媒体に記憶するステ ップと、 前記遊戯場の遊戯設備を利用するごとに所定の料金を前 記記憶媒体に記憶された料金から差し引くステップと、 前記使用者は、その遊戯場で使用すると自らが予測する 金銭を支払った後に、追加的な料金の支払を行うことに より、前記記憶媒体に記憶された料金に追加的に支払っ た料金を加算するステップとからなり、 前記遊戯場の遊戯設備を利用するごとに記憶媒体に記憶 された料金から差し引かれる所定の料金は、前記記憶媒 体に累積的に記憶された料金又は遊戯設備の累積的利用 料金に応じて設定されることを特徴とする遊戯場での課 金方法。 3 . A step of distributing a storage medium such as an IC card to a user of the playground ; a step of inputting personal information such as a user' ; s name and address into the distributed storage medium ; Paying the money that the user predicts that the user will use the medium at the playground , storing a fee corresponding to the paid amount as electronic data in the storage medium , and using the play facilities of the playground Deducting a predetermined fee from the fee stored in the storage medium each time the user pays the amount of money expected by the user to be used in the playground , and then pays an additional fee . By adding a fee additionally paid to the fee stored in the storage medium , and from the fee stored in the storage medium every time the play facilities of the playground are used And the predetermined fee to be drawn , the charging method in the play area , characterized in that which is set according to the cumulative charge for cumulatively stored fee or wagering establishment in the storage medium . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6233568B1 Filed: 1998-06-29 Issued: 2001-05-15 System and method for automatically providing shipping/transportation fees (Original Assignee) E-Stamp Corp (Current Assignee) Stamps com Inc Salim G. Kara |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (including circuitry) system having a bridge computer (switched network) to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (service providers) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6233568B1 CLAIM 38 . A system for retrievably storing transaction information for a plurality of transactions , wherein ones of said plurality of transactions are associated with different transaction facilitators of a plurality of transaction facilitators , said system comprising : a memory for storing transaction information , wherein the memory is contained within the secure confines of a portable package also including a processor restricting access to said memory ; at least one input device accepting information input regarding aspects of a desired transaction ; a processor-based system in information communication with said memory and said at least one input device , said processor-based system including circuitry (electronic commerce) interfaced so as to receive said desired transaction information input into said processor based-system , wherein said processor-based system is a general multi-purpose processor based system and said circuitry is defined at least in part bv a computer program operating thereon , wherein said circuitry operates to determine information specific to ones of the plurality of facilitators conducting a transaction as a function of said desired transaction aspects , and wherein the portable package of the memory is removably coupled to said processor-based system to provide said information communication ; at least one interface device accepting said information specific to ones of the plurality of facilitators and presenting said accepted information specific to ones of the plurality of facilitators for selection of a particular one of said facilitators to conduct a transaction as a function of said desired transaction aspects ; and a printer coupled to said processor-based system adapted to print information authorizing said particular one of said facilitators to conduct a transaction as a function of said desired transaction aspects . US6233568B1 CLAIM 42 . A system for selecting a particular shipping service provider of a plurality of shipping service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) and printing an authorization for shipping an item via said particular shipping service provider , said system comprising : a first processor device storing an amount of credit suitable for use in authorizing shipment of said item ; a second processor device having an interface adapted for coupling with said first processor device and for providing information communication there between , wherein said second processor device includes a user interface adapted to interface with a user to accept input associated with said shipment of said item , and wherein said second processor device includes circuitry coupled to said user interface adapted to determine a shipping rate associated with ones of said shipping service providers as a function of said input associated with said shipment of said item and to present said determined shipping rates to said user for selection of said particular shipping service provider , wherein said circuitry communicates at least said shipping rate associated with said particular shipping service provider to said first processor for decrementing said shipping rate associated with said particular shipping service provider from said amount of credit prior to printing an authorization for shipping said item ; wherein determination of said shipping rates of at least one shipping service provider of said plurality of shipping service providers includes reference to a discrete database for said at least one shipping service provider ; and wherein said discrete database is remote to said first processor device . US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer (switched network) to reimburse service providers (service providers) for credit card service charge fees paid by other service providers . |
US6233568B1 CLAIM 42 . A system for selecting a particular shipping service provider of a plurality of shipping service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) and printing an authorization for shipping an item via said particular shipping service provider , said system comprising : a first processor device storing an amount of credit suitable for use in authorizing shipment of said item ; a second processor device having an interface adapted for coupling with said first processor device and for providing information communication there between , wherein said second processor device includes a user interface adapted to interface with a user to accept input associated with said shipment of said item , and wherein said second processor device includes circuitry coupled to said user interface adapted to determine a shipping rate associated with ones of said shipping service providers as a function of said input associated with said shipment of said item and to present said determined shipping rates to said user for selection of said particular shipping service provider , wherein said circuitry communicates at least said shipping rate associated with said particular shipping service provider to said first processor for decrementing said shipping rate associated with said particular shipping service provider from said amount of credit prior to printing an authorization for shipping said item ; wherein determination of said shipping rates of at least one shipping service provider of said plurality of shipping service providers includes reference to a discrete database for said at least one shipping service provider ; and wherein said discrete database is remote to said first processor device . US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (service providers) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US6233568B1 CLAIM 42 . A system for selecting a particular shipping service provider of a plurality of shipping service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) and printing an authorization for shipping an item via said particular shipping service provider , said system comprising : a first processor device storing an amount of credit suitable for use in authorizing shipment of said item ; a second processor device having an interface adapted for coupling with said first processor device and for providing information communication there between , wherein said second processor device includes a user interface adapted to interface with a user to accept input associated with said shipment of said item , and wherein said second processor device includes circuitry coupled to said user interface adapted to determine a shipping rate associated with ones of said shipping service providers as a function of said input associated with said shipment of said item and to present said determined shipping rates to said user for selection of said particular shipping service provider , wherein said circuitry communicates at least said shipping rate associated with said particular shipping service provider to said first processor for decrementing said shipping rate associated with said particular shipping service provider from said amount of credit prior to printing an authorization for shipping said item ; wherein determination of said shipping rates of at least one shipping service provider of said plurality of shipping service providers includes reference to a discrete database for said at least one shipping service provider ; and wherein said discrete database is remote to said first processor device . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer (switched network) to collect a service charge for a bridge operator (service providers) for the product purchase . |
US6233568B1 CLAIM 42 . A system for selecting a particular shipping service provider of a plurality of shipping service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) and printing an authorization for shipping an item via said particular shipping service provider , said system comprising : a first processor device storing an amount of credit suitable for use in authorizing shipment of said item ; a second processor device having an interface adapted for coupling with said first processor device and for providing information communication there between , wherein said second processor device includes a user interface adapted to interface with a user to accept input associated with said shipment of said item , and wherein said second processor device includes circuitry coupled to said user interface adapted to determine a shipping rate associated with ones of said shipping service providers as a function of said input associated with said shipment of said item and to present said determined shipping rates to said user for selection of said particular shipping service provider , wherein said circuitry communicates at least said shipping rate associated with said particular shipping service provider to said first processor for decrementing said shipping rate associated with said particular shipping service provider from said amount of credit prior to printing an authorization for shipping said item ; wherein determination of said shipping rates of at least one shipping service provider of said plurality of shipping service providers includes reference to a discrete database for said at least one shipping service provider ; and wherein said discrete database is remote to said first processor device . US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer (switched network) to settle accounts between service providers (service providers) according to a predetermine schedule . |
US6233568B1 CLAIM 42 . A system for selecting a particular shipping service provider of a plurality of shipping service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) and printing an authorization for shipping an item via said particular shipping service provider , said system comprising : a first processor device storing an amount of credit suitable for use in authorizing shipment of said item ; a second processor device having an interface adapted for coupling with said first processor device and for providing information communication there between , wherein said second processor device includes a user interface adapted to interface with a user to accept input associated with said shipment of said item , and wherein said second processor device includes circuitry coupled to said user interface adapted to determine a shipping rate associated with ones of said shipping service providers as a function of said input associated with said shipment of said item and to present said determined shipping rates to said user for selection of said particular shipping service provider , wherein said circuitry communicates at least said shipping rate associated with said particular shipping service provider to said first processor for decrementing said shipping rate associated with said particular shipping service provider from said amount of credit prior to printing an authorization for shipping said item ; wherein determination of said shipping rates of at least one shipping service provider of said plurality of shipping service providers includes reference to a discrete database for said at least one shipping service provider ; and wherein said discrete database is remote to said first processor device . US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer (switched network) to maintain a database that contains information on which vendors are associated with which service providers (service providers) . |
US6233568B1 CLAIM 42 . A system for selecting a particular shipping service provider of a plurality of shipping service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) and printing an authorization for shipping an item via said particular shipping service provider , said system comprising : a first processor device storing an amount of credit suitable for use in authorizing shipment of said item ; a second processor device having an interface adapted for coupling with said first processor device and for providing information communication there between , wherein said second processor device includes a user interface adapted to interface with a user to accept input associated with said shipment of said item , and wherein said second processor device includes circuitry coupled to said user interface adapted to determine a shipping rate associated with ones of said shipping service providers as a function of said input associated with said shipment of said item and to present said determined shipping rates to said user for selection of said particular shipping service provider , wherein said circuitry communicates at least said shipping rate associated with said particular shipping service provider to said first processor for decrementing said shipping rate associated with said particular shipping service provider from said amount of credit prior to printing an authorization for shipping said item ; wherein determination of said shipping rates of at least one shipping service provider of said plurality of shipping service providers includes reference to a discrete database for said at least one shipping service provider ; and wherein said discrete database is remote to said first processor device . US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer (switched network) to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer (switched network) to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider . |
US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer (switched network) to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer (switched network) to allow a user without an account to create a new service provider account when that user attempts to purchase products from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer (switched network) to maintain accounts for multiple service providers (service providers) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (smart card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6233568B1 CLAIM 7 . The method of claim 1 , wherein said storage device is selected from the group consisting of : a smart card (credit cards) ; a PCMCIA card ; and a smart disk . US6233568B1 CLAIM 42 . A system for selecting a particular shipping service provider of a plurality of shipping service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) and printing an authorization for shipping an item via said particular shipping service provider , said system comprising : a first processor device storing an amount of credit suitable for use in authorizing shipment of said item ; a second processor device having an interface adapted for coupling with said first processor device and for providing information communication there between , wherein said second processor device includes a user interface adapted to interface with a user to accept input associated with said shipment of said item , and wherein said second processor device includes circuitry coupled to said user interface adapted to determine a shipping rate associated with ones of said shipping service providers as a function of said input associated with said shipment of said item and to present said determined shipping rates to said user for selection of said particular shipping service provider , wherein said circuitry communicates at least said shipping rate associated with said particular shipping service provider to said first processor for decrementing said shipping rate associated with said particular shipping service provider from said amount of credit prior to printing an authorization for shipping said item ; wherein determination of said shipping rates of at least one shipping service provider of said plurality of shipping service providers includes reference to a discrete database for said at least one shipping service provider ; and wherein said discrete database is remote to said first processor device . US6233568B1 CLAIM 45 . The system of claim 42 , wherein said first processor device is coupled to said remote database through an information communication link selected from the group consisting of : a LAN ; a WAN ; the Internet ; and a public switched network (bridge computer) . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6064990A Filed: 1998-03-31 Issued: 2000-05-16 System for electronic notification of account activity (Original Assignee) International Business Machines Corp (Current Assignee) PayPal Inc Kevin Scott Goldsmith |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (user account) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6064990A CLAIM 19 . An article of manufacture for use in programming a financial institution computer system maintaining a database including information on a plurality of user account (user account, service provider accounts, bridge computer to maintain accounts) s , the article of manufacture comprising a computer usable storage medium having at least one computer program stored therein that causes the financial institution computer system to perform the steps of : (a) maintaining electronic information on financial accounts in the financial institution computer system ; (b) maintaining electronic user contact information for at least one of the financial accounts ; (c) processing information on a completed transaction with respect to one of the financial accounts , wherein all completed financial transactions regardless of amount are processed ; (d) generating a message providing information on the completed transaction ; (e) processing the user contact information for the financial account involved in the completed transaction ; and (f) electronically transmitting the message immediately from the computer system to the location identified by the user contact information for the financial account . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (user account) for multiple service providers , wherein the bridge computer credits some of the service provider accounts (user account) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial transactions) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6064990A CLAIM 1 . A method implemented within a financial institution computer system for notifying a user of account activity , wherein the account is maintained within the financial institution computer system , comprising : (a) maintaining electronic information in the financial institution computer system on financial accounts ; (b) maintaining electronic user contact information for at least one of the financial accounts ; (c) processing information on a completed financial transaction with respect to one of the financial accounts in the financial institution computer system , wherein all completed financial transactions (credit cards) regardless of amount are processed ; (d) generating a message providing information on the completed transaction ; (e) processing the user contact information for the financial account involved in the completed transaction ; and (f) electronically transmitting the message immediately from the financial institution computer system to the location identified by the user contact information for the financial account . US6064990A CLAIM 19 . An article of manufacture for use in programming a financial institution computer system maintaining a database including information on a plurality of user account (user account, service provider accounts, bridge computer to maintain accounts) s , the article of manufacture comprising a computer usable storage medium having at least one computer program stored therein that causes the financial institution computer system to perform the steps of : (a) maintaining electronic information on financial accounts in the financial institution computer system ; (b) maintaining electronic user contact information for at least one of the financial accounts ; (c) processing information on a completed transaction with respect to one of the financial accounts , wherein all completed financial transactions regardless of amount are processed ; (d) generating a message providing information on the completed transaction ; (e) processing the user contact information for the financial account involved in the completed transaction ; and (f) electronically transmitting the message immediately from the computer system to the location identified by the user contact information for the financial account . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH11224236A Filed: 1998-02-05 Issued: 1999-08-17 遠隔認証システム (Original Assignee) Mitsubishi Electric Corp; 三菱電機株式会社 Yoshimasa Baba, Teruko Fujii, Hiroshi Nakamura, Tetsuo Sadakane, 浩 中村, 照子 藤井, 哲男 貞包, 義昌 馬場 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (ユーザ識別情報) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (ユーザ端末) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH11224236A CLAIM 1 【請求項１】 ネットワークに認証サーバと、認証クラ イアントと、ユーザ端末 (user account) がそれぞれ接続され、上記ユー ザ端末を通じて上記認証クライアントにアクセスするユ ーザの認証を行う遠隔認証システム (user device) において、上記ユー ザ端末には少なくとも１又は複数種類のバイオメトリク ス取得装置が接続され、上記認証サーバには上記ユーザ 端末及び又は上記ユーザに応じた１又は複数の認証情報 取得ソフトウェアが格納され、認証に際して上記認証サ ーバからダウンロードされる上記ユーザ端末及び又は上 記ユーザに応じた所定の認証情報取得ソフトウェアの動 作に応じて、上記１又は複数種類のバイオメトリクス取 得装置で取得されたバイオメトリクス情報及び又はキー 入力されたユーザ識別情報 (service providers, service providers make purchases) を用いるようにしたことを特 徴とする遠隔認証システム。 |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (ユーザ識別情報) for credit card service charge fees paid by other service providers . |
JPH11224236A CLAIM 1 【請求項１】 ネットワークに認証サーバと、認証クラ イアントと、ユーザ端末がそれぞれ接続され、上記ユー ザ端末を通じて上記認証クライアントにアクセスするユ ーザの認証を行う遠隔認証システムにおいて、上記ユー ザ端末には少なくとも１又は複数種類のバイオメトリク ス取得装置が接続され、上記認証サーバには上記ユーザ 端末及び又は上記ユーザに応じた１又は複数の認証情報 取得ソフトウェアが格納され、認証に際して上記認証サ ーバからダウンロードされる上記ユーザ端末及び又は上 記ユーザに応じた所定の認証情報取得ソフトウェアの動 作に応じて、上記１又は複数種類のバイオメトリクス取 得装置で取得されたバイオメトリクス情報及び又はキー 入力されたユーザ識別情報 (service providers, service providers make purchases) を用いるようにしたことを特 徴とする遠隔認証システム。 |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (ユーザ識別情報) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
JPH11224236A CLAIM 1 【請求項１】 ネットワークに認証サーバと、認証クラ イアントと、ユーザ端末がそれぞれ接続され、上記ユー ザ端末を通じて上記認証クライアントにアクセスするユ ーザの認証を行う遠隔認証システムにおいて、上記ユー ザ端末には少なくとも１又は複数種類のバイオメトリク ス取得装置が接続され、上記認証サーバには上記ユーザ 端末及び又は上記ユーザに応じた１又は複数の認証情報 取得ソフトウェアが格納され、認証に際して上記認証サ ーバからダウンロードされる上記ユーザ端末及び又は上 記ユーザに応じた所定の認証情報取得ソフトウェアの動 作に応じて、上記１又は複数種類のバイオメトリクス取 得装置で取得されたバイオメトリクス情報及び又はキー 入力されたユーザ識別情報 (service providers, service providers make purchases) を用いるようにしたことを特 徴とする遠隔認証システム。 |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (ユーザ識別情報) according to a predetermine schedule . |
JPH11224236A CLAIM 1 【請求項１】 ネットワークに認証サーバと、認証クラ イアントと、ユーザ端末がそれぞれ接続され、上記ユー ザ端末を通じて上記認証クライアントにアクセスするユ ーザの認証を行う遠隔認証システムにおいて、上記ユー ザ端末には少なくとも１又は複数種類のバイオメトリク ス取得装置が接続され、上記認証サーバには上記ユーザ 端末及び又は上記ユーザに応じた１又は複数の認証情報 取得ソフトウェアが格納され、認証に際して上記認証サ ーバからダウンロードされる上記ユーザ端末及び又は上 記ユーザに応じた所定の認証情報取得ソフトウェアの動 作に応じて、上記１又は複数種類のバイオメトリクス取 得装置で取得されたバイオメトリクス情報及び又はキー 入力されたユーザ識別情報 (service providers, service providers make purchases) を用いるようにしたことを特 徴とする遠隔認証システム。 |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (ユーザ識別情報) . |
JPH11224236A CLAIM 1 【請求項１】 ネットワークに認証サーバと、認証クラ イアントと、ユーザ端末がそれぞれ接続され、上記ユー ザ端末を通じて上記認証クライアントにアクセスするユ ーザの認証を行う遠隔認証システムにおいて、上記ユー ザ端末には少なくとも１又は複数種類のバイオメトリク ス取得装置が接続され、上記認証サーバには上記ユーザ 端末及び又は上記ユーザに応じた１又は複数の認証情報 取得ソフトウェアが格納され、認証に際して上記認証サ ーバからダウンロードされる上記ユーザ端末及び又は上 記ユーザに応じた所定の認証情報取得ソフトウェアの動 作に応じて、上記１又は複数種類のバイオメトリクス取 得装置で取得されたバイオメトリクス情報及び又はキー 入力されたユーザ識別情報 (service providers, service providers make purchases) を用いるようにしたことを特 徴とする遠隔認証システム。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH11224236A CLAIM 1 【請求項１】 ネットワークに認証サーバと、認証クラ イアントと、ユーザ端末がそれぞれ接続され、上記ユー ザ端末を通じて上記認証クライアントにアクセスするユ ーザの認証を行う遠隔認証システム (user device) において、上記ユー ザ端末には少なくとも１又は複数種類のバイオメトリク ス取得装置が接続され、上記認証サーバには上記ユーザ 端末及び又は上記ユーザに応じた１又は複数の認証情報 取得ソフトウェアが格納され、認証に際して上記認証サ ーバからダウンロードされる上記ユーザ端末及び又は上 記ユーザに応じた所定の認証情報取得ソフトウェアの動 作に応じて、上記１又は複数種類のバイオメトリクス取 得装置で取得されたバイオメトリクス情報及び又はキー 入力されたユーザ識別情報を用いるようにしたことを特 徴とする遠隔認証システム。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (ユーザ識別情報) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH11224236A CLAIM 1 【請求項１】 ネットワ (multiple service providers) ークに認証サーバと、認証クラ イアントと、ユーザ端末がそれぞれ接続され、上記ユー ザ端末を通じて上記認証クライアントにアクセスするユ ーザの認証を行う遠隔認証システムにおいて、上記ユー ザ端末には少なくとも１又は複数種類のバイオメトリク ス取得装置が接続され、上記認証サーバには上記ユーザ 端末及び又は上記ユーザに応じた１又は複数の認証情報 取得ソフトウェアが格納され、認証に際して上記認証サ ーバからダウンロードされる上記ユーザ端末及び又は上 記ユーザに応じた所定の認証情報取得ソフトウェアの動 作に応じて、上記１又は複数種類のバイオメトリクス取 得装置で取得されたバイオメトリクス情報及び又はキー 入力されたユーザ識別情報 (service providers, service providers make purchases) を用いるようにしたことを特 徴とする遠隔認証システム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH11203544A Filed: 1998-01-12 Issued: 1999-07-30 プリペイドカード (Original Assignee) Total Technology Kk; トータルテクノロジ株式会社 Kazutoshi Kato, 和利 加藤 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (データ) to make a product purchase at a purchase price (高速道路) from a given vendor having a web site provided by a vendor computer (読み取り) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer (読み取り) , and wherein the user has a user account (各サービス) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH11203544A CLAIM 1 【請求項１】 互いに異なるサービスを利用する為の前 払い料金情報（２３）（３３）を含む複数のサービスデ ータ（２０）（３０）が、各サービス (user account) 毎に記録され、各 サービスデータ (user device) （２０）（３０）は、互いにカード処理 装置（４０）による読み取り (vendor computer, service provider computer) 方向が異なるように記録さ れていることを特徴とするプリペイドカード。 JPH11203544A CLAIM 3 【請求項３】 前記サービスは、電話通話サービスと高 速道路利用サービスであり、各サービスデータ（２０） （３０）には、電話料金の前払い料金情報と高速道路 (purchase price) 料 金の前払い料金情報がそれぞれ記録されていることを特 徴とする請求項１記載のプリペイドカード。 |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers according to a predetermine schedule (含む複数) . |
JPH11203544A CLAIM 1 【請求項１】 互いに異なるサービスを利用する為の前 払い料金情報（２３）（３３）を含む複数 (predetermine schedule) のサービスデ ータ（２０）（３０）が、各サービス毎に記録され、各 サービスデータ（２０）（３０）は、互いにカード処理 装置（４０）による読み取り方向が異なるように記録さ れていることを特徴とするプリペイドカード。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (データ) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH11203544A CLAIM 1 【請求項１】 互いに異なるサービスを利用する為の前 払い料金情報（２３）（３３）を含む複数のサービスデ ータ（２０）（３０）が、各サービス毎に記録され、各 サービスデータ (user device) （２０）（３０）は、互いにカード処理 装置（４０）による読み取り方向が異なるように記録さ れていることを特徴とするプリペイドカード。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (カード) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH11203544A CLAIM 1 【請求項１】 互いに異なるサービスを利用する為の前 払い料金情報（２３）（３３）を含む複数のサービスデ ータ（２０）（３０）が、各サービス毎に記録され、各 サービスデータ（２０）（３０）は、互いにカード (credit cards) 処理 装置（４０）による読み取り方向が異なるように記録さ れていることを特徴とするプリペイドカード。 |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (読み取り) to offer the product for sale . |
JPH11203544A CLAIM 1 【請求項１】 互いに異なるサービスを利用する為の前 払い料金情報（２３）（３３）を含む複数のサービスデ ータ（２０）（３０）が、各サービス毎に記録され、各 サービスデータ（２０）（３０）は、互いにカード処理 装置（４０）による読み取り (vendor computer, service provider computer) 方向が異なるように記録さ れていることを特徴とするプリペイドカード。 |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (読み取り) to offer the product for sale . |
JPH11203544A CLAIM 1 【請求項１】 互いに異なるサービスを利用する為の前 払い料金情報（２３）（３３）を含む複数のサービスデ ータ（２０）（３０）が、各サービス毎に記録され、各 サービスデータ（２０）（３０）は、互いにカード処理 装置（４０）による読み取り (vendor computer, service provider computer) 方向が異なるように記録さ れていることを特徴とするプリペイドカード。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6039250A Filed: 1998-01-06 Issued: 2000-03-21 Electronic money sending system (Original Assignee) Hitachi Ltd (Current Assignee) Hitachi Ltd Atsushi Ito, Masaaki Hiroya |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (IC cards) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6039250A CLAIM 2 . An electronic money remittance method , for use in an electronic money system in which communication lines are set up through a communication network between a plurality of IC cards (electronic commerce, electronic commerce system) for storing electronic money having a money value to thereby send and receive electronic money via the communication network between the IC cards , the electronic money remittance method comprising the steps of : connecting to the communication network an electronic money server containing an IC card for temporarily storing electronic money and means for storing information other than electronic money ; sending information to identify a receiving party to the electronic money server by a remitting party and remitting to the electronic money server electronic money , when electronic money is to be sent from a remitting party to a receiving party , and storing the electronic money in the IC card in the electronic money server and the information to identify a receiving party in the means for storing information other than electronic money in the electronic money server ; electronically informing the receiving party of a remittance of electronic money through electronic money transfer by the remitting party , and electronically soliciting a remittance request from the receiving party ; sending to the electronic money server by the receiving party , a remittance request to transfer electronic money remitted by the remitter to the receiving party on the basis of the stored information ; making a decision whether or not it is proper to remit the electronic money by the electronic money server on the basis of the remittance request of the receiving party and the stored information identifying the receiving party ; transferring the electronic money remitted from the remitting party to the receiving party , if the decision result indicates that it is proper to remit the electronic money ; and informing the remitting party of the completion of remittance of electronic money to the receiving party . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (storing electronic money) paid by other service providers . |
US6039250A CLAIM 1 . An electronic money remittance system comprising : at least one remitter information processing unit containing storing means for storing/sending electronic money having a money value in such a way as to prevent duplication and counterfeit of the electronic money ; at least one receiptor information processing unit containing storing means for receiving/storing electronic money (credit card service charge fees, credit cards, service providers using credit cards) having a money value in such a way as to prevent duplication and counterfeit of the electronic money ; an electronic money server for receiving electronic money sent from the remitter information processing unit and information relating to the electronic money , for storing the received electronic money in storing means for storing electronic money in such a way as to prevent duplication and counterfeit of the electronic money , and for storing the information relating to the electronic money in other means than said storing means for storing electronic money ; and a communication network for connecting the remitter information processing unit and receptor information processing unit to the electronic money server ; wherein the electronic money server receives and stores electronic money sent from the remitter information processing unit as a remitter and designated for the receptor information processing unit as a receiptor , electronically informs the receiptor information processing unit of the stored electronic money and electronically attempts to solicit a remittance request from the receiptor information processing unit , and transfers the stored electronic money to the receiptor information processing unit in accordance with a remittance request from the receiptor information processing unit . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (sending information) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US6039250A CLAIM 2 . An electronic money remittance method , for use in an electronic money system in which communication lines are set up through a communication network between a plurality of IC cards for storing electronic money having a money value to thereby send and receive electronic money via the communication network between the IC cards , the electronic money remittance method comprising the steps of : connecting to the communication network an electronic money server containing an IC card for temporarily storing electronic money and means for storing information other than electronic money ; sending information (user ID) to identify a receiving party to the electronic money server by a remitting party and remitting to the electronic money server electronic money , when electronic money is to be sent from a remitting party to a receiving party , and storing the electronic money in the IC card in the electronic money server and the information to identify a receiving party in the means for storing information other than electronic money in the electronic money server ; electronically informing the receiving party of a remittance of electronic money through electronic money transfer by the remitting party , and electronically soliciting a remittance request from the receiving party ; sending to the electronic money server by the receiving party , a remittance request to transfer electronic money remitted by the remitter to the receiving party on the basis of the stored information ; making a decision whether or not it is proper to remit the electronic money by the electronic money server on the basis of the remittance request of the receiving party and the stored information identifying the receiving party ; transferring the electronic money remitted from the remitting party to the receiving party , if the decision result indicates that it is proper to remit the electronic money ; and informing the remitting party of the completion of remittance of electronic money to the receiving party . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (storing electronic money) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6039250A CLAIM 1 . An electronic money remittance system comprising : at least one remitter information processing unit containing storing means for storing/sending electronic money having a money value in such a way as to prevent duplication and counterfeit of the electronic money ; at least one receiptor information processing unit containing storing means for receiving/storing electronic money (credit card service charge fees, credit cards, service providers using credit cards) having a money value in such a way as to prevent duplication and counterfeit of the electronic money ; an electronic money server for receiving electronic money sent from the remitter information processing unit and information relating to the electronic money , for storing the received electronic money in storing means for storing electronic money in such a way as to prevent duplication and counterfeit of the electronic money , and for storing the information relating to the electronic money in other means than said storing means for storing electronic money ; and a communication network for connecting the remitter information processing unit and receptor information processing unit to the electronic money server ; wherein the electronic money server receives and stores electronic money sent from the remitter information processing unit as a remitter and designated for the receptor information processing unit as a receiptor , electronically informs the receiptor information processing unit of the stored electronic money and electronically attempts to solicit a remittance request from the receiptor information processing unit , and transfers the stored electronic money to the receiptor information processing unit in accordance with a remittance request from the receiptor information processing unit . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5987429A Filed: 1997-12-16 Issued: 1999-11-16 Computer-based fee processing for electronic commerce (Original Assignee) Sun Microsystems Inc (Current Assignee) Oracle America Inc Lynn Michael Maritzen, Carl Alexander Wescott |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (electronic commerce) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5987429A CLAIM 1 . A method for automatically processing in a computing system fees due from transactions in electronic commerce (electronic commerce, electronic commerce system) , each transaction formed of a first phase and at least a second phase , the first phase defining a first event location and a second event location and the at least second phase defining the second event location and a third event location , said method comprising the computer implemented steps of : building a transaction information database with transaction event objects based on the first phase and the at least second phase in each transaction ; retrieving fee rules from a fee rule database ; determining if the fee rule applies to information in each of the first phase and the last least second phase of the transaction event object ; calculating the fees due based on the fee rule and the information in each of the first phase and the at least second phase of the transaction event object . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (storage device) paid by other service providers . |
US5987429A CLAIM 7 . Apparatus for processing fees due in multiple phases of a transaction in electronic commerce , the multiple phases formed of a first phase and at least a second phase , the first phase defining a first event location and a second event location and the at least second phase defining the second event location and a third event location , the computing system having a processor , an input/output device , and a data storage device (credit card service charge fees) , said apparatus comprising : a collecting module for building a transaction information database from transaction information by creating transaction phase objects containing transaction information about the phases of the multiple phases of the transaction ; a calculation module for applying fee rules from a rule database to transaction phase objects , computing fees due at each phase of the transaction , and creating fee objects containing fee payment information based on the phases of the transaction and identifying the fee recipient entity ; and a payment module for retrieving fee objects and making payments to fee recipient entities identified by the fee objects . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (program product) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US5987429A CLAIM 18 . A computer program product (user attempts to purchase products) comprising : a computer usable medium having a computer readable program code means embodied therein for causing a computer to process fees due in multiple phases of a transaction in electronic commerce , the multiple phases formed of a first phase and at least a second phase , the first phase defining a first event location and a second event location and the at least second phase defining the second event location and a third event location , the computer readable program code means comprising : means for building a transaction information database from transaction information by creating transaction objects containing transaction information about the phases of the multiple phases of the transaction ; fee application means for applying fee rules from a rule database to transaction objects , computing fees due at each phase of the transaction , and creating fee objects containing fee payment information based on the phases of the transaction and identifying a fee recipient entity ; and fee payment means for making payments to the fee recipient entities on the fee payments in the fee objects . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6029151A Filed: 1997-12-12 Issued: 2000-02-22 Method and system for performing electronic money transactions (Original Assignee) Telefonaktiebolaget LM Ericsson AB (Current Assignee) Telefonaktiebolaget LM Ericsson AB Pekka Nikander |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (one transaction) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (electronic transaction, money transactions) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6029151A CLAIM 1 . An electronic payment (purchase price using funds) transaction system in a node joining a first telecommunications network and a second telecommunications network comprising an electronic wallet means for converting electronic money transaction messages into conventional transactions , and an electronic payment intercepting means for redirecting to said electronic wallet means at least a part of electronic money transaction messages arriving from the first telecommunications network and addressed to users in the second telecommunications network . US6029151A CLAIM 2 . A system according to claim 1 comprising means for sending accounting signals to the second telecommunications network to change the balance of the user' ; s account (s account) with a sum corresponding to a received electronic money payment request addressed to the user and for sending an electronic money payment into the first telecommunications network . US6029151A CLAIM 3 . A system according to claim 2 comprising means for collecting more than one transaction (electronic commerce, electronic commerce system) of a user on an account internal to the system , before effecting a transaction between the system and the user . US6029151A CLAIM 11 . A method for performing electronic money transactions (purchase price, credit cards, credit card service charge fees, service providers using credit cards) comprising the steps of receiving an electronic money transaction request from a first telecommunications network addressed to a user in a second telecommunications network , redirecting said request to an electronic wallet means instead of said user , and transforming in said electronic wallet means the electronic transaction (purchase price, credit cards, credit card service charge fees, service providers using credit cards) request to corresponding accounting signals for changing the balance of an account corresponding to said user . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (electronic transaction, money transactions) paid by other service providers . |
US6029151A CLAIM 11 . A method for performing electronic money transactions (purchase price, credit cards, credit card service charge fees, service providers using credit cards) comprising the steps of receiving an electronic money transaction request from a first telecommunications network addressed to a user in a second telecommunications network , redirecting said request to an electronic wallet means instead of said user , and transforming in said electronic wallet means the electronic transaction (purchase price, credit cards, credit card service charge fees, service providers using credit cards) request to corresponding accounting signals for changing the balance of an account corresponding to said user . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (electronic transaction, money transactions) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6029151A CLAIM 11 . A method for performing electronic money transactions (purchase price, credit cards, credit card service charge fees, service providers using credit cards) comprising the steps of receiving an electronic money transaction request from a first telecommunications network addressed to a user in a second telecommunications network , redirecting said request to an electronic wallet means instead of said user , and transforming in said electronic wallet means the electronic transaction (purchase price, credit cards, credit card service charge fees, service providers using credit cards) request to corresponding accounting signals for changing the balance of an account corresponding to said user . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6047268A Filed: 1997-11-04 Issued: 2000-04-04 Method and apparatus for billing for transactions conducted over the internet (Original Assignee) AT&T Corp (Current Assignee) AT&T Properties LLC ; Hanger Solutions LLC Paul D. Bartoli, Stephen J. Griesmer, Gideon Lidor, Yzhak Ronen, Jean Tessier |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6047268A CLAIM 1 . A method of authenticating a user for a transaction on a data network comprising : sending to a user' ; s client terminal data containing a static information portion and a transaction-oriented dynamic portion , the static information portion identifying an account associated with the user and the transaction-oriented dynamic information portion containing information generated for that user that is valid for a single subsequent transaction ; storing the transaction-oriented dynamic information portion in association with the static information portion ; receiving , from the user' ; s client terminal , the data containing the static information portion and the transaction-oriented dynamic information portion in association with information relating to the single subsequent transaction ; identifying the user' ; s account (s account) from the received static information portion ; comparing the transaction-oriented dynamic information portion received from the user' ; s client terminal with the transaction-oriented dynamic information portion stored in association with the static information portion ; and authenticating the user for the single subsequent transaction if the received transaction-oriented dynamic information portion matches the stored transaction-oriented dynamic information for the account associated with the user . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (random number) paid by other service providers . |
US6047268A CLAIM 3 . The method of claim 2 wherein the transaction-oriented dynamic portion of the data previously sent to the user' ; s client terminal and the new transaction-oriented dynamic information portion each comprise a random number (credit card service charge fees) and a sequence number . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH11120370A Filed: 1997-10-17 Issued: 1999-04-30 Personal postcard issuing system (Original Assignee) Dainippon Printing Co Ltd; 大日本印刷株式会社 Takehiro Kudo, Keiko Oyu, 慶子 大湯, 雄大 工藤 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (information terminal) system having a bridge computer to allow a user at a user device (システム, データ) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (パーソナル) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer (パーソナル) , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (記印刷) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH11120370A CLAIM 1 【請求項１】会員カードと、情報端末と、情報センター と、ハガキ出力端末と、から構成されるパーソナル (vendor computer, service provider computer) ハガ キ発行システム (user device) であって、 前記会員カードは、会員のすくなくともＩＤデータ (user device) を記 憶する記憶部を有し、 前記情報端末は、会員カードの前記記憶部に記憶された データの読取りと、前記記憶部へのデータの書込みを行 うリーダライターと、画像表示により情報を提供するデ ィスプレイと、画像を読取る画像入力手段と、文字を入 力するための文字入力手段と、会員利用者の入力に基づ いてハガキに印刷する印刷データとそれに関連する付随 データを生成する編集処理手段を有し、 前記情報センターは、通信回線を介して前記情報端末お よび前記ハガキ出力端末との間でデータ転送を行うサー バーシステムであって、前記情報端末から前記印刷 (purchase price using funds) デー タと前記付随データとを収集し、第２の印刷データと第 ２の付随データを生成し、 前記前記ハガキ出力端末は前記第２の印刷データに基づ いてパーソナルハガキを印刷する、 ことを特徴とするパーソナルハガキ発行システム。 1 . A personal postcard issuing system comprising a member card , an information terminal (electronic commerce) , an information center , and a postcard output terminal , wherein the member card has a storage unit for storing at least ID data of a member . The information terminal has a reader / writer that reads data stored in the storage unit of the membership card and writes data in the storage unit , a display that provides information by displaying an image , and reads an image . An image input unit , a character input unit for inputting characters , and an edit processing unit for generating print data to be printed on a postcard based on an input of a member user and associated data associated therewith ; A server system for transferring data between the information terminal and the postcard output terminal via a communication line , wherein the information terminal Collecting the print data and the accompanying data , generating second print data and second accompanying data , and the postcard output terminal prints a personal postcard based on the second print data . A personal postcard issuing system . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム, データ) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH11120370A CLAIM 1 【請求項１】会員カードと、情報端末と、情報センター と、ハガキ出力端末と、から構成されるパーソナルハガ キ発行システム (user device) であって、 前記会員カードは、会員のすくなくともＩＤデータ (user device) を記 憶する記憶部を有し、 前記情報端末は、会員カードの前記記憶部に記憶された データの読取りと、前記記憶部へのデータの書込みを行 うリーダライターと、画像表示により情報を提供するデ ィスプレイと、画像を読取る画像入力手段と、文字を入 力するための文字入力手段と、会員利用者の入力に基づ いてハガキに印刷する印刷データとそれに関連する付随 データを生成する編集処理手段を有し、 前記情報センターは、通信回線を介して前記情報端末お よび前記ハガキ出力端末との間でデータ転送を行うサー バーシステムであって、前記情報端末から前記印刷デー タと前記付随データとを収集し、第２の印刷データと第 ２の付随データを生成し、 前記前記ハガキ出力端末は前記第２の印刷データに基づ いてパーソナルハガキを印刷する、 ことを特徴とするパーソナルハガキ発行システム。 1 . A personal postcard issuing system comprising a member card , an information terminal , an information center , and a postcard output terminal , wherein the member card has a storage unit for storing at least ID data of a member . The information terminal has a reader / writer that reads data stored in the storage unit of the membership card and writes data in the storage unit , a display that provides information by displaying an image , and reads an image . An image input unit , a character input unit for inputting characters , and an edit processing unit for generating print data to be printed on a postcard based on an input of a member user and associated data associated therewith ; A server system for transferring data between the information terminal and the postcard output terminal via a communication line , wherein the information terminal Collecting the print data and the accompanying data , generating second print data and second accompanying data , and the postcard output terminal prints a personal postcard based on the second print data . A personal postcard issuing system . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (カード) (membership) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH11120370A CLAIM 1 【請求項１】会員カード (credit cards) と、情報端末と、情報センター と、ハガキ出力端末と、から構成されるパーソナルハガ キ発行システムであって、 前記会員カードは、会員のすくなくともＩＤデータを記 憶する記憶部を有し、 前記情報端末は、会員カードの前記記憶部に記憶された データの読取りと、前記記憶部へのデータの書込みを行 うリーダライターと、画像表示により情報を提供するデ ィスプレイと、画像を読取る画像入力手段と、文字を入 力するための文字入力手段と、会員利用者の入力に基づ いてハガキに印刷する印刷データとそれに関連する付随 データを生成する編集処理手段を有し、 前記情報センターは、通信回線を介して前記情報端末お よび前記ハガキ出力端末との間でデータ転送を行うサー バーシステムであって、前記情報端末から前記印刷デー タと前記付随データとを収集し、第２の印刷データと第 ２の付随データを生成し、 前記前記ハガキ出力端末は前記第２の印刷データに基づ いてパーソナルハガキを印刷する、 ことを特徴とするパーソナルハガキ発行システム。 1 . A personal postcard issuing system comprising a member card , an information terminal , an information center , and a postcard output terminal , wherein the member card has a storage unit for storing at least ID data of a member . The information terminal has a reader / writer that reads data stored in the storage unit of the membership (service providers using credit cards) card and writes data in the storage unit , a display that provides information by displaying an image , and reads an image . An image input unit , a character input unit for inputting characters , and an edit processing unit for generating print data to be printed on a postcard based on an input of a member user and associated data associated therewith ; A server system for transferring data between the information terminal and the postcard output terminal via a communication line , wherein the information terminal Collecting the print data and the accompanying data , generating second print data and second accompanying data , and the postcard output terminal prints a personal postcard based on the second print data . A personal postcard issuing system . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (パーソナル) to offer the product for sale . |
JPH11120370A CLAIM 1 【請求項１】会員カードと、情報端末と、情報センター と、ハガキ出力端末と、から構成されるパーソナル (vendor computer, service provider computer) ハガ キ発行システムであって、 前記会員カードは、会員のすくなくともＩＤデータを記 憶する記憶部を有し、 前記情報端末は、会員カードの前記記憶部に記憶された データの読取りと、前記記憶部へのデータの書込みを行 うリーダライターと、画像表示により情報を提供するデ ィスプレイと、画像を読取る画像入力手段と、文字を入 力するための文字入力手段と、会員利用者の入力に基づ いてハガキに印刷する印刷データとそれに関連する付随 データを生成する編集処理手段を有し、 前記情報センターは、通信回線を介して前記情報端末お よび前記ハガキ出力端末との間でデータ転送を行うサー バーシステムであって、前記情報端末から前記印刷デー タと前記付随データとを収集し、第２の印刷データと第 ２の付随データを生成し、 前記前記ハガキ出力端末は前記第２の印刷データに基づ いてパーソナルハガキを印刷する、 ことを特徴とするパーソナルハガキ発行システム。 1 . A personal postcard issuing system comprising a member card , an information terminal , an information center , and a postcard output terminal , wherein the member card has a storage unit for storing at least ID data of a member . The information terminal has a reader / writer that reads data stored in the storage unit of the membership card and writes data in the storage unit , a display that provides information by displaying an image , and reads an image . An image input unit , a character input unit for inputting characters , and an edit processing unit for generating print data to be printed on a postcard based on an input of a member user and associated data associated therewith ; A server system for transferring data between the information terminal and the postcard output terminal via a communication line , wherein the information terminal Collecting the print data and the accompanying data , generating second print data and second accompanying data , and the postcard output terminal prints a personal postcard based on the second print data . A personal postcard issuing system . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (パーソナル) to offer the product for sale . |
JPH11120370A CLAIM 1 【請求項１】会員カードと、情報端末と、情報センター と、ハガキ出力端末と、から構成されるパーソナル (vendor computer, service provider computer) ハガ キ発行システムであって、 前記会員カードは、会員のすくなくともＩＤデータを記 憶する記憶部を有し、 前記情報端末は、会員カードの前記記憶部に記憶された データの読取りと、前記記憶部へのデータの書込みを行 うリーダライターと、画像表示により情報を提供するデ ィスプレイと、画像を読取る画像入力手段と、文字を入 力するための文字入力手段と、会員利用者の入力に基づ いてハガキに印刷する印刷データとそれに関連する付随 データを生成する編集処理手段を有し、 前記情報センターは、通信回線を介して前記情報端末お よび前記ハガキ出力端末との間でデータ転送を行うサー バーシステムであって、前記情報端末から前記印刷デー タと前記付随データとを収集し、第２の印刷データと第 ２の付随データを生成し、 前記前記ハガキ出力端末は前記第２の印刷データに基づ いてパーソナルハガキを印刷する、 ことを特徴とするパーソナルハガキ発行システム。 1 . A personal postcard issuing system comprising a member card , an information terminal , an information center , and a postcard output terminal , wherein the member card has a storage unit for storing at least ID data of a member . The information terminal has a reader / writer that reads data stored in the storage unit of the membership card and writes data in the storage unit , a display that provides information by displaying an image , and reads an image . An image input unit , a character input unit for inputting characters , and an edit processing unit for generating print data to be printed on a postcard based on an input of a member user and associated data associated therewith ; A server system for transferring data between the information terminal and the postcard output terminal via a communication line , wherein the information terminal Collecting the print data and the accompanying data , generating second print data and second accompanying data , and the postcard output terminal prints a personal postcard based on the second print data . A personal postcard issuing system . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5883810A Filed: 1997-09-24 Issued: 1999-03-16 Electronic online commerce card with transactionproxy number for online transactions (Original Assignee) Microsoft Corp (Current Assignee) Microsoft Technology Licensing LLC D. Chase Franklin, Daniel Rosen |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (electronic commerce) system having a bridge computer to allow a user at a user device to make a product purchase (customer site) at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (card registration) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (public key) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5883810A CLAIM 1 . A method for facilitating online commerce , comprising the following steps : issuing an electronic commerce (electronic commerce, electronic commerce system) card to a customer during a registration phase , the commerce card having a permanent number associated therewith to identify the customer ; and during an online commerce transaction phase , issuing a proxy number that is associated with the permanent number for use in an online commerce transaction in place of the permanent number on the commerce card . US5883810A CLAIM 7 . A method as recited in claim 1 , wherein prior to the step of issuing an electronic commerce card , the method comprises the following additional steps : initiating , from the customer , a request for the commerce card from an issuing authority ; and downloading software code to the customer to assist in a card registration (service providers, credit cards, service providers make purchases, service providers using credit cards) process . US5883810A CLAIM 16 . A method as recited in claim 14 , wherein the step of submitting the request for a certificate comprises the following steps : composing a public key (purchase price using funds) ; generating a private key that is associated with the public key ; and submitting a request for certificate that includes the public and private keys . US5883810A CLAIM 37 . A system for facilitating online commerce , comprising : a customer computing unit resident at a customer site (product purchase) , the customer computing unit being configured with an online commerce card for use in online commerce transactions , the online commerce card being associated with a customer account number ; an authority computing system resident at an authority site , the authority computing system having a database to hold the customer account number , the authority computing system being configured to generate a transaction number , associate the transaction number with the customer account number in the database and electronically issue the transaction number to the customer computing unit ; the customer computing unit being configured to use the transaction number in an online commerce transaction with a merchant ; and the authority computing system being configured to receive from the merchant an authorization request for approval of the transaction number , the authority computing system using the transaction number to cross-reference in the database the associated customer account number and to process the authorization request with the customer account number . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (card registration) for credit card service charge fees paid by other service providers . |
US5883810A CLAIM 7 . A method as recited in claim 1 , wherein prior to the step of issuing an electronic commerce card , the method comprises the following additional steps : initiating , from the customer , a request for the commerce card from an issuing authority ; and downloading software code to the customer to assist in a card registration (service providers, credit cards, service providers make purchases, service providers using credit cards) process . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (card registration) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US5883810A CLAIM 7 . A method as recited in claim 1 , wherein prior to the step of issuing an electronic commerce card , the method comprises the following additional steps : initiating , from the customer , a request for the commerce card from an issuing authority ; and downloading software code to the customer to assist in a card registration (service providers, credit cards, service providers make purchases, service providers using credit cards) process . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (customer site) . |
US5883810A CLAIM 37 . A system for facilitating online commerce , comprising : a customer computing unit resident at a customer site (product purchase) , the customer computing unit being configured with an online commerce card for use in online commerce transactions , the online commerce card being associated with a customer account number ; an authority computing system resident at an authority site , the authority computing system having a database to hold the customer account number , the authority computing system being configured to generate a transaction number , associate the transaction number with the customer account number in the database and electronically issue the transaction number to the customer computing unit ; the customer computing unit being configured to use the transaction number in an online commerce transaction with a merchant ; and the authority computing system being configured to receive from the merchant an authorization request for approval of the transaction number , the authority computing system using the transaction number to cross-reference in the database the associated customer account number and to process the authorization request with the customer account number . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (card registration) according to a predetermine schedule . |
US5883810A CLAIM 7 . A method as recited in claim 1 , wherein prior to the step of issuing an electronic commerce card , the method comprises the following additional steps : initiating , from the customer , a request for the commerce card from an issuing authority ; and downloading software code to the customer to assist in a card registration (service providers, credit cards, service providers make purchases, service providers using credit cards) process . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (card registration) . |
US5883810A CLAIM 7 . A method as recited in claim 1 , wherein prior to the step of issuing an electronic commerce card , the method comprises the following additional steps : initiating , from the customer , a request for the commerce card from an issuing authority ; and downloading software code to the customer to assist in a card registration (service providers, credit cards, service providers make purchases, service providers using credit cards) process . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (card application) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US5883810A CLAIM 14 . A method for registering for an online commerce card , comprising the following steps : initiating , at the customer , a request for an online commerce card application (user attempts to purchase products) ; downloading software code to the customer to assist in completing the card application ; submitting the application for the commerce card from the customer to the issuing authority ; supplying a preliminary customer identifier to the customer ; submitting a request for a certificate from the issuing authority , the request including the preliminary customer identifier to identify the customer ; associating a customer account number with the customer ; and downloading a signed digital certificate from the issuing authority to the customer , the signed digital certificate comprising part of the commerce card . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (card registration) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (card registration) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5883810A CLAIM 7 . A method as recited in claim 1 , wherein prior to the step of issuing an electronic commerce card , the method comprises the following additional steps : initiating , from the customer , a request for the commerce card from an issuing authority ; and downloading software code to the customer to assist in a card registration (service providers, credit cards, service providers make purchases, service providers using credit cards) process . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6101482A Filed: 1997-09-15 Issued: 2000-08-08 Universal web shopping cart and method of on-line transaction processing (Original Assignee) International Business Machines Corp (Current Assignee) eBay Inc Michael F. DiAngelo, Valerie J. Fox |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site (Web server, web site) provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (Web server, web site) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6101482A CLAIM 14 . The method as described in claim 13 wherein the two distinct servers are web site (web site, different service) s and the computer network is the Internet . US6101482A CLAIM 22 . A computer program product in a computer-readable medium for use in a computer to facilitate on-line purchase of products and services in a computer network having at least one Web client connectable to a plurality of Web server (web site, different service) , wherein the Web client includes a browser , the computer program product comprising : means for initiating from the client two or more independent transaction sessions , each of the independent transaction sessions established as a connection between the client and one of the plurality of servers is active ; means , operative during each independent transaction session , for collecting transaction information at the client to facilitate a purchase of products and services after the connection between the client and the server is closed and the transaction session is completed ; means for maintaining the transaction information persistent across multiple independent transaction sessions ; and means for using the information to effect a purchase of given products and services . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator (user verification) for the product purchase . |
US6101482A CLAIM 8 . The method as described in claim 1 further including the step of user verification (bridge operator) of passed non-standard , unknown data architectures . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (Web server, web site) and wherein the method further comprises using the bridge computer to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US6101482A CLAIM 14 . The method as described in claim 13 wherein the two distinct servers are web site (web site, different service) s and the computer network is the Internet . US6101482A CLAIM 22 . A computer program product in a computer-readable medium for use in a computer to facilitate on-line purchase of products and services in a computer network having at least one Web client connectable to a plurality of Web server (web site, different service) , wherein the Web client includes a browser , the computer program product comprising : means for initiating from the client two or more independent transaction sessions , each of the independent transaction sessions established as a connection between the client and one of the plurality of servers is active ; means , operative during each independent transaction session , for collecting transaction information at the client to facilitate a purchase of products and services after the connection between the client and the server is closed and the transaction session is completed ; means for maintaining the transaction information persistent across multiple independent transaction sessions ; and means for using the information to effect a purchase of given products and services . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (Web server, web site) provider . |
US6101482A CLAIM 14 . The method as described in claim 13 wherein the two distinct servers are web site (web site, different service) s and the computer network is the Internet . US6101482A CLAIM 22 . A computer program product in a computer-readable medium for use in a computer to facilitate on-line purchase of products and services in a computer network having at least one Web client connectable to a plurality of Web server (web site, different service) , wherein the Web client includes a browser , the computer program product comprising : means for initiating from the client two or more independent transaction sessions , each of the independent transaction sessions established as a connection between the client and one of the plurality of servers is active ; means , operative during each independent transaction session , for collecting transaction information at the client to facilitate a purchase of products and services after the connection between the client and the server is closed and the transaction session is completed ; means for maintaining the transaction information persistent across multiple independent transaction sessions ; and means for using the information to effect a purchase of given products and services . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (Web server, web site) provider . |
US6101482A CLAIM 14 . The method as described in claim 13 wherein the two distinct servers are web site (web site, different service) s and the computer network is the Internet . US6101482A CLAIM 22 . A computer program product in a computer-readable medium for use in a computer to facilitate on-line purchase of products and services in a computer network having at least one Web client connectable to a plurality of Web server (web site, different service) , wherein the Web client includes a browser , the computer program product comprising : means for initiating from the client two or more independent transaction sessions , each of the independent transaction sessions established as a connection between the client and one of the plurality of servers is active ; means , operative during each independent transaction session , for collecting transaction information at the client to facilitate a purchase of products and services after the connection between the client and the server is closed and the transaction session is completed ; means for maintaining the transaction information persistent across multiple independent transaction sessions ; and means for using the information to effect a purchase of given products and services . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (program product) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US6101482A CLAIM 22 . A computer program product (user attempts to purchase products) in a computer-readable medium for use in a computer to facilitate on-line purchase of products and services in a computer network having at least one Web client connectable to a plurality of Web server , wherein the Web client includes a browser , the computer program product comprising : means for initiating from the client two or more independent transaction sessions , each of the independent transaction sessions established as a connection between the client and one of the plurality of servers is active ; means , operative during each independent transaction session , for collecting transaction information at the client to facilitate a purchase of products and services after the connection between the client and the server is closed and the transaction session is completed ; means for maintaining the transaction information persistent across multiple independent transaction sessions ; and means for using the information to effect a purchase of given products and services . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (Web server, web site) on the vendor computer to offer the product for sale . |
US6101482A CLAIM 14 . The method as described in claim 13 wherein the two distinct servers are web site (web site, different service) s and the computer network is the Internet . US6101482A CLAIM 22 . A computer program product in a computer-readable medium for use in a computer to facilitate on-line purchase of products and services in a computer network having at least one Web client connectable to a plurality of Web server (web site, different service) , wherein the Web client includes a browser , the computer program product comprising : means for initiating from the client two or more independent transaction sessions , each of the independent transaction sessions established as a connection between the client and one of the plurality of servers is active ; means , operative during each independent transaction session , for collecting transaction information at the client to facilitate a purchase of products and services after the connection between the client and the server is closed and the transaction session is completed ; means for maintaining the transaction information persistent across multiple independent transaction sessions ; and means for using the information to effect a purchase of given products and services . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (Web server, web site) on the vendor computer to offer the product for sale . |
US6101482A CLAIM 14 . The method as described in claim 13 wherein the two distinct servers are web site (web site, different service) s and the computer network is the Internet . US6101482A CLAIM 22 . A computer program product in a computer-readable medium for use in a computer to facilitate on-line purchase of products and services in a computer network having at least one Web client connectable to a plurality of Web server (web site, different service) , wherein the Web client includes a browser , the computer program product comprising : means for initiating from the client two or more independent transaction sessions , each of the independent transaction sessions established as a connection between the client and one of the plurality of servers is active ; means , operative during each independent transaction session , for collecting transaction information at the client to facilitate a purchase of products and services after the connection between the client and the server is closed and the transaction session is completed ; means for maintaining the transaction information persistent across multiple independent transaction sessions ; and means for using the information to effect a purchase of given products and services . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH1166182A Filed: 1997-08-26 Issued: 1999-03-09 情報料の課金処理方法及び課金代行システム (Original Assignee) N T T Data:Kk; Nippon Telegr & Teleph Corp <Ntt>; 日本電信電話株式会社; 株式会社エヌ・ティ・ティ・データ Tomikatsu Asanuma, Shigetoshi Masuda, Osamu Onodera, Katsumi Sakurai, 成利 増田, 修 小野寺, 勝己 桜井, 富勝 浅沼 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (課金処理) system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH1166182A CLAIM 1 【請求項１】 有料情報を提供する情報提供装置と公衆 通信回線を通じて前記有料情報を取得する利用者側の端 末装置との間にプロキシサーバを介在させ、前記プロキ シサーバにおいて前記端末装置が送出した情報要求に基 づき該当する情報提供装置を特定し、利用者が要求した 有料情報とその有料情報の当該利用者による利用に対し て課金すべき金額情報とを前記特定した情報提供装置よ り取得するとともに、前記取得した有料情報を前記端末 装置に送出する際に前記取得した金額情報に基づいて当 該利用者への課金額を決定し、決定した課金額を、請求 対象となる前記利用者の公衆通信回線使用額と統合する ことを特徴とする、情報料の課金処理 (electronic commerce, user ID) 方法。 JPH1166182A CLAIM 4 【請求項４】 有料情報を提供する情報提供装置と公衆 通信回線を通じて前記有料情報を取得する利用者側の端 末装置との間に論理的に介在するシステム (user device) であって、 前記端末装置が送出した情報要求に基づき該当する情報 提供装置を特定して利用者が要求した有料情報とその有 料情報の当該利用者による利用に対して課金すべき金額 情報とを前記特定した情報提供装置より取得する代理取 得手段、 取得した有料情報を前記端末装置に送出するとともに前 記取得した金額情報に基づいて当該利用者への課金額を 決定する課金額決定手段、 前記決定した課金額を前記利用者の公衆通信回線使用額 と統合して請求処理を行う請求処理手段を有することを 特徴とする、情報料の課金代行システム。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH1166182A CLAIM 4 【請求項４】 有料情報を提供する情報提供装置と公衆 通信回線を通じて前記有料情報を取得する利用者側の端 末装置との間に論理的に介在するシステム (user device) であって、 前記端末装置が送出した情報要求に基づき該当する情報 提供装置を特定して利用者が要求した有料情報とその有 料情報の当該利用者による利用に対して課金すべき金額 情報とを前記特定した情報提供装置より取得する代理取 得手段、 取得した有料情報を前記端末装置に送出するとともに前 記取得した金額情報に基づいて当該利用者への課金額を 決定する課金額決定手段、 前記決定した課金額を前記利用者の公衆通信回線使用額 と統合して請求処理を行う請求処理手段を有することを 特徴とする、情報料の課金代行システム。 |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (課金処理) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
JPH1166182A CLAIM 1 【請求項１】 有料情報を提供する情報提供装置と公衆 通信回線を通じて前記有料情報を取得する利用者側の端 末装置との間にプロキシサーバを介在させ、前記プロキ シサーバにおいて前記端末装置が送出した情報要求に基 づき該当する情報提供装置を特定し、利用者が要求した 有料情報とその有料情報の当該利用者による利用に対し て課金すべき金額情報とを前記特定した情報提供装置よ り取得するとともに、前記取得した有料情報を前記端末 装置に送出する際に前記取得した金額情報に基づいて当 該利用者への課金額を決定し、決定した課金額を、請求 対象となる前記利用者の公衆通信回線使用額と統合する ことを特徴とする、情報料の課金処理 (electronic commerce, user ID) 方法。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH1166182A CLAIM 12 【請求項１２】 前記公衆通信回線がＴＣＰ／ＩＰプロ トコルに基づくネットワ (multiple service providers) ーク回線であることを特徴とす る請求項４または７記載の課金代行システム。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6012045A Filed: 1997-07-01 Issued: 2000-01-04 Computer-based electronic bid, auction and sale system, and a system to teach new/non-registered customers how bidding, auction purchasing works (Original Assignee) Barzilai; Nizan; Davidson; Ron Nizan Barzilai, Ron Davidson |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase (consumer products) at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (telecommunications system) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (electronic payment) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6012045A CLAIM 1 . A computer-based method of purchasing consumer products (product purchase) and consumer services via an electronic bid , auction and sale comprising the steps of : providing a computer system for the electronic bid , auction and sales of a plurality of consumer products and services , providing a plurality of customer computers operated by customers and providing access to said computer system by said plurality of computers with a telecommunications system (communications network) linking said computer system and said plurality of computers ; electronically establishing a virtual showroom on said computer system , said virtual showroom being accessible by said plurality of customer computers and including electronic displays of said plurality of consumer products and services which are offered for sale ; electronically displaying the following textual information for each one of said plurality of products and services : information regarding a commonly available selling price for each one of said plurality of products and services , a minimum opening bid price , information regarding the make , model and manufacturer or supplier of said plurality of products and services , and bid cycle data revealing when a bid period is open and when bids will be accepted for each one of said products and services ; electronically blocking customers from becoming bidders and posting bids until said customers have electronically pre-registered ; electronically posting all bids received for each one of said plurality of products and services during said bid period ; accepting the highest bid submitted for the sale of one of said plurality of products and services from all bids submitted by said bidders and excluding all bids greater than the lowest high bid from a group of bids submitted by a single bidder for said one of said plurality of products and services ; electronically consummating the sale of said one of said plurality of products and services to the highest bidder via electronic confirmation ; accepting an electronic payment (purchase price using funds) of funds from each bidder for each bid based upon the number of bids submitted by said bidder ; for customers who have not pre-registered , permitting said customer to place fictitious bids for one or more of said plurality of products and services , posting said fictitious bids , generating a plurality of computer generated fictitious bids responsive to the posted fictitious bids , fictitiously accepting the highest bid from all fictitious bids while excluding all fictitious bids greater than the lowest high fictitious bid from a group of fictitious bids submitted by said customer for said one or more of said plurality of products and services , and fictitiously assessing a charge for each fictitious bid submitted by said customer thereby teaching said customer how the bid and auction purchasing system works ; and , electronically posting all winning and accepted bids and documenting the sale of said plurality of products and services purchased by bidders . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (consumer products) . |
US6012045A CLAIM 1 . A computer-based method of purchasing consumer products (product purchase) and consumer services via an electronic bid , auction and sale comprising the steps of : providing a computer system for the electronic bid , auction and sales of a plurality of consumer products and services , providing a plurality of customer computers operated by customers and providing access to said computer system by said plurality of computers with a telecommunications system linking said computer system and said plurality of computers ; electronically establishing a virtual showroom on said computer system , said virtual showroom being accessible by said plurality of customer computers and including electronic displays of said plurality of consumer products and services which are offered for sale ; electronically displaying the following textual information for each one of said plurality of products and services : information regarding a commonly available selling price for each one of said plurality of products and services , a minimum opening bid price , information regarding the make , model and manufacturer or supplier of said plurality of products and services , and bid cycle data revealing when a bid period is open and when bids will be accepted for each one of said products and services ; electronically blocking customers from becoming bidders and posting bids until said customers have electronically pre-registered ; electronically posting all bids received for each one of said plurality of products and services during said bid period ; accepting the highest bid submitted for the sale of one of said plurality of products and services from all bids submitted by said bidders and excluding all bids greater than the lowest high bid from a group of bids submitted by a single bidder for said one of said plurality of products and services ; electronically consummating the sale of said one of said plurality of products and services to the highest bidder via electronic confirmation ; accepting an electronic payment of funds from each bidder for each bid based upon the number of bids submitted by said bidder ; for customers who have not pre-registered , permitting said customer to place fictitious bids for one or more of said plurality of products and services , posting said fictitious bids , generating a plurality of computer generated fictitious bids responsive to the posted fictitious bids , fictitiously accepting the highest bid from all fictitious bids while excluding all fictitious bids greater than the lowest high fictitious bid from a group of fictitious bids submitted by said customer for said one or more of said plurality of products and services , and fictitiously assessing a charge for each fictitious bid submitted by said customer thereby teaching said customer how the bid and auction purchasing system works ; and , electronically posting all winning and accepted bids and documenting the sale of said plurality of products and services purchased by bidders . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6029141A Filed: 1997-06-27 Issued: 2000-02-22 Internet-based customer referral system (Original Assignee) Amazon com Inc (Current Assignee) Amazon Technologies Inc Jeffrey P. Bezos, Sheldon J. Kaphan, Ellen L. Ratajak, Thomas K. Schonhoff |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (other items) from a given vendor having a web site (Web page) provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (respective item) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6029141A CLAIM 1 . A method of selling items with the assistance of associates , the method comprising : providing a Web site system that includes a browsable catalog of items and provides services for allowing customers to electronically purchase the items ; providing an associate enrollment system which allows users to electronically apply to operate as associates that select and recommend items from the catalog and refer customers to the Web site system in exchange for compensation ; in response to a submission to the enrollment system by a user , assigning an associate identifier to the user and recording the associate identifier within a computer memory ; electronically providing to the user instructions for generating hypertextual documents with item-specific links that , when selected by a customer , cause the user' ; s associate identifier and an identifier of a recommended item to be transmitted to the Web site system in a request message ; receiving a request message which contains an associate identifier and an item identifier and extracting the associate and item identifiers from the message , the request message generated by a computer of a customer in response to selection by the customer of an item-specific link provided by an associate in conjunction with a recommendation of the item ; transmitting to the customer' ; s computer a Web page (web site) which corresponds to the item identifier extracted from the request message ; transacting a sale of the item and/or other items (purchase price, purchase price using funds) of the catalog with the customer through the Web site system ; using the associate identifier extracted from the request message to identify the associate ; and determining and recording within a computer memory compensation for the associate for the sale . US6029141A CLAIM 15 . The method of claim 14 , wherein maintaining a record of the plurality of items comprises storing within the shopping cart data structure identifiers that correspond to the associate Web sites from which the respective item (s account) s were selected . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information (contains information) on which vendors are associated with which service providers . |
US6029141A CLAIM 7 . A method of selling items with the assistance of associates , the method comprising : providing a Web site system that includes a browsable catalog of items and provides services for allowing customers to electronically purchase the items ; providing a database which contains information (contains information) about a plurality of associates that select and recommend items from the catalog within respective areas of expertise , at least some of the associates operating associate Web sites that include item-specific links to the Web site system ; receiving from a computer of a customer a request message which contains an associate identifier and an item identifier and extracting the associate and item identifiers from the message , the request message generated in response to selection by the customer of a link of an associate Web site , the link provided in conjunction with a recommendation of the item by an associate ; transmitting to the customer' ; s computer a Web page which corresponds to the item identifier extracted from the request message ; transacting a sale of the item and/or other items of the catalog with the customer through the Web site system ; using the associate identifier extracted from the request message and the database to identify the associate ; and compensating the associate for the sale . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (Web page) and wherein the method further comprises using the bridge computer to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US6029141A CLAIM 1 . A method of selling items with the assistance of associates , the method comprising : providing a Web site system that includes a browsable catalog of items and provides services for allowing customers to electronically purchase the items ; providing an associate enrollment system which allows users to electronically apply to operate as associates that select and recommend items from the catalog and refer customers to the Web site system in exchange for compensation ; in response to a submission to the enrollment system by a user , assigning an associate identifier to the user and recording the associate identifier within a computer memory ; electronically providing to the user instructions for generating hypertextual documents with item-specific links that , when selected by a customer , cause the user' ; s associate identifier and an identifier of a recommended item to be transmitted to the Web site system in a request message ; receiving a request message which contains an associate identifier and an item identifier and extracting the associate and item identifiers from the message , the request message generated by a computer of a customer in response to selection by the customer of an item-specific link provided by an associate in conjunction with a recommendation of the item ; transmitting to the customer' ; s computer a Web page (web site) which corresponds to the item identifier extracted from the request message ; transacting a sale of the item and/or other items of the catalog with the customer through the Web site system ; using the associate identifier extracted from the request message to identify the associate ; and determining and recording within a computer memory compensation for the associate for the sale . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (selling items) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (selling items) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6029141A CLAIM 1 . A method of selling items (multiple service providers, service providers using credit cards) with the assistance of associates , the method comprising : providing a Web site system that includes a browsable catalog of items and provides services for allowing customers to electronically purchase the items ; providing an associate enrollment system which allows users to electronically apply to operate as associates that select and recommend items from the catalog and refer customers to the Web site system in exchange for compensation ; in response to a submission to the enrollment system by a user , assigning an associate identifier to the user and recording the associate identifier within a computer memory ; electronically providing to the user instructions for generating hypertextual documents with item-specific links that , when selected by a customer , cause the user' ; s associate identifier and an identifier of a recommended item to be transmitted to the Web site system in a request message ; receiving a request message which contains an associate identifier and an item identifier and extracting the associate and item identifiers from the message , the request message generated by a computer of a customer in response to selection by the customer of an item-specific link provided by an associate in conjunction with a recommendation of the item ; transmitting to the customer' ; s computer a Web page which corresponds to the item identifier extracted from the request message ; transacting a sale of the item and/or other items of the catalog with the customer through the Web site system ; using the associate identifier extracted from the request message to identify the associate ; and determining and recording within a computer memory compensation for the associate for the sale . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (Web page) on the vendor computer to offer the product for sale . |
US6029141A CLAIM 1 . A method of selling items with the assistance of associates , the method comprising : providing a Web site system that includes a browsable catalog of items and provides services for allowing customers to electronically purchase the items ; providing an associate enrollment system which allows users to electronically apply to operate as associates that select and recommend items from the catalog and refer customers to the Web site system in exchange for compensation ; in response to a submission to the enrollment system by a user , assigning an associate identifier to the user and recording the associate identifier within a computer memory ; electronically providing to the user instructions for generating hypertextual documents with item-specific links that , when selected by a customer , cause the user' ; s associate identifier and an identifier of a recommended item to be transmitted to the Web site system in a request message ; receiving a request message which contains an associate identifier and an item identifier and extracting the associate and item identifiers from the message , the request message generated by a computer of a customer in response to selection by the customer of an item-specific link provided by an associate in conjunction with a recommendation of the item ; transmitting to the customer' ; s computer a Web page (web site) which corresponds to the item identifier extracted from the request message ; transacting a sale of the item and/or other items of the catalog with the customer through the Web site system ; using the associate identifier extracted from the request message to identify the associate ; and determining and recording within a computer memory compensation for the associate for the sale . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (Web page) on the vendor computer to offer the product for sale . |
US6029141A CLAIM 1 . A method of selling items with the assistance of associates , the method comprising : providing a Web site system that includes a browsable catalog of items and provides services for allowing customers to electronically purchase the items ; providing an associate enrollment system which allows users to electronically apply to operate as associates that select and recommend items from the catalog and refer customers to the Web site system in exchange for compensation ; in response to a submission to the enrollment system by a user , assigning an associate identifier to the user and recording the associate identifier within a computer memory ; electronically providing to the user instructions for generating hypertextual documents with item-specific links that , when selected by a customer , cause the user' ; s associate identifier and an identifier of a recommended item to be transmitted to the Web site system in a request message ; receiving a request message which contains an associate identifier and an item identifier and extracting the associate and item identifiers from the message , the request message generated by a computer of a customer in response to selection by the customer of an item-specific link provided by an associate in conjunction with a recommendation of the item ; transmitting to the customer' ; s computer a Web page (web site) which corresponds to the item identifier extracted from the request message ; transacting a sale of the item and/or other items of the catalog with the customer through the Web site system ; using the associate identifier extracted from the request message to identify the associate ; and determining and recording within a computer memory compensation for the associate for the sale . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH1115927A Filed: 1997-06-24 Issued: 1999-01-22 IC card system (Original Assignee) Hitachi Ltd; Hitachi Video Ind Inf Syst Inc; 株式会社日立画像情報システム; 株式会社日立製作所 Tetsuji Inamitsu, Masayuki Inoue, Shigeyuki Ito, Kenji Matsumoto, Minoru Takami, Koichi Yoneda, 雅之 井上, 滋行 伊藤, 健司 松本, 哲治 稲光, 幸一 米田, 高見 穣 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system (performing, apparatus, plurality, データ) having a bridge computer to allow a user at a user device (performing, apparatus, plurality, データ) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer (application software) , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (controlling) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH1115927A CLAIM 1 【請求項１】 ＩＣカードと、このＩＣカードを読み書 きするためのＩＣカード読み書き手段と、通信回線網に 接続するための通信手段と、上記ＩＣカード読み書き手 段および上記通信手段を制御する制御手段と、上記通信 回線網に接続されているサーバーシステムとを含むシス テムにおいて、 上記ＩＣカードには、少なくとも特定の上記サーバーシ ステムのアクセス先情報が書き込まれており、上記制御 手段は、上記アクセス先情報にしたがって上記通信手段 を介して上記サーバーシステムに自動的にアクセスし、 上記サーバーシステムは、提供する情報により自動的に 決定される情報提供先、もしくは上記ＩＣカードに書き 込まれた情報提供先、もしくは利用者が指定した情報提 供先に、情報を提供することを特徴とするＩＣカードシ ステム。 1 . An IC card , an IC card read / write unit for reading / writing the IC card , a communication unit for connecting to a communication line network , and a control unit for controlling (s account) the IC card read / write unit and the communication unit . A server system connected to the communication line network , wherein at least access destination information of the specific server system is written in the IC card , and the control means stores the access destination information in the access destination information . Therefore , automatically accessing the server system via the communication means , The server system provides information to an information providing destination automatically determined by information to be provided , an information providing destination written on the IC card , or an information providing destination specified by a user . IC card system . JPH1115927A CLAIM 2 【請求項２】 ＩＣカードと、このＩＣカードを読み書 きするためのＩＣカード読み書き手段と、通信回線網に 接続するための通信手段と、上記ＩＣカード読み書き手 段および上記通信手段を制御する制御手段と、上記通信 回線網に接続されると共に複数のサーバーシステムを統 括管理するサーバ管理システムとを含むシステムにおい て、 上記ＩＣカードには、少なくとも特定の上記サーバ管理 システムのアクセス先情報が書き込まれており、上記制 御手段は、上記アクセス先情報にしたがって上記通信手 段を介して上記サーバ管理システムに自動的にアクセス し、上記サーバ管理システムは、上記制御手段を、利用 者の選択指定した、もしくは上記ＩＣカードに書き込ま れた上記サーバーシステムに接続し、上記サーバーシス テムは、提供する情報により自動的に決定される情報提 供先、もしくは上記ＩＣカードに書き込まれた情報提供 先、もしくは利用者が指定した情報提供先に、情報を提 供することを特徴とするＩＣカードシステム。 2 . An IC card , an IC card read / write unit for reading / writing the IC card , a communication unit for connecting to a communication network , and a control unit for controlling the IC card read / write unit and the communication unit . A server management system connected to the communication line network and integrally managing a plurality (user device, electronic commerce system) of server systems , wherein at least access destination information of the specific server management system is written in the IC card , The control means automatically accesses the server management system via the communication means in accordance with the access destination information , and the server management system selects or designates the control means by a user or the IC card . Connect to the server system written in the above , the server system provided IC card system characterized by that the information providing destination is automatically determined by the information , or information providing destination written in the IC card , or the information providing destination specified by the user , provides information . JPH1115927A CLAIM 7 【請求項７】 請求項５記載において、 前記ＩＣカード読み書き手段を制御するための前記制御 手段、もしくは、前記通信回線網に接続されている他の 機器に書き込まれている所定のアプリケーションソフト は、前記サーバシステムまたは前記サーバ管理システム にアクセスすることによって所定情報を受け取ること で、始めて完全に稼動可能な状態に遷移することを特徴 とするＩＣカードシステム。 7 . The apparatus (user device, electronic commerce system) according to claim 5 , wherein the control means for controlling the IC card read / write means , or predetermined application software (service provider computer) written in another device connected to the communication network , comprises : An IC card system characterized by receiving a predetermined information by accessing the server system or the server management system , and transitioning to a completely operable state for the first time . JPH1115927A CLAIM 8 【請求項８】 請求項１または２記載において、 前記ＩＣカードはプログラムおよびデータ (user device, electronic commerce system) を書き込める 構造であり、前記ＩＣカードは、前記サーバーシステム が提供する情報を取り込みそれを利用できることを特徴 とするＩＣカードシステム。 8 . The IC card according to claim 1 , wherein the IC card has a structure in which a program and data can be written , and the IC card can take in information provided by the server system and use it . system . JPH1115927A CLAIM 14 【請求項１４】 請求項１乃至１３の何れか１つに記載 において、 前記ＩＣカードには電子マネー情報が書き込まれてお り、前記サーバーシステムが提供する情報を取得する際 に、上記電子マネー情報による決済処理を行うようにし たことを特徴とするＩＣカードシステム。 14 . The electronic money information according to claim 1 , wherein electronic money information is written in the IC card , and the information provided by the server system is acquired . An IC card system characterized by performing (user device, electronic commerce system) a settlement process according to (1) . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (performing, apparatus, plurality, データ) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH1115927A CLAIM 2 【請求項２】 ＩＣカードと、このＩＣカードを読み書 きするためのＩＣカード読み書き手段と、通信回線網に 接続するための通信手段と、上記ＩＣカード読み書き手 段および上記通信手段を制御する制御手段と、上記通信 回線網に接続されると共に複数のサーバーシステムを統 括管理するサーバ管理システムとを含むシステムにおい て、 上記ＩＣカードには、少なくとも特定の上記サーバ管理 システムのアクセス先情報が書き込まれており、上記制 御手段は、上記アクセス先情報にしたがって上記通信手 段を介して上記サーバ管理システムに自動的にアクセス し、上記サーバ管理システムは、上記制御手段を、利用 者の選択指定した、もしくは上記ＩＣカードに書き込ま れた上記サーバーシステムに接続し、上記サーバーシス テムは、提供する情報により自動的に決定される情報提 供先、もしくは上記ＩＣカードに書き込まれた情報提供 先、もしくは利用者が指定した情報提供先に、情報を提 供することを特徴とするＩＣカードシステム。 2 . An IC card , an IC card read / write unit for reading / writing the IC card , a communication unit for connecting to a communication network , and a control unit for controlling the IC card read / write unit and the communication unit . A server management system connected to the communication line network and integrally managing a plurality (user device, electronic commerce system) of server systems , wherein at least access destination information of the specific server management system is written in the IC card , The control means automatically accesses the server management system via the communication means in accordance with the access destination information , and the server management system selects or designates the control means by a user or the IC card . Connect to the server system written in the above , the server system provided IC card system characterized by that the information providing destination is automatically determined by the information , or information providing destination written in the IC card , or the information providing destination specified by the user , provides information . JPH1115927A CLAIM 7 【請求項７】 請求項５記載において、 前記ＩＣカード読み書き手段を制御するための前記制御 手段、もしくは、前記通信回線網に接続されている他の 機器に書き込まれている所定のアプリケーションソフト は、前記サーバシステムまたは前記サーバ管理システム にアクセスすることによって所定情報を受け取ること で、始めて完全に稼動可能な状態に遷移することを特徴 とするＩＣカードシステム。 7 . The apparatus (user device, electronic commerce system) according to claim 5 , wherein the control means for controlling the IC card read / write means , or predetermined application software written in another device connected to the communication network , comprises : An IC card system characterized by receiving a predetermined information by accessing the server system or the server management system , and transitioning to a completely operable state for the first time . JPH1115927A CLAIM 8 【請求項８】 請求項１または２記載において、 前記ＩＣカードはプログラムおよびデータ (user device, electronic commerce system) を書き込める 構造であり、前記ＩＣカードは、前記サーバーシステム が提供する情報を取り込みそれを利用できることを特徴 とするＩＣカードシステム。 8 . The IC card according to claim 1 , wherein the IC card has a structure in which a program and data can be written , and the IC card can take in information provided by the server system and use it . system . JPH1115927A CLAIM 14 【請求項１４】 請求項１乃至１３の何れか１つに記載 において、 前記ＩＣカードには電子マネー情報が書き込まれてお り、前記サーバーシステムが提供する情報を取得する際 に、上記電子マネー情報による決済処理を行うようにし たことを特徴とするＩＣカードシステム。 14 . The electronic money information according to claim 1 , wherein electronic money information is written in the IC card , and the information provided by the server system is acquired . An IC card system characterized by performing (user device, electronic commerce system) a settlement process according to (1) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers (destination information) accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH1115927A CLAIM 1 【請求項１】 ＩＣカードと、このＩＣカードを読み書 きするためのＩＣカード読み書き手段と、通信回線網に 接続するための通信手段と、上記ＩＣカード読み書き手 段および上記通信手段を制御する制御手段と、上記通信 回線網に接続されているサーバーシステムとを含むシス テムにおいて、 上記ＩＣカードには、少なくとも特定の上記サーバーシ ステムのアクセス先情報が書き込まれており、上記制御 手段は、上記アクセス先情報にしたがって上記通信手段 を介して上記サーバーシステムに自動的にアクセスし、 上記サーバーシステムは、提供する情報により自動的に 決定される情報提供先、もしくは上記ＩＣカードに書き 込まれた情報提供先、もしくは利用者が指定した情報提 供先に、情報を提供することを特徴とするＩＣカードシ ステム。 1 . An IC card , an IC card read / write unit for reading / writing the IC card , a communication unit for connecting to a communication line network , and a control unit for controlling the IC card read / write unit and the communication unit . A server system connected to the communication line network , wherein at least access destination information (debits other service providers) of the specific server system is written in the IC card , and the control means stores the access destination information in the access destination information . Therefore , automatically accessing the server system via the communication means , The server system provides information to an information providing destination automatically determined by information to be provided , an information providing destination written on the IC card , or an information providing destination specified by a user . IC card system . JPH1115927A CLAIM 16 【請求項１６】 請求項１乃至１４の何れか１つに記載 において、 前記サーバーシステムは専用ネットワ (multiple service providers) ークシステム上に あり、前記通信手段はこの専用ネットワークに接続する 機能を備えたものであることを特徴とするＩＣカードシ ステム。 16 . The server according to claim 1 , wherein the server system is on a dedicated network system , and the communication unit has a function of connecting to the dedicated network . IC card system . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5987500A Filed: 1997-06-20 Issued: 1999-11-16 Value-added network system for enabling real-time, by-directional transactions on a network (Original Assignee) Pi Net International Inc (Current Assignee) ARUNACHALAM LAKSHMI DR Lakshmi Arunachalam |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (multiple transaction) from a given vendor having a web site provided by a vendor computer over a communications network (represents a) , wherein the vendor is associated with at least one of a plurality of service providers (service providers) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (providing security) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5987500A CLAIM 7 . The configurable value-added network switch as claimed in claim 1 wherein said value-added network service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) cooperating to provide said plurality of transactional services to users . US5987500A CLAIM 8 . The configurable value-added network switch as claimed in claim 1 further comprising means for controlling and prioritizing multiple transaction (purchase price) requests initiated by various users . US5987500A CLAIM 9 . The configurable value-added network switch as claimed in claim 1 further comprising means for providing security (different service, different service provider) management , fault management , configuration management , performance management and billing management . US5987500A CLAIM 19 . A method for enabling object routing on a network , said method for enabling object routing comprising the steps of : associating an object identity with information entries and attributes , wherein the object identity represents a (communications network) networked object ; storing said information entries and said attributes in a virtual information store ; and assigning a unique network address to said object identity . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (service providers) for credit card service charge fees paid by other service providers . |
US5987500A CLAIM 7 . The configurable value-added network switch as claimed in claim 1 wherein said value-added network service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) cooperating to provide said plurality of transactional services to users . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (service providers) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US5987500A CLAIM 7 . The configurable value-added network switch as claimed in claim 1 wherein said value-added network service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) cooperating to provide said plurality of transactional services to users . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator (service providers) for the product purchase . |
US5987500A CLAIM 7 . The configurable value-added network switch as claimed in claim 1 wherein said value-added network service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) cooperating to provide said plurality of transactional services to users . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (service providers) according to a predetermine schedule . |
US5987500A CLAIM 7 . The configurable value-added network switch as claimed in claim 1 wherein said value-added network service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) cooperating to provide said plurality of transactional services to users . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (service providers) . |
US5987500A CLAIM 7 . The configurable value-added network switch as claimed in claim 1 wherein said value-added network service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) cooperating to provide said plurality of transactional services to users . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (network system) from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (providing security) provider . |
US5987500A CLAIM 9 . The configurable value-added network switch as claimed in claim 1 further comprising means for providing security (different service, different service provider) management , fault management , configuration management , performance management and billing management . US5987500A CLAIM 35 . A configurable value-added network system (vendor ID) for enabling real-time transactions on a network , said configurable value-added network system comprising : means for switching to a transactional application in response to a user specification from a network application , said transactional application providing a user with a plurality of transactional services managed by at least one value-added network service provider , said value-added network service provider keeping a transaction flow captive , said plurality of transactional services being performed interactively and in real time ; means for activating an agent to create a transaction link between said user application and said transactional application ; means for transmitting a transaction request from said transactional application ; and a host means for processing said transaction request and retrieving data corresponding to said transaction request . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (network system) from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (providing security) provider . |
US5987500A CLAIM 9 . The configurable value-added network switch as claimed in claim 1 further comprising means for providing security (different service, different service provider) management , fault management , configuration management , performance management and billing management . US5987500A CLAIM 35 . A configurable value-added network system (vendor ID) for enabling real-time transactions on a network , said configurable value-added network system comprising : means for switching to a transactional application in response to a user specification from a network application , said transactional application providing a user with a plurality of transactional services managed by at least one value-added network service provider , said value-added network service provider keeping a transaction flow captive , said plurality of transactional services being performed interactively and in real time ; means for activating an agent to create a transaction link between said user application and said transactional application ; means for transmitting a transaction request from said transactional application ; and a host means for processing said transaction request and retrieving data corresponding to said transaction request . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (service providers) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5987500A CLAIM 7 . The configurable value-added network switch as claimed in claim 1 wherein said value-added network service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) cooperating to provide said plurality of transactional services to users . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5963647A Filed: 1997-06-17 Issued: 1999-10-05 Method and system for transferring funds from an account to an individual (Original Assignee) Citicorp Development Center Inc (Current Assignee) Citicorp Credit Services Inc USA John Downing, William M. Hernandez, William D. Hooper, Netty Meiroff, Jaithirth Rao, Rodman Reef, Howard A. Schechtman, Edward Horowitz |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (communications network) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5963647A CLAIM 43 . The system of claim 31 further comprising : a second network for a recipient to receive transferred funds , the second network including a second plurality of user terminals and a second front end processing system for processing electronic data received from the second plurality of terminals ; and a host communications network (communications network, bridge computer to maintain accounts) for exchanging electronic data between the first network and the second network . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (currency conversion) paid by other service providers . |
US5963647A CLAIM 46 . The system according to claim 43 , wherein the host communications network includes a system which provides data corresponding to a current currency conversion (credit card service charge fees) rate for calculating exchange rates between currency of a destination country and currency of the source account . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (transfer system) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US5963647A CLAIM 16 . A funds transfer system (user ID) including a source account and a network , the network including a plurality of user terminals , comprising : means for receiving at one from the plurality of user terminals a selection for transfer of funds to a recipient , the means for receiving including means for submitting transfer data , wherein the transfer of funds is conditioned upon receiving a request for funds and matching recipient data from one of the plurality of user terminals , the transfer data including at least a security code , an amount to be transferred , and an identification of the source account from which the transferred funds are to be debited , and the recipient data including at least a matching security code and identification information ; means for storing the transfer data as an entry in a transfer instruction file , the transfer instruction file being accessible by a processor ; means for receiving from one of the plurality of user terminals the request for transfer of funds , the request including received recipient data ; means for transmitting the request to the processor ; means for the processor checking the request , the means for checking including means for checking the transfer data and the received recipient data ; means for , upon confirmation , transmitting an instruction to the network to transfer funds ; means for transferring for receipt by the recipient funds in an amount not greater than the amount to be transferred ; and means for debiting the source account in an amount at least as great as the amount transferred . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (communications network) for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5963647A CLAIM 43 . The system of claim 31 further comprising : a second network for a recipient to receive transferred funds , the second network including a second plurality of user terminals and a second front end processing system for processing electronic data received from the second plurality of terminals ; and a host communications network (communications network, bridge computer to maintain accounts) for exchanging electronic data between the first network and the second network . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | CN1226979A Filed: 1997-06-05 Issued: 1999-08-25 信息提供器、终端和系统以及终端的记录媒体 (Original Assignee) 埃伊姆株式会社 板仓雄一郎, 筒井雄一朗, 藤田信之 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (系统相) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider (通信装, 网络从) computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
CN1226979A CLAIM 1．一种与万维网通信并具有浏览器的终端，其特征在于，包括：消息阅读器，它与专用网络通信；和通信装 (service provider) 置，所述浏览器通过所述通信装置与所述万维网通信，而所述消息阅读器用不同的逻辑链路与所述专用网络通信，其中所述浏览器包括用于从接到所述万维网的主机定购商品的装置，用于从所述万维网接收所述商品帐单的装置，以及用于将所述帐单发送给所述消息阅读器的装置，以及所述消息阅读器包括用于通过所述专用网络支付所述帐单的装置。 CN1226979A CLAIM 5．一种信息提供器，它具有网关和连接管理器，其中终端通过所述网关访问万维网，所述连接管理器通过所述网关管理通信，其特征在于，包括；消息管理器，它通过所述网关与所述终端独立通信，其中所述网关包括用于将通过终端输入的所述商品定单发送给与所述万维网相连的主机的装置；以及通过所述万维网将来自所述主机的所述商品的价格信息发送给所述终端的装置，以及所述消息管理器与能够通过专用线路付款的支付系统相 (user device) 连，并且所述消息管理器包括用于从所述终端接收所述价格信息的装置，以及通过所述专用线路请求所述支付系统支付由所述价格信息表示的金额的装置。 CN1226979A CLAIM 10．一种由访问万维网的终端用户用来支付通过所述万维网定购商品的货款的系统，其特征在于，所述系统包括：用户数据库，用于存储所述用户拥有的信用卡的信用卡号码和截止日期；接口，用于连接用信用卡进行付款的封闭网络；用专用网络与所述终端通信的装置，它在逻辑上与建立在所述万维网和所述终端之间的通信独立；通过所述专用网络从 (service provider) 所述终端接收表示支付请求、支付金额以及经营所述商品之商店的信息的装置；从所述用户数据库中读取所述信用卡号码和所述截止日期的装置；将表示所述支付金额以及经营所述商品的所述商店的所述信息以及所述信用卡号码和所述截止日期发送给所述专用网络的装置；和用于接收表示已验证了所述信用卡的信息的装置。 |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (一种记录) paid by other service providers . |
CN1226979A CLAIM 13．一种记录 (credit card service charge fees) 媒体，其存储的程序在连接公用网的终端的CPU上执行，其特征在于，所述程序包括：浏览器模块，用于使所述CPU与万维网通信；和消息阅读器模块，用于使所述CPU通过一逻辑线路与专用网络通信，所述逻辑线路独立于建立在所述浏览器模块和所述万维网之间的通信，其中所述浏览器模块包括使所述CPU将定货单交给与所述万维网相连的主机的装置；使所述CPU从所述万维网接收所述商品之帐单的装置；以及使所述CPU将所述帐单发送给所述消息阅读器的装置；和所述消息阅读器模块包括使所述CPU用所述专用网络支付所述商品的货款的装置。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (系统相) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
CN1226979A CLAIM 5．一种信息提供器，它具有网关和连接管理器，其中终端通过所述网关访问万维网，所述连接管理器通过所述网关管理通信，其特征在于，包括；消息管理器，它通过所述网关与所述终端独立通信，其中所述网关包括用于将通过终端输入的所述商品定单发送给与所述万维网相连的主机的装置；以及通过所述万维网将来自所述主机的所述商品的价格信息发送给所述终端的装置，以及所述消息管理器与能够通过专用线路付款的支付系统相 (user device) 连，并且所述消息管理器包括用于从所述终端接收所述价格信息的装置，以及通过所述专用线路请求所述支付系统支付由所述价格信息表示的金额的装置。 |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider (通信装, 网络从) with which the user has the account or at a different service provider . |
CN1226979A CLAIM 1．一种与万维网通信并具有浏览器的终端，其特征在于，包括：消息阅读器，它与专用网络通信；和通信装 (service provider) 置，所述浏览器通过所述通信装置与所述万维网通信，而所述消息阅读器用不同的逻辑链路与所述专用网络通信，其中所述浏览器包括用于从接到所述万维网的主机定购商品的装置，用于从所述万维网接收所述商品帐单的装置，以及用于将所述帐单发送给所述消息阅读器的装置，以及所述消息阅读器包括用于通过所述专用网络支付所述帐单的装置。 CN1226979A CLAIM 10．一种由访问万维网的终端用户用来支付通过所述万维网定购商品的货款的系统，其特征在于，所述系统包括：用户数据库，用于存储所述用户拥有的信用卡的信用卡号码和截止日期；接口，用于连接用信用卡进行付款的封闭网络；用专用网络与所述终端通信的装置，它在逻辑上与建立在所述万维网和所述终端之间的通信独立；通过所述专用网络从 (service provider) 所述终端接收表示支付请求、支付金额以及经营所述商品之商店的信息的装置；从所述用户数据库中读取所述信用卡号码和所述截止日期的装置；将表示所述支付金额以及经营所述商品的所述商店的所述信息以及所述信用卡号码和所述截止日期发送给所述专用网络的装置；和用于接收表示已验证了所述信用卡的信息的装置。 |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider (通信装, 网络从) at which the user has the account or at a different service provider . |
CN1226979A CLAIM 1．一种与万维网通信并具有浏览器的终端，其特征在于，包括：消息阅读器，它与专用网络通信；和通信装 (service provider) 置，所述浏览器通过所述通信装置与所述万维网通信，而所述消息阅读器用不同的逻辑链路与所述专用网络通信，其中所述浏览器包括用于从接到所述万维网的主机定购商品的装置，用于从所述万维网接收所述商品帐单的装置，以及用于将所述帐单发送给所述消息阅读器的装置，以及所述消息阅读器包括用于通过所述专用网络支付所述帐单的装置。 CN1226979A CLAIM 10．一种由访问万维网的终端用户用来支付通过所述万维网定购商品的货款的系统，其特征在于，所述系统包括：用户数据库，用于存储所述用户拥有的信用卡的信用卡号码和截止日期；接口，用于连接用信用卡进行付款的封闭网络；用专用网络与所述终端通信的装置，它在逻辑上与建立在所述万维网和所述终端之间的通信独立；通过所述专用网络从 (service provider) 所述终端接收表示支付请求、支付金额以及经营所述商品之商店的信息的装置；从所述用户数据库中读取所述信用卡号码和所述截止日期的装置；将表示所述支付金额以及经营所述商品的所述商店的所述信息以及所述信用卡号码和所述截止日期发送给所述专用网络的装置；和用于接收表示已验证了所述信用卡的信息的装置。 |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider (通信装, 网络从) account when that user attempts to purchase products from a vendor , wherein the new account is created with the service provider associated with that vendor . |
CN1226979A CLAIM 1．一种与万维网通信并具有浏览器的终端，其特征在于，包括：消息阅读器，它与专用网络通信；和通信装 (service provider) 置，所述浏览器通过所述通信装置与所述万维网通信，而所述消息阅读器用不同的逻辑链路与所述专用网络通信，其中所述浏览器包括用于从接到所述万维网的主机定购商品的装置，用于从所述万维网接收所述商品帐单的装置，以及用于将所述帐单发送给所述消息阅读器的装置，以及所述消息阅读器包括用于通过所述专用网络支付所述帐单的装置。 CN1226979A CLAIM 10．一种由访问万维网的终端用户用来支付通过所述万维网定购商品的货款的系统，其特征在于，所述系统包括：用户数据库，用于存储所述用户拥有的信用卡的信用卡号码和截止日期；接口，用于连接用信用卡进行付款的封闭网络；用专用网络与所述终端通信的装置，它在逻辑上与建立在所述万维网和所述终端之间的通信独立；通过所述专用网络从 (service provider) 所述终端接收表示支付请求、支付金额以及经营所述商品之商店的信息的装置；从所述用户数据库中读取所述信用卡号码和所述截止日期的装置；将表示所述支付金额以及经营所述商品的所述商店的所述信息以及所述信用卡号码和所述截止日期发送给所述专用网络的装置；和用于接收表示已验证了所述信用卡的信息的装置。 |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider (通信装, 网络从) accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
CN1226979A CLAIM 1．一种与万维网通信并具有浏览器的终端，其特征在于，包括：消息阅读器，它与专用网络通信；和通信装 (service provider) 置，所述浏览器通过所述通信装置与所述万维网通信，而所述消息阅读器用不同的逻辑链路与所述专用网络通信，其中所述浏览器包括用于从接到所述万维网的主机定购商品的装置，用于从所述万维网接收所述商品帐单的装置，以及用于将所述帐单发送给所述消息阅读器的装置，以及所述消息阅读器包括用于通过所述专用网络支付所述帐单的装置。 CN1226979A CLAIM 10．一种由访问万维网的终端用户用来支付通过所述万维网定购商品的货款的系统，其特征在于，所述系统包括：用户数据库，用于存储所述用户拥有的信用卡的信用卡号码和截止日期；接口，用于连接用信用卡进行付款的封闭网络；用专用网络与所述终端通信的装置，它在逻辑上与建立在所述万维网和所述终端之间的通信独立；通过所述专用网络从 (service provider) 所述终端接收表示支付请求、支付金额以及经营所述商品之商店的信息的装置；从所述用户数据库中读取所述信用卡号码和所述截止日期的装置；将表示所述支付金额以及经营所述商品的所述商店的所述信息以及所述信用卡号码和所述截止日期发送给所述专用网络的装置；和用于接收表示已验证了所述信用卡的信息的装置。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6012048A Filed: 1997-05-30 Issued: 2000-01-04 Automated banking system for dispensing money orders, wire transfer and bill payment (Original Assignee) Capital Security Systems Inc (Current Assignee) Capital Security Systems Inc Robin Haley Gustin, Troy W. Livingston, Namsoo Park |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6012048A CLAIM 1 . An automated banking system for receiving payment from an authorized user and for wire transfer of funds to an authorized transferee' ; s account (s account) at a bank in a banking network , said system comprising : an automated machine having a card receiver for receiving a card which identifies the user as being authorized to use the card banking network ; an input device to enter the amount to be transferred to an authorized transferee including an input system to enter the routing information of a bank in which the authorized transferee has an account and the transferee' ; s account in the transferee' ; s bank ; a selective payment acceptor for accepting payment at the automated machine or a charge to the account of the user by the authorized user for the wire transfer ; a verifier to verify that the authorized transferee has the identified account in the banking network for receiving the wire transfer ; a communication system in the banking network operable after receiving a verification from said verifier for wire transfer directly through the banking network to the verified transferee' ; s account in the identified bank ; and a second automated machine remote from the first machine operable only after the authorized recipient inserts a card into the second automated machine to identify the second user as an authorized user , and operable by the authorized user to obtain partial or full payment from the wire transfer to the user' ; s authorized account in the banking system . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (credit card, smart card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6012048A CLAIM 4 . An automated banking system in accordance with claim 3 wherein the payment acceptor comprises a credit card (credit cards, service providers using credit cards) reader which reads the credit card and performs a charge transaction over a credit card network for an amount related to the cash being wired . US6012048A CLAIM 5 . An automated banking system in accordance with claim 1 wherein : payment is made with a smart card (credit cards, service providers using credit cards) ; and a smart card reader and debit system reads the card to ascertain an amount on the card sufficient for payment of the cash being wired , and writes down the smart card by an amount related to the amount of cash being transferred by wire . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | WO9743727A1 Filed: 1997-05-15 Issued: 1997-11-20 Method and system for performing automated financial transactions involving foreign currencies (Original Assignee) Crossmar, Inc. Neil D. Potter, Bohdan Chomut, David M. Jacobs, Peter E. Rayner, Cynthia M. Anasson, Elizabeth J. Friedman |
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| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (financial institution) paid by other service providers . |
WO9743727A1 CLAIM 1 . A method for a user to perform financial transactions involving a plurality of currencies comprising the steps of : accessing a financial system affiliated with a financial institution (credit card service charge fees) using a terminal , wherein said terminal is a personal computer acting as a local client in a client-server architecture , and running in a Windows environment ; verifying that said access to said system is authorized ; identifying an account affiliated with said user to trade on ; inputting a first currency and a second currency to be used in said transaction ; inputting the desired characteristics of said transaction including a desired transaction amount ; determining automatically the terms to be offered by said financial institution to said user for said transaction including a rate of exchange between said two currencies ; inforrning said user of said offered transaction terms ; accepting said offered transaction terms ; and releasing automatically said accepted transaction terms for execution . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (sending information) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
WO9743727A1 CLAIM 6 . The method of claim 2 further including the step of sending information (user ID) specific about the user to said terminal |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts (financial transactions, payment sum) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial transactions, payment sum) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
WO9743727A1 CLAIM 1 . A method for a user to perform financial transactions (credit cards, service provider accounts) involving a plurality of currencies comprising the steps of : accessing a financial system affiliated with a financial institution using a terminal , wherein said terminal is a personal computer acting as a local client in a client-server architecture , and running in a Windows environment ; verifying that said access to said system is authorized ; identifying an account affiliated with said user to trade on ; inputting a first currency and a second currency to be used in said transaction ; inputting the desired characteristics of said transaction including a desired transaction amount ; determining automatically the terms to be offered by said financial institution to said user for said transaction including a rate of exchange between said two currencies ; inforrning said user of said offered transaction terms ; accepting said offered transaction terms ; and releasing automatically said accepted transaction terms for execution . WO9743727A1 CLAIM 61 . The method of claim 58 further including the step of storing said input of said second currency and said input of said desired characteristics as parts of a payment sum (credit cards, service provider accounts) mary screen . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5970474A Filed: 1997-04-24 Issued: 1999-10-19 Registry information system for shoppers (Original Assignee) Sears Roebuck and Co (Current Assignee) Sears Brands LLC Michael LeRoy, Paul Wasson, James Brabson, Ron Trainer |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer (retrieval device) to allow a user at a user device to make a product purchase at a purchase price (product information) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5970474A CLAIM 1 . A product information (purchase price) system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer (retrieval device) to reimburse service providers for credit card service charge fees paid by other service providers . |
US5970474A CLAIM 1 . A product information system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer (retrieval device) to collect a service charge for a bridge operator for the product purchase . |
US5970474A CLAIM 1 . A product information system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer (retrieval device) to settle accounts between service providers according to a predetermine schedule . |
US5970474A CLAIM 1 . A product information system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . US5970474A CLAIM 6 . The system of claim 5 wherein the input device comprises an optical scanner operable to detect bar code (bridge computer to settle accounts) s on said desired items , whereby the registrant scans the bar code of desired items to automatically transmit the selection data to the data processor via radio-frequency communication . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer (retrieval device) to maintain a database that contains information on which vendors are associated with which service providers . |
US5970474A CLAIM 1 . A product information system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer (retrieval device) to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5970474A CLAIM 1 . A product information system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer (retrieval device) to receive a vendor ID (network system) from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider . |
US5970474A CLAIM 1 . A product information system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . US5970474A CLAIM 18 . The system of claim 17 wherein the host computer is located remotely from the local area networks , and the interface between the host computer and the local area networks comprises a wide-area-network system (vendor ID) . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer (retrieval device) to receive a vendor ID (network system) from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US5970474A CLAIM 1 . A product information system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . US5970474A CLAIM 18 . The system of claim 17 wherein the host computer is located remotely from the local area networks , and the interface between the host computer and the local area networks comprises a wide-area-network system (vendor ID) . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer (retrieval device) to allow a user without an account to create a new service provider account when that user attempts to purchase products from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US5970474A CLAIM 1 . A product information system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer (retrieval device) to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5970474A CLAIM 1 . A product information system for selecting , monitoring and purchasing of products in a retail establishment , comprising : a local area network ; a handheld product selection device directly in communication with said local area network via wireless communication for identifying desired items selected by a registrant ; a host computer providing a registry database in communication with said local area network ; a data processor in communication with said local area network adapted to communicate with the product selection device via said local area network to thereby collect the desired items selected by the registrant and route said desired items to said registry database on said host computer ; a registry retrieval device (bridge computer) in communication with said local area network configured to retrieve updated registry data from the host computer in response to a request from a purchasing customer , said retrieval device having an output unit for displaying an updated list of items in the registry database ; a point-of-sale data input device in communication with said local area network for identifying desired items which have been purchased by a customer for routing to said host computer ; a registry input device in communication with said local area network for collecting general information from a registrant desiring to create said registry database ; and said host computer having a storage unit for maintaining the registry database and a data processor for processing selection and purchasing transactions , wherein desired items consecutively selected by the registrant are added to the registry database to create a registry list , and desired items purchased by the customer are associated with the registry database to create an updated list reflecting the purchase of said desired items . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH10207946A Filed: 1997-01-16 Issued: 1998-08-07 プリペイドメディアおよびこれを用いた決済システム (Original Assignee) Computer Consulting:Kk; 有限会社 コンピュータ・コンサルティング Toshiaki Kobayashi, 俊明 小林 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price (の購入) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH10207946A CLAIM 1 【請求項１】 商品もしくは加盟店を紹介する商品紹介 情報を格納するとともに、該商品紹介情報により紹介さ れた商品の中から選択された所望の商品の購入 (purchase price) 決済を通 信網を介して可能にすることを特徴とするプリペイドメ ディア。 JPH10207946A CLAIM 5 【請求項５】 商品もしくは加盟店を紹介する商品紹介 情報を格納するとともに、該商品紹介情報により紹介さ れた商品の中から選択された所望の商品の購入決済を行 う識別情報を格納したプリペイドメディアと、 前記プリペイドメディアの格納情報を解読するとともに 通信機能を有する情報処理機器と、 前記情報処理機器と通信網を介して通信することにより 前記プリペイドメディアの前記識別情報に基づき該プリ ペイドメディアの利用可能金額情報を一元管理する管理 手段とを具備することを特徴とするプリペイドメディア を用いた決済システム (user device) 。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH10207946A CLAIM 5 【請求項５】 商品もしくは加盟店を紹介する商品紹介 情報を格納するとともに、該商品紹介情報により紹介さ れた商品の中から選択された所望の商品の購入決済を行 う識別情報を格納したプリペイドメディアと、 前記プリペイドメディアの格納情報を解読するとともに 通信機能を有する情報処理機器と、 前記情報処理機器と通信網を介して通信することにより 前記プリペイドメディアの前記識別情報に基づき該プリ ペイドメディアの利用可能金額情報を一元管理する管理 手段とを具備することを特徴とするプリペイドメディア を用いた決済システム (user device) 。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5797127A Filed: 1996-12-31 Issued: 1998-08-18 Method, apparatus, and program for pricing, selling, and exercising options to purchase airline tickets (Original Assignee) Walker Asset Management LP (Current Assignee) Priceline com LLC Jay S. Walker, T. Scott Case, James A. Jorasch, Thomas M. Sparico |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (travel information, purchase price) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (one leg) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5797127A CLAIM 10 . The apparatus according to claim 5 , wherein said program in said memory program is adapted to calculate the option price based in part upon option pricing information that is satisfied by more than one flight on at least one leg (different service, different service provider) of customer' ; s trip . US5797127A CLAIM 18 . The method according to claim 13 , further comprising the steps of receiving a customer request to purchase the option , receiving tender of the purchase price (purchase price) from the customer , performing a transaction to sell the option to the customer , and storing information regarding said option . US5797127A CLAIM 25 . The method according to claim 23 , wherein said step of inquiring on a ticket price includes providing travel information (purchase price) including departure location criteria , destination location criteria and travel criteria . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (one leg) provider . |
US5797127A CLAIM 10 . The apparatus according to claim 5 , wherein said program in said memory program is adapted to calculate the option price based in part upon option pricing information that is satisfied by more than one flight on at least one leg (different service, different service provider) of customer' ; s trip . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (one leg) provider . |
US5797127A CLAIM 10 . The apparatus according to claim 5 , wherein said program in said memory program is adapted to calculate the option price based in part upon option pricing information that is satisfied by more than one flight on at least one leg (different service, different service provider) of customer' ; s trip . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5797127A CLAIM 2 . The apparatus according to claim 1 , wherein said program in said memory is adapted to receive a customer request input via said terminal to purchase the option and further adapted to perform a credit card (credit cards, service providers using credit cards) transaction to sell the option to the customer . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH09218903A Filed: 1996-12-14 Issued: 1997-08-19 Electronic transfer system and method (Original Assignee) Cybercash Inc; サイバーキャッシュ インコーポレイテッド Brian Paul Boesch, Stephen David Crocker, Donald Eggleston Eastlake Iii, Alden Sherburne Hart Jr, Robert A Lindenberg, Denise Marie Paredes, シャーバーン ハート ジュニア オールデン, ディビッド クロッカー スティーブン, マリー パレデス デニーズ, エッグルストン イーストレイク ザ サード ドナルド, ポール ボエシュ ブライアン, エイ リンデンバーグ ロバート |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (performing) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH09218903A CLAIM 3 【請求項３】 請求項２に記載の方法において、前記第 一及び第二のデータセットが、第一及び第二のキーをそ れぞれ含んでおり、前記サーバーが前記第一及び第二の パーティを前記第一及び第二のキーを用いて確認するこ とを特徴とする通信システムにおいて安全に通信を行う 方法。 3 . The method of claim 2 , wherein the first and second data sets include first and second keys , respectively , and the server includes the first and second parties . A method for performing (user device) secure communication in a communication system , characterized in that confirmation is performed using the first and second keys . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers with referral fees when users associated with those service providers make purchases (data sets) at vendors associated with other service providers . |
JPH09218903A CLAIM 3 【請求項３】 請求項２に記載の方法において、前記第 一及び第二のデータセットが、第一及び第二のキーをそ れぞれ含んでおり、前記サーバーが前記第一及び第二の パーティを前記第一及び第二のキーを用いて確認するこ とを特徴とする通信システムにおいて安全に通信を行う 方法。 3 . The method of claim 2 , wherein the first and second data sets (service providers make purchases) include first and second keys , respectively , and the server includes the first and second parties . A method for performing secure communication in a communication system , characterized in that confirmation is performed using the first and second keys . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (performing) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH09218903A CLAIM 3 【請求項３】 請求項２に記載の方法において、前記第 一及び第二のデータセットが、第一及び第二のキーをそ れぞれ含んでおり、前記サーバーが前記第一及び第二の パーティを前記第一及び第二のキーを用いて確認するこ とを特徴とする通信システムにおいて安全に通信を行う 方法。 3 . The method of claim 2 , wherein the first and second data sets include first and second keys , respectively , and the server includes the first and second parties . A method for performing (user device) secure communication in a communication system , characterized in that confirmation is performed using the first and second keys . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5721768A Filed: 1996-11-18 Issued: 1998-02-24 Pre-paid card system and method (Original Assignee) Call Processing Inc (Current Assignee) Call Processing Inc Charles J. Stimson, Brady S. Beshear |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (data terminal) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5721768A CLAIM 1 . A method to enable customers to obtain pre-paid calling card accounts from a plurality of point-of-sale locations and to use the pre-paid calling card accounts to access a telephone network using a telephone , the method comprising : transferring activation information associated with a particular pre-paid calling card account from a data terminal (electronic commerce) located at a particular one of the point of sale locations to a remote location having a database of pre-paid calling card accounts , the activation information being used to identify the particular pre-paid calling card account , the particular pre-paid calling card account being associated with a distributor of the particular pre-paid calling card account in order to track activation and distribution of the particular pre-paid calling card account ; activating the particular pre-paid calling card account in the database of prepaid calling card accounts in response to receipt of the activation information by associating an active call authorization amount with the particular pre-paid calling card account ; receiving access information transferred from a telephone to a call processor having access to the database of pre-paid calling card accounts , the call processor using the access information to identify the particular pre-paid calling card account and to establish a telephone call from the telephone to a desired number using the telephone network ; reducing the active call authorization amount associated with the particular pre-paid calling card account in correspondence with usage of the telephone network ; and terminating access to the telephone network when the active call authorization amount is exhausted . US5721768A CLAIM 3 . A system for distributing and managing prepaid calling card accounts used to access a telephone network using a telephone , the prepaid calling card accounts being activated at a point-of-sale location , the system comprising : a database of pre-paid calling card accounts located a location remote from the point-of-sale location ; a data terminal located at the point-of-sale location , the data terminal being used to transfer activation information associated with a particular pre-paid calling card account from the point-of-sale location to the remote location , the activation information being used to identify the particular pre-paid calling card' ; s account (s account) , the particular pre-paid calling card account being associated with a distributor of the particular pre-paid calling card account ; a processing unit coupled to the database of prepaid calling card accounts , the processing unit activating the particular pre-paid calling card account in the database of prepaid calling card accounts in response to receipt of the activation information by associating an active call authorization amount with the particular pre-paid calling card account ; and a call processor coupled to the database of pre-paid calling card accounts and to the telephone network , the call processor receiving , from a telephone , access information used to identify the particular pre-paid calling card account and to establish a telephone call from the telephone to a desired number using the telephone network , the call processor further reducing the active call authorization amount associated with the particular pre-paid calling card account in correspondence with usage of the telephone network . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers according to a predetermine schedule (particular point) . |
US5721768A CLAIM 5 . A method to enable customers to obtain pre-paid calling card accounts from a plurality of point-of-sale locations and to use the pre-paid calling card accounts to access a telephone network using a telephone , the method comprising : transferring activation information associated with one or more pre-paid calling card accounts from a data terminal located at a particular one of the point-of-sale locations to a remote location having a database of pre-paid calling card accounts , the activation information being used to identify the one or more pre-paid calling card accounts , the one or more pre-paid calling card accounts being associated with a distributor of the one or more pre-paid calling card accounts ; activating the one or more pre-paid calling card accounts in the database of prepaid calling card accounts in response to receipt of the activation information from the particular point (predetermine schedule, user attempts to purchase products) -of-sale location by associating active call authorization amounts with the one or more pre-paid calling card accounts ; receiving access information transferred from a telephone to a call processor having access to the database of pre-paid calling card accounts , the call processor using the access information to establish a particular one of the one or more pre-paid calling card accounts and to establish a telephone call from the telephone to a desired number using the telephone network ; reducing the active call authorization amount associated with the particular one of the one or more pre-paid calling card accounts in correspondence with usage of the telephone network . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (particular point) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US5721768A CLAIM 5 . A method to enable customers to obtain pre-paid calling card accounts from a plurality of point-of-sale locations and to use the pre-paid calling card accounts to access a telephone network using a telephone , the method comprising : transferring activation information associated with one or more pre-paid calling card accounts from a data terminal located at a particular one of the point-of-sale locations to a remote location having a database of pre-paid calling card accounts , the activation information being used to identify the one or more pre-paid calling card accounts , the one or more pre-paid calling card accounts being associated with a distributor of the one or more pre-paid calling card accounts ; activating the one or more pre-paid calling card accounts in the database of prepaid calling card accounts in response to receipt of the activation information from the particular point (predetermine schedule, user attempts to purchase products) -of-sale location by associating active call authorization amounts with the one or more pre-paid calling card accounts ; receiving access information transferred from a telephone to a call processor having access to the database of pre-paid calling card accounts , the call processor using the access information to establish a particular one of the one or more pre-paid calling card accounts and to establish a telephone call from the telephone to a desired number using the telephone network ; reducing the active call authorization amount associated with the particular one of the one or more pre-paid calling card accounts in correspondence with usage of the telephone network . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6070150A Filed: 1996-10-18 Issued: 2000-05-30 Electronic bill presentment and payment system (Original Assignee) Microsoft Corp (Current Assignee) Microsoft Technology Licensing LLC Darren B. Remington, Warren T. Dent |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (electronic payment, payment system) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (electronic payment, payment system) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6070150A CLAIM 1 . A method for electronically presenting and remitting payment of bills , comprising the following steps : generating a bill and associated payment remittance information at a biller , the payment remittance information being arranged within a data structure according to a format prescribed by the biller , the data structure having one or more open data fields to hold data that a consumer can enter or alter and one or more closed data fields to bold data that the consumer cannot alter , the remittance information further including hidden structured remittance data that is kept hidden from the consumer ; electronically transmitting the bill and associated payment remittance information to the consumer ; enabling the consumer to authorize electronic payment (purchase price using funds, purchase price) of the bill ; associating the electronic payment with the payment remittance information ; and transmitting the payment remittance information , including the structured remittance data , from the consumer back to the biller in the format prescribed by the biller . US6070150A CLAIM 12 . A method as recited in claim 1 , further comprising the step of submitting the payment instructions from the biller to an ACH payment system (purchase price using funds, purchase price) . US6070150A CLAIM 24 . A method as recited in claim 17 , further comprising the following steps : generating account clearing instructions at the intermediary ; and electronically transmitting the account clearing instructions to a bank handling the biller' ; s account (s account) . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6076068A Filed: 1996-09-12 Issued: 2000-06-13 Coupon delivery system (Original Assignee) Ad Response Micromarketing Corp (Current Assignee) Catalina Marketing Corp James P. DeLapa, James W. Willman |
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| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (storage device) paid by other service providers . |
US6076068A CLAIM 1 . A retail establishment discount coupon generating system , comprising : a targeting system which assigns coupons to individual households as a function of purchases by each household and generates extract file containing coupon offer definition for substantially all assigned coupons , wherein said coupon offer definition includes an offer description , texts , bar code data and a discount value ; a delivery system which processes the extract file from said targeting system into coupon offer data for particular household which is retrievable by a remote device and stores the coupon offer data for a plurality of households on a particular storage device (credit card service charge fees) ; and a kiosk positioned at an entry area of a retail establishment including at least a user identification device and an output device wherein said kiosk retrieves data from said delivery system coupon offer data for coupons assigned to the household identified with said identification device and outputs coupons assigned to identified household solely in response to identification of a user ; and wherein said delivery system includes an enhancement system which provides tools for enhancing the coupon offer data by designating particular coupon offers as one of a targeted coupon offer assigned to individual households as a function of purchases by that household and a mandatory coupon which is assigned to substantially all households . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (bar code) between service providers according to a predetermine schedule . |
US6076068A CLAIM 1 . A retail establishment discount coupon generating system , comprising : a targeting system which assigns coupons to individual households as a function of purchases by each household and generates extract file containing coupon offer definition for substantially all assigned coupons , wherein said coupon offer definition includes an offer description , texts , bar code (bridge computer to settle accounts) data and a discount value ; a delivery system which processes the extract file from said targeting system into coupon offer data for particular household which is retrievable by a remote device and stores the coupon offer data for a plurality of households on a particular storage device ; and a kiosk positioned at an entry area of a retail establishment including at least a user identification device and an output device wherein said kiosk retrieves data from said delivery system coupon offer data for coupons assigned to the household identified with said identification device and outputs coupons assigned to identified household solely in response to identification of a user ; and wherein said delivery system includes an enhancement system which provides tools for enhancing the coupon offer data by designating particular coupon offers as one of a targeted coupon offer assigned to individual households as a function of purchases by that household and a mandatory coupon which is assigned to substantially all households . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5794207A Filed: 1996-09-04 Issued: 1998-08-11 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers (Original Assignee) Walker Asset Management LP (Current Assignee) Priceline com LLC Jay S. Walker, Bruce Schneier, James A. Jorasch |
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| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (storage device) paid by other service providers . |
US5794207A CLAIM 12 . An apparatus for facilitating a transaction between a buyer and at least one of a plurality of sellers , comprising : a storage device (credit card service charge fees) ; and a processor connected to the storage device , the storage device storing a program for controlling the processor ; and the processor operative with the program to receive a conditional purchase offer which includes an offer price ; receive a payment identifier specifying a credit card account , the payment identifier being associated with the conditional purchase offer ; make the conditional purchase offer available to the plurality of sellers after receiving the payment identifier ; receive an acceptance from a seller , the acceptance being responsive to the conditional purchase offer ; and provide payment to the seller by using the payment identifier . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5794207A CLAIM 1 . A method for using a computer to facilitate a transaction between a buyer and at least one of sellers , comprising : inputting into the computer a conditional purchase offer which includes an offer price ; inputting into the computer a payment identifier specifying a credit card (credit cards, service providers using credit cards) account , the payment identifier being associated with the conditional purchase offer ; outputting the conditional purchase offer to the plurality of sellers after receiving the payment identifier ; inputting into the computer an acceptance from a seller , the acceptance being responsive to the conditional purchase offer ; and providing a payment to the seller by using the payment identifier . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH1055222A Filed: 1996-08-12 Issued: 1998-02-24 Print network charging management device and interface device (Original Assignee) Ricoh Co Ltd; 株式会社リコー Hiroshi Hiraki, Katayuki Osugi, 方之 大杉, 博史 平木 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system (apparatus, plurality) having a bridge computer to allow a user at a user device (apparatus, plurality) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH1055222A CLAIM 1 【請求項１】複数の端末装置およびプリンタ装置が連結 されたプリントネットワークに接続され、該端末装置か らのプリントデータをプリント出力する該プリンタ装置 の使用の程度に応じた課金情報を作成し管理する課金管 理装置であって、 端末装置を操作してプリントデータの出力を要求するユ ーザのユーザ情報および該ユーザが所属するグループの グループ情報を対応付けして登録し管理するグループユ ーザ管理部と、 プリントデータの出力に応じた課金情報を作成するとと もに該プリントデータと共に送られてきたユーザ情報の グループユーザ管理部により対応付けされているグルー プ情報毎に該課金情報を記憶し管理する課金管理部と、 を備えたことを特徴とするプリントネットワークの課金 管理装置。 An apparatus (electronic commerce system, user device) is connected to a print network in which a plurality (electronic commerce system, user device) of terminal devices and a printer device are connected , and creates and manages billing information according to the degree of use of the printer device that prints out print data from the terminal device . A group management unit for registering and managing user information of a user who requests output of print data by operating a terminal device and group information of a group to which the user belongs ; A billing management unit that creates billing information according to the output of the data and stores and manages the billing information for each group information associated with the group user management unit of the user information sent together with the print data ; A print network charging management device comprising : |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (apparatus, plurality) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH1055222A CLAIM 1 【請求項１】複数の端末装置およびプリンタ装置が連結 されたプリントネットワークに接続され、該端末装置か らのプリントデータをプリント出力する該プリンタ装置 の使用の程度に応じた課金情報を作成し管理する課金管 理装置であって、 端末装置を操作してプリントデータの出力を要求するユ ーザのユーザ情報および該ユーザが所属するグループの グループ情報を対応付けして登録し管理するグループユ ーザ管理部と、 プリントデータの出力に応じた課金情報を作成するとと もに該プリントデータと共に送られてきたユーザ情報の グループユーザ管理部により対応付けされているグルー プ情報毎に該課金情報を記憶し管理する課金管理部と、 を備えたことを特徴とするプリントネットワークの課金 管理装置。 An apparatus (electronic commerce system, user device) is connected to a print network in which a plurality (electronic commerce system, user device) of terminal devices and a printer device are connected , and creates and manages billing information according to the degree of use of the printer device that prints out print data from the terminal device . A group management unit for registering and managing user information of a user who requests output of print data by operating a terminal device and group information of a group to which the user belongs ; A billing management unit that creates billing information according to the output of the data and stores and manages the billing information for each group information associated with the group user management unit of the user information sent together with the print data ; A print network charging management device comprising : |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH1055222A CLAIM 1 【請求項１】複数の端末装置およびプリンタ装置が連結 されたプリントネットワ (multiple service providers) ークに接続され、該端末装置か らのプリントデータをプリント出力する該プリンタ装置 の使用の程度に応じた課金情報を作成し管理する課金管 理装置であって、 端末装置を操作してプリントデータの出力を要求するユ ーザのユーザ情報および該ユーザが所属するグループの グループ情報を対応付けして登録し管理するグループユ ーザ管理部と、 プリントデータの出力に応じた課金情報を作成するとと もに該プリントデータと共に送られてきたユーザ情報の グループユーザ管理部により対応付けされているグルー プ情報毎に該課金情報を記憶し管理する課金管理部と、 を備えたことを特徴とするプリントネットワークの課金 管理装置。 An apparatus is connected to a print network in which a plurality of terminal devices and a printer device are connected , and creates and manages billing information according to the degree of use of the printer device that prints out print data from the terminal device . A group management unit for registering and managing user information of a user who requests output of print data by operating a terminal device and group information of a group to which the user belongs ; A billing management unit that creates billing information according to the output of the data and stores and manages the billing information for each group information associated with the group user management unit of the user information sent together with the print data ; A print network charging management device comprising : |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5778178A Filed: 1996-08-05 Issued: 1998-07-07 Method and apparatus for enabling real-time bi-directional transactions on a network (Original Assignee) Arunachalam; Lakshmi (Current Assignee) ARUNACHALAM LAKSHMI DR Lakshmi Arunachalam |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site (Wide Web) provided by a vendor computer over a communications network (represents a) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5778178A CLAIM 1 . An object router on a World Wide Web (web site) , said object router comprising : means for associating an object identity with information entries and attributes , wherein the object identity represents a (communications network) networked object ; means for storing said information entries and said attributes in a virtual information store ; and means for assigning a unique network address to said object identity . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (Wide Web) and wherein the method further comprises using the bridge computer to provide the user at the user device with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5778178A CLAIM 1 . An object router on a World Wide Web (web site) , said object router comprising : means for associating an object identity with information entries and attributes , wherein the object identity represents a networked object ; means for storing said information entries and said attributes in a virtual information store ; and means for assigning a unique network address to said object identity . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (Wide Web) on the vendor computer to offer the product for sale . |
US5778178A CLAIM 1 . An object router on a World Wide Web (web site) , said object router comprising : means for associating an object identity with information entries and attributes , wherein the object identity represents a networked object ; means for storing said information entries and said attributes in a virtual information store ; and means for assigning a unique network address to said object identity . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (Wide Web) on the vendor computer to offer the product for sale . |
US5778178A CLAIM 1 . An object router on a World Wide Web (web site) , said object router comprising : means for associating an object identity with information entries and attributes , wherein the object identity represents a networked object ; means for storing said information entries and said attributes in a virtual information store ; and means for assigning a unique network address to said object identity . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | WO9704411A1 Filed: 1996-07-23 Issued: 1997-02-06 Customer-directed, automated system for transferring funds between accounts (Original Assignee) Citibank, N.A. Horton Jennings, Nigel Pinnell, Khanh Do, Virendrakumar Shah, Marjorie Profumo, John Downing, Neil Goodhand, Marion Maino, Michael H. Thompson |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (communications network) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
WO9704411A1 CLAIM 1 . A process or transferring funds through a communications network (communications network, bridge computer to maintain accounts) , comprising the steps of : receiving first data input with an input terminal and matching said first data with a record of a source account , the record being stored in a first host system and including an indication of a type of currency maintained in the source account ; receiving second data provided with the input terminal , the second data indicating a recipient account and verifying the validity of the recipient account ; receiving third data provided with the input terminal , the third data corresponding to a requested amount to be transferred from the source account to the destination account , the requested amount being input in a selected format corresponding to the type of currency maintained in one of the source account and the destination account ; calculating a total debit amount to be debited to the source account ; displaying the total debit amount in the selected format and requesting authorization to implement a requested transfer ; and subsequent to receiving authorization to implement the requested transfer , transmitted an electronic message authorizing a credit to the destination account by the requested amount ; and subsequent to receiving authorization to implement the requested transfer , debiting the source account by the total debit amount . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (financial institutions) paid by other service providers . |
WO9704411A1 CLAIM 8 . The process according to claim 7 , wherein the input terminal is an ATM that includes a card reader for reading encoded data corresponding at least in part to the first data , the encoded data including a number indicative of the financial institution issuing a card that is read by the card reader , wherein the currency of the source account is obtained by referencing said encoded data with a recorded table of financial institutions (credit card service charge fees, credit cards, service providers using credit cards) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (communications network) for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial institutions) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
WO9704411A1 CLAIM 1 . A process or transferring funds through a communications network (communications network, bridge computer to maintain accounts) , comprising the steps of : receiving first data input with an input terminal and matching said first data with a record of a source account , the record being stored in a first host system and including an indication of a type of currency maintained in the source account ; receiving second data provided with the input terminal , the second data indicating a recipient account and verifying the validity of the recipient account ; receiving third data provided with the input terminal , the third data corresponding to a requested amount to be transferred from the source account to the destination account , the requested amount being input in a selected format corresponding to the type of currency maintained in one of the source account and the destination account ; calculating a total debit amount to be debited to the source account ; displaying the total debit amount in the selected format and requesting authorization to implement a requested transfer ; and subsequent to receiving authorization to implement the requested transfer , transmitted an electronic message authorizing a credit to the destination account by the requested amount ; and subsequent to receiving authorization to implement the requested transfer , debiting the source account by the total debit amount . WO9704411A1 CLAIM 8 . The process according to claim 7 , wherein the input terminal is an ATM that includes a card reader for reading encoded data corresponding at least in part to the first data , the encoded data including a number indicative of the financial institution issuing a card that is read by the card reader , wherein the currency of the source account is obtained by referencing said encoded data with a recorded table of financial institutions (credit card service charge fees, credit cards, service providers using credit cards) . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5806045A Filed: 1996-07-08 Issued: 1998-09-08 Method and system for allocating and redeeming incentive credits between a portable device and a base device (Original Assignee) CardOne Dev Co (Current Assignee) LOYALTY CENTRAL Inc ; SCHIMATIC CASH TRANSACTIONS NETWORKCOM Inc James E. Biorge, Richard T. Hauge, Jerome Svigals |
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| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge (first provider) fees (financial institution) paid by other service providers . |
US5806045A CLAIM 1 . A method for allocating and redeeming incentive credits , said method comprising the steps of : coupling a customer-carried , portable storage device to a first base device , said storage device having an incentive credit total stored thereon , conducting an off-line transaction between a customer and a first provider (service charge) using said first base device to derive a first transaction amount ; deriving an incentive code for said first transaction amount ; processing said incentive code with a customer incentive code stored in said portable storage device and a program incentive code stored in a provider storage device , to derive an incentive rate ; applying said incentive rate to said first transaction amount to derive said incentive credit amount ; incrementing said incentive credit total stored on said storage device by said incentive credit amount to derive a new incentive credit total ; storing said new incentive credit total onto said storage device ; coupling said storage device to a second base device ; conducting a second off-line transaction between the customer and a second provider using said storage device and said second base device to derive a second transaction amount ; applying , by said second base device , at least a portion of said new incentive credit total to said second transaction to reduce said second transaction amount ; subtracting the portion of the new incentive credit total applied from said new incentive credit total to derive a reduced incentive credit total ; and storing said reduced incentive credit total onto said storage device . US5806045A CLAIM 21 . The system of claim 15 , wherein said portable device further comprises a customer processor coupled to said customer memory and wherein said first base device further comprises a communications interface , said customer processor determining , based on a set of authorization parameters stored in said customer memory , whether to authorize payment of said first transaction amount and , in response to a determination not to authorize payment , said customer processor communicating with a financial institution (credit card service charge fees) via said communications interface to obtain payment authorization therefrom . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge (first provider) for a bridge operator for the product purchase . |
US5806045A CLAIM 1 . A method for allocating and redeeming incentive credits , said method comprising the steps of : coupling a customer-carried , portable storage device to a first base device , said storage device having an incentive credit total stored thereon , conducting an off-line transaction between a customer and a first provider (service charge) using said first base device to derive a first transaction amount ; deriving an incentive code for said first transaction amount ; processing said incentive code with a customer incentive code stored in said portable storage device and a program incentive code stored in a provider storage device , to derive an incentive rate ; applying said incentive rate to said first transaction amount to derive said incentive credit amount ; incrementing said incentive credit total stored on said storage device by said incentive credit amount to derive a new incentive credit total ; storing said new incentive credit total onto said storage device ; coupling said storage device to a second base device ; conducting a second off-line transaction between the customer and a second provider using said storage device and said second base device to derive a second transaction amount ; applying , by said second base device , at least a portion of said new incentive credit total to said second transaction to reduce said second transaction amount ; subtracting the portion of the new incentive credit total applied from said new incentive credit total to derive a reduced incentive credit total ; and storing said reduced incentive credit total onto said storage device . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information (contains information, further contains) on which vendors are associated with which service providers . |
US5806045A CLAIM 25 . The system of claim 15 , wherein said portable device further comprises a customer processor coupled to said customer memory , wherein said customer memory further contains information (contains information) relating to past transactions conducted using said portable device , wherein said first base device further comprises a communications interface coupled to said first base processor , and wherein : said customer processor determines , based on the information relating to past transactions and information relating to said first transaction , whether an indication of fraudulent use of said portable device exists , and in response to a determination that said indication exists , said customer processor sending portable device identification information to said first base processor , said first base processor sending said portable device identification information to a control center via said communications interface to obtain from said control center a determination as to whether said portable device is being used fraudulently , and in response to a determination that said portable device is being used fraudulently , said first base processor sending a deactivation signal to said portable device . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | WO9636024A1 Filed: 1996-05-08 Issued: 1996-11-14 Electronic payment system having several calculation units, electronic payment means, as well as a method for electronic payment (Original Assignee) Koninklijke Ptt Nederland N.V. Peter Jacobus Nicolaas De Rooij, Frank Muller, Rafael Hirschfeld, Jean-Paul Boly |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase (different currencies, more payment) at a purchase price (electronic payment, payment system) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (electronic payment, payment system) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
WO9636024A1 CLAIM 1 . Payment system comprising electronic payment (purchase price using funds, purchase price) means (1) and one or more payment (product purchase, credit cards, user attempts to purchase products, service providers using credit cards) stations (2) , which payment stations are designed for receiving , during a payment transaction , a monetary value by crediting , in the payment station , a first balance with a first value , and debiting , in the payment means , a second balance with a second value corresponding to the first value , which balances represent numbers of calculation units , characterised in that the payment means (1) is arranged for converting calculation units in such a manner that the first and second values may be expressed in different calculation units . WO9636024A1 CLAIM 10 . Financial transaction , carried out with the help of a payment system (purchase price using funds, purchase price) according to any of the preceding claims . WO9636024A1 CLAIM 12 . Payment means according to claim 1 1 , designed for debiting , during a payment transaction , several balances held in different currencies (product purchase, credit cards, user attempts to purchase products, service providers using credit cards) . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (random number) paid by other service providers . |
WO9636024A1 CLAIM 19 . Method according to claim 18 , wherein the authenticity of the payment means (1) is verified with the help of a cryptographic operation on a random number (credit card service charge fees) generated by the payment station (2) . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (different currencies, more payment) . |
WO9636024A1 CLAIM 1 . Payment system comprising electronic payment means (1) and one or more payment (product purchase, credit cards, user attempts to purchase products, service providers using credit cards) stations (2) , which payment stations are designed for receiving , during a payment transaction , a monetary value by crediting , in the payment station , a first balance with a first value , and debiting , in the payment means , a second balance with a second value corresponding to the first value , which balances represent numbers of calculation units , characterised in that the payment means (1) is arranged for converting calculation units in such a manner that the first and second values may be expressed in different calculation units . WO9636024A1 CLAIM 12 . Payment means according to claim 1 1 , designed for debiting , during a payment transaction , several balances held in different currencies (product purchase, credit cards, user attempts to purchase products, service providers using credit cards) . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (different currencies, more payment) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
WO9636024A1 CLAIM 1 . Payment system comprising electronic payment means (1) and one or more payment (product purchase, credit cards, user attempts to purchase products, service providers using credit cards) stations (2) , which payment stations are designed for receiving , during a payment transaction , a monetary value by crediting , in the payment station , a first balance with a first value , and debiting , in the payment means , a second balance with a second value corresponding to the first value , which balances represent numbers of calculation units , characterised in that the payment means (1) is arranged for converting calculation units in such a manner that the first and second values may be expressed in different calculation units . WO9636024A1 CLAIM 12 . Payment means according to claim 1 1 , designed for debiting , during a payment transaction , several balances held in different currencies (product purchase, credit cards, user attempts to purchase products, service providers using credit cards) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (different currencies, more payment) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
WO9636024A1 CLAIM 1 . Payment system comprising electronic payment means (1) and one or more payment (product purchase, credit cards, user attempts to purchase products, service providers using credit cards) stations (2) , which payment stations are designed for receiving , during a payment transaction , a monetary value by crediting , in the payment station , a first balance with a first value , and debiting , in the payment means , a second balance with a second value corresponding to the first value , which balances represent numbers of calculation units , characterised in that the payment means (1) is arranged for converting calculation units in such a manner that the first and second values may be expressed in different calculation units . WO9636024A1 CLAIM 12 . Payment means according to claim 1 1 , designed for debiting , during a payment transaction , several balances held in different currencies (product purchase, credit cards, user attempts to purchase products, service providers using credit cards) . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH09305832A Filed: 1996-05-02 Issued: 1997-11-28 電子マネーカードホルダー (Original Assignee) Tatsuya Shimakawa; 達也 島川 Tatsuya Shimakawa, 達也 島川 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (カードホルダー) system having a bridge computer to allow a user at a user device (データ) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (読み取り) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer (読み取り) , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH09305832A CLAIM 1 【請求項１】 電子マネーカードを保持する携帯型のホ ルダーであって、電子マネーカードのデータ (user device) の読み取り (vendor computer, service provider computer) 装置、電波を受信する装置、計算機、キーボードおよび 表示装置により構成された電子マネーカードホルダー (electronic commerce) 。 |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (データ) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH09305832A CLAIM 1 【請求項１】 電子マネーカードを保持する携帯型のホ ルダーであって、電子マネーカードのデータ (user device) の読み取り 装置、電波を受信する装置、計算機、キーボードおよび 表示装置により構成された電子マネーカードホルダー。 |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (読み取り) to offer the product for sale . |
JPH09305832A CLAIM 1 【請求項１】 電子マネーカードを保持する携帯型のホ ルダーであって、電子マネーカードのデータの読み取り (vendor computer, service provider computer) 装置、電波を受信する装置、計算機、キーボードおよび 表示装置により構成された電子マネーカードホルダー。 |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (読み取り) to offer the product for sale . |
JPH09305832A CLAIM 1 【請求項１】 電子マネーカードを保持する携帯型のホ ルダーであって、電子マネーカードのデータの読み取り (vendor computer, service provider computer) 装置、電波を受信する装置、計算機、キーボードおよび 表示装置により構成された電子マネーカードホルダー。 |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | WO9634356A1 Filed: 1996-04-26 Issued: 1996-10-31 Consignment nodes (Original Assignee) Fleanet, Inc. Thomas G. Woolston |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price (sales price) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
WO9634356A1 CLAIM 1 . A system for presenting goods to an electronic market for goods comprising : a posting terminal , said posting terminal having an input device for receiving an image of a good , user interface software to create with a user a record of a good , and digital interface to transfer said record of a good ; a posting handler connected to said posting terminal via said digital interface , said posting handler processing a posting request from said posting terminal ; a database operably connected to said posting handler , said database (user device) storing information from said record of a good ; a database to presentation layer mapping module , said presentation layer mapping module communicating data from said database and translating said data to a presentation format ; and a transaction processor operably connected to said database server , said transaction processor clearing financial transactions and transferring legal title to said good in response to a participant purchase request . WO9634356A1 CLAIM 2 . The system of claim 1 wherein said posting terminal comprises : a computer ; a digital camera operably connected to said computer ; a modem operably connected to said computer , said computer receiving an image of a good from said digital camera , generating with said user a record of said goods , said record of said good having a sales price (purchase price, purchase price using funds) and a description of said good , and transferring said record of said good to said modem . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
WO9634356A1 CLAIM 1 . A system for presenting goods to an electronic market for goods comprising : a posting terminal , said posting terminal having an input device for receiving an image of a good , user interface software to create with a user a record of a good , and digital interface to transfer said record of a good ; a posting handler connected to said posting terminal via said digital interface , said posting handler processing a posting request from said posting terminal ; a database operably connected to said posting handler , said database (user device) storing information from said record of a good ; a database to presentation layer mapping module , said presentation layer mapping module communicating data from said database and translating said data to a presentation format ; and a transaction processor operably connected to said database server , said transaction processor clearing financial transactions and transferring legal title to said good in response to a participant purchase request . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (data record) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
WO9634356A1 CLAIM 6 . A method for establishing an electronic market place for goods through a central market maker computer and a network of posting terminals , said method comprising the steps of : creating a data record (user attempts to purchase products) of a good at said posting terminal , said record of said good conveying legal title to said good ; transferring said record of said good to a market maker computer , storing said record of said good from said step of transferring in a database at said market maker computer ; displaying said record of said good to a participant- clearing a financial payment from said participant for said good at said market maker computer ; and transferring legal title to said good at said market maker computer by changing ownership designated in said record of said good at said market maker computer . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial transactions) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
WO9634356A1 CLAIM 1 . A system for presenting goods to an electronic market for goods comprising : a posting terminal , said posting terminal having an input device for receiving an image of a good , user interface software to create with a user a record of a good , and digital interface to transfer said record of a good ; a posting handler connected to said posting terminal via said digital interface , said posting handler processing a posting request from said posting terminal ; a database operably connected to said posting handler , said database storing information from said record of a good ; a database to presentation layer mapping module , said presentation layer mapping module communicating data from said database and translating said data to a presentation format ; and a transaction processor operably connected to said database server , said transaction processor clearing financial transactions (credit cards) and transferring legal title to said good in response to a participant purchase request . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US6138107A Filed: 1996-01-04 Issued: 2000-10-24 Method and apparatus for providing electronic accounts over a public network (Original Assignee) Netscape Communications Corp (Current Assignee) Facebook Inc Taher Elgamal |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (product information) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US6138107A CLAIM 1 . A system for affecting a transfer of funds over a public network , comprising : an acquirer ; a gateway connected to said public network , said gateway comprising a plurality of individual accounts ; at least one individual account of said plurality of individual accounts comprising means for aggregating a first all or a portion of funds in said plurality of individual accounts until said aggregated funds are greater than or equal to a minimum acceptable transaction amount for said acquirer ; means within said gateway for supporting a plurality of authenticated transactions between holders of said plurality of individual accounts ; means within said gateway for transferring the first all or a portion of said aggregated funds between the individual account of said plurality of individual accounts and said acquirer ; means at said acquirer for defining said minimum acceptable transaction amount for said acquirer ; a first node on said public network , which first node purchases a second all or a portion of funds in said plurality of individual accounts from said gateway and which transfers all or a portion of said purchased funds ; a second node on said public network which receives at least all or a portion of said purchased funds from said first node ; means at said first node for transferring all or a portion of said purchased funds via said gateway ; means at said second node for transferring said received all or a portion of said purchased funds via said gateway ; at least one customer node ; and at least one merchant node comprising means for effecting at least one purchase transaction with said customer node ; means at said merchant node for transferring a plurality of purchase transactions for aggregation into an electronic money account at said gateway ; and an electronic payment (purchase price using funds) protocol for implementing said transactions as secure courier messages . US6138107A CLAIM 3 . The system of claim 4 , wherein said digital signature is generated in connection with a private key in a public key (purchase price using funds) cryptographic system . US6138107A CLAIM 16 . The system of claim 1 , further comprising : a merchant application comprising server means for said customers to obtain product information (purchase price) and pricing , said merchant application further comprising means for generating a transaction ID for a customer order to track said order until it has been authorized by said acquirer , wherein said transaction IDs are used only once . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (electronic money accounts, financial information) paid by other service providers . |
US6138107A CLAIM 20 . The system of claim 1 , further comprising : an acquirer application comprising means for receiving order amounts and transaction IDs with customer financial information (credit card service charge fees, credit cards, service providers using credit cards) and means for updating a current balance due to a merchant in both a merchant data base and an acquirer data base . US6138107A CLAIM 21 . The system of claim 1 , wherein said gateway aggregates funds for each of said first end second nodes in separate electronic money accounts (credit card service charge fees, credit cards, service providers using credit cards) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (electronic money accounts, financial information) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US6138107A CLAIM 20 . The system of claim 1 , further comprising : an acquirer application comprising means for receiving order amounts and transaction IDs with customer financial information (credit card service charge fees, credit cards, service providers using credit cards) and means for updating a current balance due to a merchant in both a merchant data base and an acquirer data base . US6138107A CLAIM 21 . The system of claim 1 , wherein said gateway aggregates funds for each of said first end second nodes in separate electronic money accounts (credit card service charge fees, credit cards, service providers using credit cards) . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH09167185A Filed: 1995-12-15 Issued: 1997-06-24 Online shopping system and payment method (Original Assignee) N K Kikaku:Kk; 株式会社エヌ．ケー企画 Shiyuuki Koreeda, 周樹 是枝 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (plurality) to make a product purchase at a purchase price (product information, の購入) from a given vendor having a web site (の発送) provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH09167185A CLAIM 1 【請求項１】 以下の要素を有するコンピュータネット ワークを用いたオンラインショッピングシステム （ａ）商品の情報を記憶し、ショッピングモール用ネッ トワークを介して商品のショッピングモールを提供する 販売店システム、（ｂ）上記ショッピングモール用ネッ トワークに接続され、 上記ショッピングモール用ネットワークに対して上記販 売店システムにより提供された上記ショッピングモール から、購入する商品を選択する商品選択部と、 選択した商品の情報を上記販売店システムからショッピ ングモール用ネットワークを介してダウンロードするダ ウンロード部と、 上記ショッピングモール用ネットワークとは異なる決済 用ネットワークを設定し、上記決済用ネットワークを用 いて選択した商品の情報と、その商品の代金決済の情報 と、その商品を選択したユーザの情報とを、第１のプロ トコルに基づいて伝送する伝送部とを備えたユーザシス テム、（ｃ）上記ユーザシステムから上記決済用ネット ワークを介して選択した商品の情報と、その商品の代金 決済の情報と、その商品を選択したユーザの情報とを受 信し、決済処理を行うサービスセンタ。 1 . An online shopping system using a computer network having the following elements : (a) a store system for storing product information (purchase price) and providing a shopping mall for the products via a shopping mall network ; (b) the above Connected to the shopping mall network , the product selection unit for selecting the product to be purchased from the shopping mall provided by the retail store system to the shopping mall network , and the information of the selected product are stored in the retail system . From the download section that downloads via the shopping mall network from , and set up a payment network that is different from the shopping mall network , information on the product selected using the payment network , and the payment of the product . Information and information of a user who has selected the product , the user system including a transmission unit that transmits based on the first protocol , (c) a product selected from the user system via the settlement network . The service center that receives the information of the item , the information of the payment of the product , and the information of the user who has selected the product , and performs the payment process . JPH09167185A CLAIM 4 【請求項４】 上記サービスセンタは、代金決済が認承 された商品の情報と、その商品を選択したユーザの情報 とを上記販売店システムに配信する配信部を備え、上記 販売店システムは、商品の情報とその商品を選択したユ ーザの情報とを受信し、商品の発送 (web site) 処理を行う発送処理 部を備えたことを特徴とする請求項１記載のオンライン ショッピングシステム。 4 . The service center includes a distribution unit that distributes information on a product for which payment has been approved and information on a user who has selected the product to the distributor system , and the distributor system is a product 2 . The online shopping system according to claim 1 , further comprising : a shipping processing unit that receives the information of the above and the information of the user who has selected the product and performs the shipping processing of the product . JPH09167185A CLAIM 6 【請求項６】 上記ダウンロード手段は、異なる複数の ショッピングモールから同一形式で商品の情報をダウン ロードし、 上記伝送部は、上記異なる複数のショッピングモールか らダウンロードした複数の商品に対する代金決済の情報 として１つのカード情報を伝送し、 上記サービスセンタは、複数の商品を１つのカード情報 で一括決済することを上記認承センタに要求することを 特徴とする請求項５記載のオンラインショッピングシス テム。 6 . The download means downloads product information from a plurality (user device) of different shopping malls in the same format , and the transmission unit sets 1 as payment settlement information for a plurality of products downloaded from the different shopping malls . 6 . The online shopping system according to claim 5 , wherein one card information is transmitted , and the service center requests the authorization center to collectively settle a plurality of products with one card information . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site (の発送) and wherein the method further comprises using the bridge computer to provide the user at the user device (plurality) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH09167185A CLAIM 4 【請求項４】 上記サービスセンタは、代金決済が認承 された商品の情報と、その商品を選択したユーザの情報 とを上記販売店システムに配信する配信部を備え、上記 販売店システムは、商品の情報とその商品を選択したユ ーザの情報とを受信し、商品の発送 (web site) 処理を行う発送処理 部を備えたことを特徴とする請求項１記載のオンライン ショッピングシステム。 4 . The service center includes a distribution unit that distributes information on a product for which payment has been approved and information on a user who has selected the product to the distributor system , and the distributor system is a product 2 . The online shopping system according to claim 1 , further comprising : a shipping processing unit that receives the information of the above and the information of the user who has selected the product and performs the shipping processing of the product . JPH09167185A CLAIM 6 【請求項６】 上記ダウンロード手段は、異なる複数の ショッピングモールから同一形式で商品の情報をダウン ロードし、 上記伝送部は、上記異なる複数のショッピングモールか らダウンロードした複数の商品に対する代金決済の情報 として１つのカード情報を伝送し、 上記サービスセンタは、複数の商品を１つのカード情報 で一括決済することを上記認承センタに要求することを 特徴とする請求項５記載のオンラインショッピングシス テム。 6 . The download means downloads product information from a plurality (user device) of different shopping malls in the same format , and the transmission unit sets 1 as payment settlement information for a plurality of products downloaded from the different shopping malls . 6 . The online shopping system according to claim 5 , wherein one card information is transmitted , and the service center requests the authorization center to collectively settle a plurality of products with one card information . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site (の発送) on the vendor computer to offer the product for sale . |
JPH09167185A CLAIM 4 【請求項４】 上記サービスセンタは、代金決済が認承 された商品の情報と、その商品を選択したユーザの情報 とを上記販売店システムに配信する配信部を備え、上記 販売店システムは、商品の情報とその商品を選択したユ ーザの情報とを受信し、商品の発送 (web site) 処理を行う発送処理 部を備えたことを特徴とする請求項１記載のオンライン ショッピングシステム。 4 . The service center includes a distribution unit that distributes information on a product for which payment has been approved and information on a user who has selected the product to the distributor system , and the distributor system is a product 2 . The online shopping system according to claim 1 , further comprising : a shipping processing unit that receives the information of the above and the information of the user who has selected the product and performs the shipping processing of the product . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site (の発送) on the vendor computer to offer the product for sale . |
JPH09167185A CLAIM 4 【請求項４】 上記サービスセンタは、代金決済が認承 された商品の情報と、その商品を選択したユーザの情報 とを上記販売店システムに配信する配信部を備え、上記 販売店システムは、商品の情報とその商品を選択したユ ーザの情報とを受信し、商品の発送 (web site) 処理を行う発送処理 部を備えたことを特徴とする請求項１記載のオンライン ショッピングシステム。 4 . The service center includes a distribution unit that distributes information on a product for which payment has been approved and information on a user who has selected the product to the distributor system , and the distributor system is a product 2 . The online shopping system according to claim 1 , further comprising : a shipping processing unit that receives the information of the above and the information of the user who has selected the product and performs the shipping processing of the product . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5724424A Filed: 1995-11-29 Issued: 1998-03-03 Digital active advertising (Original Assignee) Open Market Inc (Current Assignee) Soverain Ip LLC ; Open Market Inc ; Wilmington Trust NA David K. Gifford |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (transaction identifier) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (delivery address) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (debit card) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5724424A CLAIM 5 . A network sales system in accordance with claim 1 , wherein said demand deposit account comprises a debit card (credit card service charge fees, credit cards, purchase price using funds, service providers using credit cards) account . US5724424A CLAIM 8 . A network payment system in accordance with claim 6 , wherein said payment request comprises at least a partial delivery address (s account) , and wherein said payment computer is programmed to cause said delivery address to be checked against a database of allowed delivery addresses for said sender . US5724424A CLAIM 12 . A network payment system in accordance with claim 11 , wherein said client computer is programmed to generate a next expected transaction identifier (user account) for said sender and to use it to create said authenticator , and wherein said payment computer is programmed to generate said next expected transaction identifier for said sender and to verify that said authenticator was created using said next expected transaction identifier . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (debit card) paid by other service providers . |
US5724424A CLAIM 5 . A network sales system in accordance with claim 1 , wherein said demand deposit account comprises a debit card (credit card service charge fees, credit cards, purchase price using funds, service providers using credit cards) account . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (debit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5724424A CLAIM 5 . A network sales system in accordance with claim 1 , wherein said demand deposit account comprises a debit card (credit card service charge fees, credit cards, purchase price using funds, service providers using credit cards) account . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5774874A Filed: 1995-11-22 Issued: 1998-06-30 Multi-merchant gift registry (Original Assignee) Gift Certificate Center (Current Assignee) Gift Certificate Center William J. Veeneman, Barbara Thomas, Debra Remington |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (identifying information) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5774874A CLAIM 9 . A system for registering items selected by a registrant from a plurality of participating merchants for subsequent communication to a prospective purchaser , the system comprising : a gift registry kiosk disposed proximate the stores of a plurality of merchants in a shopping area , each of said merchants participating in the gift registry , the gift registry kiosk having a computer system containing identifying information (vendor computer) about a registrant , the information for each registrant including at least one name for the registrant and a list of potential gifts which the registrant has identified ; a portable input and storage device for use by the registrant with a plurality of participating merchants , the input and storage device being capable of receiving and storing information regarding the registrant' ; s desired gifts including the merchant each desired gift is from , wherein the input and storage device stores a unique identifier for the particular merchant each desired gift is from ; a transfer device connected to the computer system that receives the information regarding the registrant' ; s desired gifts from the portable input and storage device and transfers the information to the computer system ; and a prospective purchaser interface device that allows a prospective purchaser to view a list of the goods desired by the registrant wherein the list includes information about the particular merchant each gift is from . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (storage device) paid by other service providers . |
US5774874A CLAIM 9 . A system for registering items selected by a registrant from a plurality of participating merchants for subsequent communication to a prospective purchaser , the system comprising : a gift registry kiosk disposed proximate the stores of a plurality of merchants in a shopping area , each of said merchants participating in the gift registry , the gift registry kiosk having a computer system containing identifying information about a registrant , the information for each registrant including at least one name for the registrant and a list of potential gifts which the registrant has identified ; a portable input and storage device (credit card service charge fees) for use by the registrant with a plurality of participating merchants , the input and storage device being capable of receiving and storing information regarding the registrant' ; s desired gifts including the merchant each desired gift is from , wherein the input and storage device stores a unique identifier for the particular merchant each desired gift is from ; a transfer device connected to the computer system that receives the information regarding the registrant' ; s desired gifts from the portable input and storage device and transfers the information to the computer system ; and a prospective purchaser interface device that allows a prospective purchaser to view a list of the goods desired by the registrant wherein the list includes information about the particular merchant each gift is from . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (bar code) between service providers according to a predetermine schedule . |
US5774874A CLAIM 7 . The gift registry as in claim 6 wherein the unique identifier is in the form of a digitally encoded value embodied in a bar code (bridge computer to settle accounts) . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (identifying information) to offer the product for sale . |
US5774874A CLAIM 9 . A system for registering items selected by a registrant from a plurality of participating merchants for subsequent communication to a prospective purchaser , the system comprising : a gift registry kiosk disposed proximate the stores of a plurality of merchants in a shopping area , each of said merchants participating in the gift registry , the gift registry kiosk having a computer system containing identifying information (vendor computer) about a registrant , the information for each registrant including at least one name for the registrant and a list of potential gifts which the registrant has identified ; a portable input and storage device for use by the registrant with a plurality of participating merchants , the input and storage device being capable of receiving and storing information regarding the registrant' ; s desired gifts including the merchant each desired gift is from , wherein the input and storage device stores a unique identifier for the particular merchant each desired gift is from ; a transfer device connected to the computer system that receives the information regarding the registrant' ; s desired gifts from the portable input and storage device and transfers the information to the computer system ; and a prospective purchaser interface device that allows a prospective purchaser to view a list of the goods desired by the registrant wherein the list includes information about the particular merchant each gift is from . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (identifying information) to offer the product for sale . |
US5774874A CLAIM 9 . A system for registering items selected by a registrant from a plurality of participating merchants for subsequent communication to a prospective purchaser , the system comprising : a gift registry kiosk disposed proximate the stores of a plurality of merchants in a shopping area , each of said merchants participating in the gift registry , the gift registry kiosk having a computer system containing identifying information (vendor computer) about a registrant , the information for each registrant including at least one name for the registrant and a list of potential gifts which the registrant has identified ; a portable input and storage device for use by the registrant with a plurality of participating merchants , the input and storage device being capable of receiving and storing information regarding the registrant' ; s desired gifts including the merchant each desired gift is from , wherein the input and storage device stores a unique identifier for the particular merchant each desired gift is from ; a transfer device connected to the computer system that receives the information regarding the registrant' ; s desired gifts from the portable input and storage device and transfers the information to the computer system ; and a prospective purchaser interface device that allows a prospective purchaser to view a list of the goods desired by the registrant wherein the list includes information about the particular merchant each gift is from . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5671279A Filed: 1995-11-13 Issued: 1997-09-23 Electronic commerce using a secure courier system (Original Assignee) Netscape Communications Corp (Current Assignee) Facebook Inc Taher Elgamal |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (electronic commerce) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (product information) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (payment process) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5671279A CLAIM 1 . A system for implementing electronic commerce (electronic commerce, electronic commerce system) over a public network , comprising : a secure transport layer including a channel security mechanism comprising a keyed message digest computation , wherein said secure transport layer supports data privacy and integrity for communications between any two network nodes , such that two secure channels are provided , where there is one channel between a customer and a merchant and another channel between said merchant and an acquirer gateway such that said merchant and said acquirer are authenticated to each other and to said customer ; and a secure courier message for implementing an electronic payment (purchase price using funds) protocol that provides at least any of signature , non-repudiation , and secondary encryption terms wherein node-to-node authentication , privacy , and data integrity are automatically achieved by said secure transport layer . US5671279A CLAIM 16 . The system of claim 15 , wherein said customer application receives price and product information (purchase price) from said merchant and encrypts a transaction ID supplied from said merchant with a credit card number , where such information is made accessible to said acquirer only using an acquirer' ; s public-key , which is extracted from an acquirer digital certificate . US5671279A CLAIM 18 . The system of claim 15 , wherein said customer application generates signatures on payment messages using a public key (purchase price using funds) certificate . US5671279A CLAIM 35 . The transaction method of claim 30 , wherein a PI message is a signed message from said customer using a Slip having the form : Version , current date , expiration date (Validity Period) , Total Amount , Currency , Orderhash , MerAcqHash , Credit Card information (CardInfo) ; where : Order=Hash of an order description including any salt for minimizing attacks on said hash ; MerAcqhash=hash of a merchant ID , transaction ID , and other merchant or acquirer data specific to a merchant-acquirer pair and not needed by the customer other than for inclusion in a PI message ; CardInfo=(Personal account number (PAN , expiration date , other optional information that may be needed by a payment process (user account) or/acquirer . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator (shipping charges) for the product purchase . |
US5671279A CLAIM 33 . The transaction method of claim 30 , wherein an offer from a merchant to a customer comprises the form : SIGNM(Validity Period , Items , Payment Method , zip code or country (for shipping charges (bridge operator) computation) , Amount , Currency , Merchant ID (MID) , Acquirer' ; s certificate (CERTA) , and transaction ID (TxID)) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial information, card information, credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5671279A CLAIM 16 . The system of claim 15 , wherein said customer application receives price and product information from said merchant and encrypts a transaction ID supplied from said merchant with a credit card (credit cards, service providers using credit cards) number , where such information is made accessible to said acquirer only using an acquirer' ; s public-key , which is extracted from an acquirer digital certificate . US5671279A CLAIM 24 . The system of claim 1 , further comprising : an acquirer application for receiving order amounts and transaction ID with customer financial information (credit cards, service providers using credit cards) and for performing credit card authorizations . US5671279A CLAIM 29 . The system of claim 28 , wherein said transaction ID (TxID) is combined with credit card information (credit cards, service providers using credit cards) and encrypted in a PI message to ensure that each such message is different when the merchant uses a unique TxID for each transaction . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5757917A Filed: 1995-11-01 Issued: 1998-05-26 Computerized payment system for purchasing goods and services on the internet (Original Assignee) First Virtual Holdings Inc (Current Assignee) PayPal Inc Marshall T. Rose, Lee H. Stein, Nathaniel S. Borenstein, Carlyn M. Lowery, Darren New, Einar Stefferud |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (secure communication channels) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (public key cryptography) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5757917A CLAIM 1 . A method for enabling a seller and a buyer communicating over a quasi-public network to initiate a commercial transaction involving a payment of funds by the buyer to the seller , said method comprising the steps of : on a computer system coupled to said quasi-public network , receiving a message over the quasi-public network from the seller , the seller' ; s message identifying the buyer and a transaction ; from said computer system coupled to said network , sending a message over the quasi-public network to the identified buyer , said message to the buyer identifying the transaction ; on said computer system coupled to said quasi-public network , receiving a message over the quasi-public network from the identified buyer , said buyer' ; s message indicating acceptance or refusal of the transaction ; if the buyer' ; s message indicates approval of the transaction , from a secure part of said computer system , communicating to an agent of the seller via a secure communication channel information for permitting the buyer to pay for transaction ; on said secure part of said computer system , receiving an authorization code from the seller' ; s agent via said secure communication channels (vendor computer) ; and from said computer system coupled to said quasi-public network , sending a cryptographically-signed message including the authorization code to the seller via the quasi-public network . US5757917A CLAIM 3 . The method of claim 1 in which the cryptographically-signed message utilizes public key cryptography (different service, different service provider) . US5757917A CLAIM 12 . The method of claim 11 in which said database (user device) includes information regarding account holders who are qualified as sellers and account holders who are not qualified as sellers . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5757917A CLAIM 12 . The method of claim 11 in which said database (user device) includes information regarding account holders who are qualified as sellers and account holders who are not qualified as sellers . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (public key cryptography) provider . |
US5757917A CLAIM 3 . The method of claim 1 in which the cryptographically-signed message utilizes public key cryptography (different service, different service provider) . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (public key cryptography) provider . |
US5757917A CLAIM 3 . The method of claim 1 in which the cryptographically-signed message utilizes public key cryptography (different service, different service provider) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (card information) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5757917A CLAIM 19 . A method of operating a computer system coupled to a quasi-public network to enable a seller and a buyer communicating over said quasi-public network to enter into a commercial transaction involving a payment of funds by the buyer for goods or services of value provided by the seller to the buyer , said method comprising the steps of : on said computer system having a portion thereof that has access to the quasi-public network and a secure portion isolated from said quasi-public network , qualifying a first group of users of the quasi-public network as sellers ; maintaining bankcard payment information for a second group of users of the quasi-public network , said bankcard payment information maintained on a storage medium on said secure portion of said computer system ; maintaining listings of said first and second groups of users on a storage medium on said portion of said computer system that has access to the quasi-public network , but that is isolated from the secure portion of the computer system ; in response to a message over the quasi-public network to said portion of said computer system having access to the quasi-public network from a user of the first group identifying a potential transaction with a user of the second group , sending a message from said portion having access to the quasi-public network over the quasi-public network to the identified user of the second group for confirmation ; upon receipt of a message over the quasi-public network to said portion of said computer system having access to the quasi-public network from the user of the second group confirming the transaction with the user of the first group , communicating bankcard information (credit cards, service providers using credit cards) from said secure portion of said computer system over secure channels to an agent of the user of the first group ; upon receipt of an authorization code from the agent via secure channels , cryptographically signing the authorization code ; and sending the authorization code to the user of the first group via the quasi-public network . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (secure communication channels) to offer the product for sale . |
US5757917A CLAIM 1 . A method for enabling a seller and a buyer communicating over a quasi-public network to initiate a commercial transaction involving a payment of funds by the buyer to the seller , said method comprising the steps of : on a computer system coupled to said quasi-public network , receiving a message over the quasi-public network from the seller , the seller' ; s message identifying the buyer and a transaction ; from said computer system coupled to said network , sending a message over the quasi-public network to the identified buyer , said message to the buyer identifying the transaction ; on said computer system coupled to said quasi-public network , receiving a message over the quasi-public network from the identified buyer , said buyer' ; s message indicating acceptance or refusal of the transaction ; if the buyer' ; s message indicates approval of the transaction , from a secure part of said computer system , communicating to an agent of the seller via a secure communication channel information for permitting the buyer to pay for transaction ; on said secure part of said computer system , receiving an authorization code from the seller' ; s agent via said secure communication channels (vendor computer) ; and from said computer system coupled to said quasi-public network , sending a cryptographically-signed message including the authorization code to the seller via the quasi-public network . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (secure communication channels) to offer the product for sale . |
US5757917A CLAIM 1 . A method for enabling a seller and a buyer communicating over a quasi-public network to initiate a commercial transaction involving a payment of funds by the buyer to the seller , said method comprising the steps of : on a computer system coupled to said quasi-public network , receiving a message over the quasi-public network from the seller , the seller' ; s message identifying the buyer and a transaction ; from said computer system coupled to said network , sending a message over the quasi-public network to the identified buyer , said message to the buyer identifying the transaction ; on said computer system coupled to said quasi-public network , receiving a message over the quasi-public network from the identified buyer , said buyer' ; s message indicating acceptance or refusal of the transaction ; if the buyer' ; s message indicates approval of the transaction , from a secure part of said computer system , communicating to an agent of the seller via a secure communication channel information for permitting the buyer to pay for transaction ; on said secure part of said computer system , receiving an authorization code from the seller' ; s agent via said secure communication channels (vendor computer) ; and from said computer system coupled to said quasi-public network , sending a cryptographically-signed message including the authorization code to the seller via the quasi-public network . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH0973496A Filed: 1995-09-07 Issued: 1997-03-18 Electronic money transfer system, relay system, money transfer method (Original Assignee) N T T Data Tsushin Kk; エヌ・ティ・ティ・データ通信株式会社 Takahiro Ezaki, Katsumi Harikae, Tetsushi Nakahara, Kazuhiro Takahashi, Shinichi Umeda, 徹志 中原, 克美 張替, 進一 梅田, 孝弘 江崎, 一裕 高橋 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム, plurality) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH0973496A CLAIM 1 【請求項１】送金に不可欠な支払指図データと支払指図 データに関連する支払関連データとを送金元から受信 し、受信した各支払指図データと支払関連データを分離 すると共に各々識別情報を付与する分離手段と、 前記分離手段により分離された識別情報付きの支払関連 データを蓄積する手段と、 前記分離手段により分離された識別情報付きの支払指図 データを、所定の金融ネットワークを介して伝送し、前 記支払指図データにより指示される支払先の口座に入金 すると共に識別情報が付された入金通知データを出力す る送金手段と、 前記送金手段より識別情報が付された入金通知データを 受信し、前記蓄積手段から、該識別情報に対応する支払 関連データを読み出し、受信した入金通知データと読み 出した支払関連データとを、該当する送金先に通知する 結合手段と、 を備えることを特徴とする電子送金システム (user device) 。 1 . A payment instruction data essential for remittance and payment related data related to the payment instruction data are received from a remittance source , and the received payment instruction data and payment related data are separated and each is provided with identification information . Separation means , means for accumulating payment-related data with identification information separated by the separation means , payment instruction data with identification information separated by the separation means , transmitted via a predetermined financial network , Remittance means for depositing money into the account of the payee instructed by the payment instruction data and outputting deposit notification data with identification information , and receiving deposit notification data with identification information from the remittance means , The payment-related data corresponding to the identification information is read from the storage means , and the received payment notification data and the read payment-related data correspond to each other . Electronic funds transfer system characterized in that it comprises coupling means for notifying the gold destination , the . JPH0973496A CLAIM 2 【請求項２】前記電子送金システムは、 支払指図データと支払関連データとを入力し、通信回線 を介して前記分離手段に送信する入力手段と、前記結合 手段からの前記入金通知データと支払関連データとを受 信し、受信データを出力する出力手段とを備える複数の 端末を、 さらに備えることを特徴とする請求項１に記載の電子送 金システム。 2 . The electronic remittance system , input means for inputting payment instruction data and payment related data , and transmitting the data to the separating means via a communication line , the payment notification data from the combining means , and payment related data . The electronic money transfer system according to claim 1 , further comprising : a plurality (user device) of terminals including an output unit that receives data and output the received data . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers according to a predetermine schedule (combining means) . |
JPH0973496A CLAIM 2 【請求項２】前記電子送金システムは、 支払指図データと支払関連データとを入力し、通信回線 を介して前記分離手段に送信する入力手段と、前記結合 手段からの前記入金通知データと支払関連データとを受 信し、受信データを出力する出力手段とを備える複数の 端末を、 さらに備えることを特徴とする請求項１に記載の電子送 金システム。 2 . The electronic remittance system , input means for inputting payment instruction data and payment related data , and transmitting the data to the separating means via a communication line , the payment notification data from the combining means (predetermine schedule) , and payment related data . The electronic money transfer system according to claim 1 , further comprising : a plurality of terminals including an output unit that receives data and output the received data . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム, plurality) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH0973496A CLAIM 1 【請求項１】送金に不可欠な支払指図データと支払指図 データに関連する支払関連データとを送金元から受信 し、受信した各支払指図データと支払関連データを分離 すると共に各々識別情報を付与する分離手段と、 前記分離手段により分離された識別情報付きの支払関連 データを蓄積する手段と、 前記分離手段により分離された識別情報付きの支払指図 データを、所定の金融ネットワークを介して伝送し、前 記支払指図データにより指示される支払先の口座に入金 すると共に識別情報が付された入金通知データを出力す る送金手段と、 前記送金手段より識別情報が付された入金通知データを 受信し、前記蓄積手段から、該識別情報に対応する支払 関連データを読み出し、受信した入金通知データと読み 出した支払関連データとを、該当する送金先に通知する 結合手段と、 を備えることを特徴とする電子送金システム (user device) 。 1 . A payment instruction data essential for remittance and payment related data related to the payment instruction data are received from a remittance source , and the received payment instruction data and payment related data are separated and each is provided with identification information . Separation means , means for accumulating payment-related data with identification information separated by the separation means , payment instruction data with identification information separated by the separation means , transmitted via a predetermined financial network , Remittance means for depositing money into the account of the payee instructed by the payment instruction data and outputting deposit notification data with identification information , and receiving deposit notification data with identification information from the remittance means , The payment-related data corresponding to the identification information is read from the storage means , and the received payment notification data and the read payment-related data correspond to each other . Electronic funds transfer system characterized in that it comprises coupling means for notifying the gold destination , the . JPH0973496A CLAIM 2 【請求項２】前記電子送金システムは、 支払指図データと支払関連データとを入力し、通信回線 を介して前記分離手段に送信する入力手段と、前記結合 手段からの前記入金通知データと支払関連データとを受 信し、受信データを出力する出力手段とを備える複数の 端末を、 さらに備えることを特徴とする請求項１に記載の電子送 金システム。 2 . The electronic remittance system , input means for inputting payment instruction data and payment related data , and transmitting the data to the separating means via a communication line , the payment notification data from the combining means , and payment related data . The electronic money transfer system according to claim 1 , further comprising : a plurality (user device) of terminals including an output unit that receives data and output the received data . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products from a vendor , wherein the new account (情報データ) is created with the service provider associated with that vendor . |
JPH0973496A CLAIM 6 【請求項６】前記支払指図データは既存の金融ネットワ ークシステムを利用するために必要なデータを含み、 前記支払関連データは、既存の金融ネットワークシステ ムを利用して通信不能な関連情報データ (new account) から構成され る、 ことを特徴とする請求項５に記載の送金方法。 6 . The payment instruction data includes data necessary for using an existing financial network system , and the payment related data is composed of related information data that cannot be communicated using the existing financial network system . The remittance method according to claim 5 , wherein |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (金融機関) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH0973496A CLAIM 1 【請求項１】送金に不可欠な支払指図データと支払指図 データに関連する支払関連データとを送金元から受信 し、受信した各支払指図データと支払関連データを分離 すると共に各々識別情報を付与する分離手段と、 前記分離手段により分離された識別情報付きの支払関連 データを蓄積する手段と、 前記分離手段により分離された識別情報付きの支払指図 データを、所定の金融ネットワ (multiple service providers) ークを介して伝送し、前 記支払指図データにより指示される支払先の口座に入金 すると共に識別情報が付された入金通知データを出力す る送金手段と、 前記送金手段より識別情報が付された入金通知データを 受信し、前記蓄積手段から、該識別情報に対応する支払 関連データを読み出し、受信した入金通知データと読み 出した支払関連データとを、該当する送金先に通知する 結合手段と、 を備えることを特徴とする電子送金システム。 1 . A payment instruction data essential for remittance and payment related data related to the payment instruction data are received from a remittance source , and the received payment instruction data and payment related data are separated and each is provided with identification information . Separation means , means for accumulating payment-related data with identification information separated by the separation means , payment instruction data with identification information separated by the separation means , transmitted via a predetermined financial network , Remittance means for depositing money into the account of the payee instructed by the payment instruction data and outputting deposit notification data with identification information , and receiving deposit notification data with identification information from the remittance means , The payment-related data corresponding to the identification information is read from the storage means , and the received payment notification data and the read payment-related data correspond to each other . Electronic funds transfer system characterized in that it comprises coupling means for notifying the gold destination , the . JPH0973496A CLAIM 3 【請求項３】前記支払指図データは、振込依頼人名、送 金額、送金先金融機関 (credit cards) 、受取人口座番号、受取人名を含 み、 前記支払関連データは、１件の支払に関する全ての請求 書番号、請求金額、請求額と支払額との差異の説明、の 少なくとも１つを含む、 ことを特徴とする請求項１に記載の電子送金システム。 3 . The payment instruction data includes a transfer requester name , a remittance amount , a remittance destination financial institution , a payee account number , and a payee name , and the payment related data is all invoice numbers related to one payment , The electronic money transfer system according to claim 1 , further comprising at least one of a billed amount and a description of a difference between the billed amount and the paid amount . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5878141A Filed: 1995-08-25 Issued: 1999-03-02 Computerized purchasing system and method for mediating purchase transactions over an interactive network (Original Assignee) Microsoft Corp (Current Assignee) Microsoft Technology Licensing LLC Michael T. Daly, Thomas A. Grate |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (television programs, public key) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5878141A CLAIM 4 . An electronic purchase mediating system as recited in claim 1 wherein : the purchase request further includes a purchase amount ; the purchaser database includes account (s account) balances for corresponding ones of the personal payment methods for related purchasers ; and the processor evaluates whether the purchase amount contained in the purchase request exceeds an account balance of any available payment method in the common set . US5878141A CLAIM 19 . A purchasing system as recited in claim 6 wherein : the purchasing terminal and the transaction processing unit have associated digital certificates , each digital certificate including a unique public key (purchase price, purchase price using funds) and a signature from a certifying authority ; and a communication path within the communication network is secured by exchanging the digital certificates and encrypting communication using the public keys . US5878141A CLAIM 20 . An interactive television system for facilitating electronic purchases of goods and/or services , the interactive television system comprising : a centrally located head end server ; a plurality of set-top boxes located in subscribers homes for controlling content displayed on corresponding televisions and being operably connected to communicate with the head end server , individual set-top boxes being configured to operate in a program mode where the corresponding television displays selected television programs (purchase price, purchase price using funds) and in a sales mode where the corresponding television displays a user interface which facilitates purchases of goods and/or services from merchants , the individual set-top boxes having an input mechanism that permits a requesting subscriber to enter a purchase request to buy goods and/or services from a designated merchant ; a merchant subsystem provided at the head end server , the merchant subsystem including a database having a list of merchants correlated with associated sets of accepted payment methods , whereby an individual merchant is willing to accept any one of the accepted payment methods in that merchant' ; s associated set for sale of the goods and/or services ; a subscriber subsystem provided at the head end server , the subscriber subsystem including a database having a list of subscribers correlated with associated sets of personal payment methods , whereby an individual purchaser could use any one of the personal payment methods in that purchaser' ; s associated set to purchase the goods and/or services ; and a purchase mediator operable in response to the purchase request to determine an available payment method that is both accepted by the designated merchant and one of the requesting subscriber' ; s personal payment methods , the purchase mediator deriving the available payment method from the set of accepted payment methods in the merchant subsystem that is associated with the designated merchant and the set of personal payment methods in the subscriber subsystem that is associated with the requesting subscriber . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (wide area networks) between service providers according to a predetermine schedule . |
US5878141A CLAIM 18 . A purchasing system as recited in claim 6 wherein : the communication network is selected from a group comprising wide area networks (bridge computer to settle accounts) , interactive television networks , telephone networks , satellite networks , on-line networks , and the Internet network . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts (top boxes) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (smart card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5878141A CLAIM 13 . A purchasing system as recited in claim 6 further comprising : smart card (credit cards) s assigned to corresponding purchasers ; smart card readers located at ones of the purchase terminals ; the smart cards storing unique signing keys for creating digital signatures for the corresponding purchasers ; and the processor using a unique signing key to create a digital signature on behalf of the identified purchaser to authorize the purchase of the goods and/or services . US5878141A CLAIM 20 . An interactive television system for facilitating electronic purchases of goods and/or services , the interactive television system comprising : a centrally located head end server ; a plurality of set-top boxes (service provider accounts) located in subscribers homes for controlling content displayed on corresponding televisions and being operably connected to communicate with the head end server , individual set-top boxes being configured to operate in a program mode where the corresponding television displays selected television programs and in a sales mode where the corresponding television displays a user interface which facilitates purchases of goods and/or services from merchants , the individual set-top boxes having an input mechanism that permits a requesting subscriber to enter a purchase request to buy goods and/or services from a designated merchant ; a merchant subsystem provided at the head end server , the merchant subsystem including a database having a list of merchants correlated with associated sets of accepted payment methods , whereby an individual merchant is willing to accept any one of the accepted payment methods in that merchant' ; s associated set for sale of the goods and/or services ; a subscriber subsystem provided at the head end server , the subscriber subsystem including a database having a list of subscribers correlated with associated sets of personal payment methods , whereby an individual purchaser could use any one of the personal payment methods in that purchaser' ; s associated set to purchase the goods and/or services ; and a purchase mediator operable in response to the purchase request to determine an available payment method that is both accepted by the designated merchant and one of the requesting subscriber' ; s personal payment methods , the purchase mediator deriving the available payment method from the set of accepted payment methods in the merchant subsystem that is associated with the designated merchant and the set of personal payment methods in the subscriber subsystem that is associated with the requesting subscriber . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5513117A Filed: 1995-07-26 Issued: 1996-04-30 Apparatus and method for electronically dispensing personalized greeting cards and gifts (Original Assignee) Small; Maynard E. Maynard E. Small |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (card information, credit card, debit card) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5513117A CLAIM 1 . A method of creating and forwarding a combination personalized greeting card and electronically generated gift comprising the steps of : (a) remotely interconnecting a central terminal and a remotely located interactive terminal ; (b) displaying a menu of alphanumeric and/or graphic information on a monitor at the interactive terminal from which a customer at the interactive terminal can select data to be used to personalize said card ; (c) prompting the customer to select said card data and/or add personal information via a data input means at the interactive terminal to create personalized greeting card data for said card ; (d) displaying on said interactive terminal monitor a menu of gift categories accessible via prepaid long distance telephone access accounts and a plurality of gift values from which a customer can select a particular gift category at a selected value via said data input means ; (e) prompting the customer to select said gift category and said value via said data input means ; (f) creating , at said central terminal , a greeting card with said personalized greeting card data ; (g) associating with said greeting card information (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) concerning said selected telephone access account including a predetermined telephone number for accessing said prepaid long distance account and account authorizing data ; and (h) forwarding the card and the associated gift information to the customer or a recipient . US5513117A CLAIM 3 . A method as in claim 1 , and further including the step of prompting the customer to enter a credit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) or debit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) number as payment for said card and associated gift . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (card information, credit card, debit card) paid by other service providers . |
US5513117A CLAIM 1 . A method of creating and forwarding a combination personalized greeting card and electronically generated gift comprising the steps of : (a) remotely interconnecting a central terminal and a remotely located interactive terminal ; (b) displaying a menu of alphanumeric and/or graphic information on a monitor at the interactive terminal from which a customer at the interactive terminal can select data to be used to personalize said card ; (c) prompting the customer to select said card data and/or add personal information via a data input means at the interactive terminal to create personalized greeting card data for said card ; (d) displaying on said interactive terminal monitor a menu of gift categories accessible via prepaid long distance telephone access accounts and a plurality of gift values from which a customer can select a particular gift category at a selected value via said data input means ; (e) prompting the customer to select said gift category and said value via said data input means ; (f) creating , at said central terminal , a greeting card with said personalized greeting card data ; (g) associating with said greeting card information (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) concerning said selected telephone access account including a predetermined telephone number for accessing said prepaid long distance account and account authorizing data ; and (h) forwarding the card and the associated gift information to the customer or a recipient . US5513117A CLAIM 3 . A method as in claim 1 , and further including the step of prompting the customer to enter a credit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) or debit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) number as payment for said card and associated gift . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (card information, credit card, debit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5513117A CLAIM 1 . A method of creating and forwarding a combination personalized greeting card and electronically generated gift comprising the steps of : (a) remotely interconnecting a central terminal and a remotely located interactive terminal ; (b) displaying a menu of alphanumeric and/or graphic information on a monitor at the interactive terminal from which a customer at the interactive terminal can select data to be used to personalize said card ; (c) prompting the customer to select said card data and/or add personal information via a data input means at the interactive terminal to create personalized greeting card data for said card ; (d) displaying on said interactive terminal monitor a menu of gift categories accessible via prepaid long distance telephone access accounts and a plurality of gift values from which a customer can select a particular gift category at a selected value via said data input means ; (e) prompting the customer to select said gift category and said value via said data input means ; (f) creating , at said central terminal , a greeting card with said personalized greeting card data ; (g) associating with said greeting card information (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) concerning said selected telephone access account including a predetermined telephone number for accessing said prepaid long distance account and account authorizing data ; and (h) forwarding the card and the associated gift information to the customer or a recipient . US5513117A CLAIM 3 . A method as in claim 1 , and further including the step of prompting the customer to enter a credit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) or debit card (credit cards, service providers using credit cards, credit card service charge fees, purchase price using funds) number as payment for said card and associated gift . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5659165A Filed: 1995-07-24 Issued: 1997-08-19 Customer-directed, automated process for transferring funds between accounts via a communications network (Original Assignee) Citibank NA (Current Assignee) Citibank NA Horton Jennings, Nigel Pinnell, Khanh Do, Virendrakumar Shah, Marjorie Profumo, John Downing, Neil Goodhand, Marion Maino, Michael H. Thompson |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (communications network) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5659165A CLAIM 1 . A process for transferring funds through a communications network (communications network, bridge computer to maintain accounts) , comprising the steps of : receiving first data input with an input terminal and matching said first data with a record of a source account , the record being stored in a first host system and including an indication of a type of currency maintained in the source account ; receiving second data provided with the input terminal , the second data indicating a destination account and verifying the validity of the destination account ; receiving third data provided with the input terminal , the third data corresponding to a requested amount to be transferred from the source account to the destination account , the requested amount being input in a selected format corresponding to the type of currency maintained in one of the source account and the destination account ; calculating a total debit amount to be debited to the source account ; displaying the total debit amount in the selected format and requesting authorization to implement a requested transfer ; and subsequent to receiving authorization to implement the requested transfer , transmitted an electronic message authorizing a credit to the destination account by the requested amount ; and subsequent to receiving authorization to implement the requested transfer , debiting the source account by the total debit amount . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (financial institutions) paid by other service providers . |
US5659165A CLAIM 8 . The process according to claim 7 , wherein the input terminal is an ATM that includes a card reader for reading encoded data corresponding at least in part to the first data , the encoded data including a number indicative of the financial institution issuing a card that is read by the card reader , wherein the currency of the source account is obtained by referencing said encoded data with a recorded table of financial institutions (credit card service charge fees, credit cards, service providers using credit cards) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (communications network) for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial institutions) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5659165A CLAIM 1 . A process for transferring funds through a communications network (communications network, bridge computer to maintain accounts) , comprising the steps of : receiving first data input with an input terminal and matching said first data with a record of a source account , the record being stored in a first host system and including an indication of a type of currency maintained in the source account ; receiving second data provided with the input terminal , the second data indicating a destination account and verifying the validity of the destination account ; receiving third data provided with the input terminal , the third data corresponding to a requested amount to be transferred from the source account to the destination account , the requested amount being input in a selected format corresponding to the type of currency maintained in one of the source account and the destination account ; calculating a total debit amount to be debited to the source account ; displaying the total debit amount in the selected format and requesting authorization to implement a requested transfer ; and subsequent to receiving authorization to implement the requested transfer , transmitted an electronic message authorizing a credit to the destination account by the requested amount ; and subsequent to receiving authorization to implement the requested transfer , debiting the source account by the total debit amount . US5659165A CLAIM 8 . The process according to claim 7 , wherein the input terminal is an ATM that includes a card reader for reading encoded data corresponding at least in part to the first data , the encoded data including a number indicative of the financial institution issuing a card that is read by the card reader , wherein the currency of the source account is obtained by referencing said encoded data with a recorded table of financial institutions (credit card service charge fees, credit cards, service providers using credit cards) . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH0863532A Filed: 1995-06-30 Issued: 1996-03-08 Remote financial transaction system (Original Assignee) Tandem Comput Inc; タンデム・コンピューターズ・インコーポレイテッド W Dale Hopkins, ダブリュ・デイル・ホプキンス |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system (performing, apparatus) having a bridge computer to allow a user at a user device (performing, apparatus) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider (オフサイト) computer (オフサイト) , and wherein the user has a user account (television transmission) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH0863532A CLAIM 1 【請求項１】 少なくとも１つの支払い口座および少な くとも１つのパスワードを示すデータを格納するメモリ にアクセスし且つオフサイト (service provider computer, service provider) 処理システムと通信する支 払いモジュールを使用して、遠隔金融取引きを行う方法 であって、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して、前記メモリに格納されたデータに基 づき、支払い口座を特定する情報を提供することと、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して暗号化されたパスワードを提供するこ ととを具備する方法。 1 . A method of conducting a remote financial transaction using a payment module having access to a memory storing data indicative of at least one payment account and at least one password and communicating with an offsite processing system . Providing the off-site processing system with information identifying a payment account based on data stored in the memory using the payment module ; Providing the site processing system with an encrypted password . JPH0863532A CLAIM 13 【請求項１３】 前記支払い口座を特定する情報を提供 することが、ケーブルテレビ送信システムに対して支払 い口座を特定する情報を提供するステップを含む請求項 １に記載の方法。 13 . The method of claim 1 , wherein providing the payment account identifying information comprises providing the payment account identifying information to a cable television transmission (user account, user ID) system . JPH0863532A CLAIM 25 【請求項２５】 オフサイト処理システムと通信する遠 隔金融取引きを行うための装置であって、 前記オフサイト処理システムと通信することによって、 遠隔金融取引きを行う支払いモジュールと、 少なくとも１つの支払い口座と少なくとも１つのパスワ ードとを示すデータを格納するために、前記支払いモジ ュールによってアクセス可能なメモリとを具備する遠隔 金融取引を行うための装置。 25 . An apparatus (user device, electronic commerce system) for conducting a remote financial transaction in communication with an off-site processing system , the apparatus being in communication with the off-site processing system , Apparatus for conducting a remote financial transaction comprising a payment module for performing (user device, electronic commerce system) a remote financial transaction and a memory accessible by said payment module for storing data indicating at least one payment account and at least one password . . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (performing, apparatus) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH0863532A CLAIM 25 【請求項２５】 オフサイト処理システムと通信する遠 隔金融取引きを行うための装置であって、 前記オフサイト処理システムと通信することによって、 遠隔金融取引きを行う支払いモジュールと、 少なくとも１つの支払い口座と少なくとも１つのパスワ ードとを示すデータを格納するために、前記支払いモジ ュールによってアクセス可能なメモリとを具備する遠隔 金融取引を行うための装置。 25 . An apparatus (user device, electronic commerce system) for conducting a remote financial transaction in communication with an off-site processing system , the apparatus being in communication with the off-site processing system , Apparatus for conducting a remote financial transaction comprising a payment module for performing (user device, electronic commerce system) a remote financial transaction and a memory accessible by said payment module for storing data indicating at least one payment account and at least one password . . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider (オフサイト) with which the user has the account or at a different service provider . |
JPH0863532A CLAIM 1 【請求項１】 少なくとも１つの支払い口座および少な くとも１つのパスワードを示すデータを格納するメモリ にアクセスし且つオフサイト (service provider computer, service provider) 処理システムと通信する支 払いモジュールを使用して、遠隔金融取引きを行う方法 であって、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して、前記メモリに格納されたデータに基 づき、支払い口座を特定する情報を提供することと、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して暗号化されたパスワードを提供するこ ととを具備する方法。 1 . A method of conducting a remote financial transaction using a payment module having access to a memory storing data indicative of at least one payment account and at least one password and communicating with an offsite processing system . Providing the off-site processing system with information identifying a payment account based on data stored in the memory using the payment module ; Providing the site processing system with an encrypted password . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (television transmission) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider (オフサイト) at which the user has the account or at a different service provider . |
JPH0863532A CLAIM 1 【請求項１】 少なくとも１つの支払い口座および少な くとも１つのパスワードを示すデータを格納するメモリ にアクセスし且つオフサイト (service provider computer, service provider) 処理システムと通信する支 払いモジュールを使用して、遠隔金融取引きを行う方法 であって、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して、前記メモリに格納されたデータに基 づき、支払い口座を特定する情報を提供することと、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して暗号化されたパスワードを提供するこ ととを具備する方法。 1 . A method of conducting a remote financial transaction using a payment module having access to a memory storing data indicative of at least one payment account and at least one password and communicating with an offsite processing system . Providing the off-site processing system with information identifying a payment account based on data stored in the memory using the payment module ; Providing the site processing system with an encrypted password . JPH0863532A CLAIM 13 【請求項１３】 前記支払い口座を特定する情報を提供 することが、ケーブルテレビ送信システムに対して支払 い口座を特定する情報を提供するステップを含む請求項 １に記載の方法。 13 . The method of claim 1 , wherein providing the payment account identifying information comprises providing the payment account identifying information to a cable television transmission (user account, user ID) system . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider (オフサイト) account when that user attempts to purchase products from a vendor , wherein the new account is created with the service provider associated with that vendor . |
JPH0863532A CLAIM 1 【請求項１】 少なくとも１つの支払い口座および少な くとも１つのパスワードを示すデータを格納するメモリ にアクセスし且つオフサイト (service provider computer, service provider) 処理システムと通信する支 払いモジュールを使用して、遠隔金融取引きを行う方法 であって、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して、前記メモリに格納されたデータに基 づき、支払い口座を特定する情報を提供することと、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して暗号化されたパスワードを提供するこ ととを具備する方法。 1 . A method of conducting a remote financial transaction using a payment module having access to a memory storing data indicative of at least one payment account and at least one password and communicating with an offsite processing system . Providing the off-site processing system with information identifying a payment account based on data stored in the memory using the payment module ; Providing the site processing system with an encrypted password . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (ネットワ) , wherein the bridge computer credits some of the service provider (オフサイト) accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH0863532A CLAIM 1 【請求項１】 少なくとも１つの支払い口座および少な くとも１つのパスワードを示すデータを格納するメモリ にアクセスし且つオフサイト (service provider computer, service provider) 処理システムと通信する支 払いモジュールを使用して、遠隔金融取引きを行う方法 であって、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して、前記メモリに格納されたデータに基 づき、支払い口座を特定する情報を提供することと、 前記支払いモジュールを使用して、前記オフサイト処理 システムに対して暗号化されたパスワードを提供するこ ととを具備する方法。 1 . A method of conducting a remote financial transaction using a payment module having access to a memory storing data indicative of at least one payment account and at least one password and communicating with an offsite processing system . Providing the off-site processing system with information identifying a payment account based on data stored in the memory using the payment module ; Providing the site processing system with an encrypted password . JPH0863532A CLAIM 14 【請求項１４】 前記支払い口座を特定する情報を提供 することが、ATMネットワ (multiple service providers) ークに対して支払い口座を特 定する情報を提供するステップを含む請求項１に記載の 方法。 14 . The method of claim 1 , wherein providing the payment account identifying information comprises providing a payment account identifying information to an ATM network . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5754981A Filed: 1995-06-07 Issued: 1998-05-19 Gift registry apparatus and method (Original Assignee) Gift Certificate Center Inc (Current Assignee) Gift Certificate Center Inc William J. Veeneman, Phillip R. Brooks, Steven B. Poulter |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (identifying information) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5754981A CLAIM 14 . The method as in claim 13 , wherein the step of reviewing the information stored for a particular registrant comprises the steps : entering identifying information (vendor computer) about the desired registrant via the first data entry means by the prospective purchaser ; and viewing the information on the display system . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider . |
US5754981A CLAIM 1 . A self-service gift registry system comprising : a kiosk housing ; a computer system mounted inside the kiosk housing having a first data entry system through which information and inquiries about one of a plurality of registrants in the gift registry system are entered ; a database storage system operably connected to the computer system that stores and retrieves information about the plurality of registrants using a unique identification (vendor ID) code assigned by the computer system for each registrant , the information in the database storage system including at least one name for the registrant and coded information representative of potential gifts for that registrant ; a display system connected to the computer system and mounted in the kiosk housing that displays the information about a selected registrant ; a registrant operable portable data entry system for allowing the registrant to independently enter coded information for potential gift items into the portable data entry system ; and means for automatically transferring the coded information from the portable data entry system into the database storage system using the unique identification code . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US5754981A CLAIM 1 . A self-service gift registry system comprising : a kiosk housing ; a computer system mounted inside the kiosk housing having a first data entry system through which information and inquiries about one of a plurality of registrants in the gift registry system are entered ; a database storage system operably connected to the computer system that stores and retrieves information about the plurality of registrants using a unique identification (vendor ID) code assigned by the computer system for each registrant , the information in the database storage system including at least one name for the registrant and coded information representative of potential gifts for that registrant ; a display system connected to the computer system and mounted in the kiosk housing that displays the information about a selected registrant ; a registrant operable portable data entry system for allowing the registrant to independently enter coded information for potential gift items into the portable data entry system ; and means for automatically transferring the coded information from the portable data entry system into the database storage system using the unique identification code . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts (personal data) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5754981A CLAIM 10 . A method of operating a self-service gift registry system having a kiosk housing , computer system having a first data entry system mounted inside the kiosk , a database storage system operably connected to the computer system , a display system connected to the computer system , a registrant operable portable data entry system and means for automatically transferring the information from the data entry system to the data storage system , the method comprising the steps of : supplying a password for a particular registrant ; entering personal data (service provider accounts) about the registrant ; assigning a unique identification code for the particular registrant ; storing the unique identification code in the registrant operable portable data entry system ; using the registrant operable portable data entry system to identify coded information representative of a plurality of potential gift items ; and transferring the coded information representative of the potential gift items to the database storage system using the unique identification code that identifies the particular registrant . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (identifying information) to offer the product for sale . |
US5754981A CLAIM 14 . The method as in claim 13 , wherein the step of reviewing the information stored for a particular registrant comprises the steps : entering identifying information (vendor computer) about the desired registrant via the first data entry means by the prospective purchaser ; and viewing the information on the display system . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (identifying information) to offer the product for sale . |
US5754981A CLAIM 14 . The method as in claim 13 , wherein the step of reviewing the information stored for a particular registrant comprises the steps : entering identifying information (vendor computer) about the desired registrant via the first data entry means by the prospective purchaser ; and viewing the information on the display system . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH08315222A Filed: 1995-05-16 Issued: 1996-11-29 Vending machine prepaid system (Original Assignee) Mitsubishi Denki Service Center:Kk; 株式会社三菱電機サービスセンター Seiji Yokoyama, 清司 横山 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (自動販売機) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH08315222A CLAIM 1 【請求項１】 情報などのサービスを提供する提供者か らのサービスを利用者に電話回線を用いて提供し、電話 回線所有者が前記利用者からサービス利用料を代行して 回収するサービス料回収代行システム (user device) を利用した自動販 売機のプリペイドシステムであって、 電話回線に接続された自動販売機 (purchase price using funds) で商品を販売し、販売 された商品の代金に相当する度数を当該電話回線用のプ リペイドカードから差引き、電話回線所有者は、この商 品の代金を前記商品の販売者に払う自動販売機のプリペ イドシステム。 1 . A service charge collection in which a service provided by a provider who provides information and the like is provided to a user by using a telephone line , and the telephone line owner collects the service use fee from the user on behalf of the user . A prepaid system for a vending machine that uses an agent system , in which a product is sold by a vending machine connected to a telephone line , and the frequency equivalent to the price of the sold product is deducted from the prepaid card for the telephone line . By the way , the telephone line owner pays the price of this product to the seller of the product , which is a prepaid system of a vending machine . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge (service charge) fees paid by other service providers . |
JPH08315222A CLAIM 1 【請求項１】 情報などのサービスを提供する提供者か らのサービスを利用者に電話回線を用いて提供し、電話 回線所有者が前記利用者からサービス利用料を代行して 回収するサービス料回収代行システムを利用した自動販 売機のプリペイドシステムであって、 電話回線に接続された自動販売機で商品を販売し、販売 された商品の代金に相当する度数を当該電話回線用のプ リペイドカードから差引き、電話回線所有者は、この商 品の代金を前記商品の販売者に払う自動販売機のプリペ イドシステム。 1 . A service charge (service charge) collection in which a service provided by a provider who provides information and the like is provided to a user by using a telephone line , and the telephone line owner collects the service use fee from the user on behalf of the user . A prepaid system for a vending machine that uses an agent system , in which a product is sold by a vending machine connected to a telephone line , and the frequency equivalent to the price of the sold product is deducted from the prepaid card for the telephone line . By the way , the telephone line owner pays the price of this product to the seller of the product , which is a prepaid system of a vending machine . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge (service charge) for a bridge operator for the product purchase . |
JPH08315222A CLAIM 1 【請求項１】 情報などのサービスを提供する提供者か らのサービスを利用者に電話回線を用いて提供し、電話 回線所有者が前記利用者からサービス利用料を代行して 回収するサービス料回収代行システムを利用した自動販 売機のプリペイドシステムであって、 電話回線に接続された自動販売機で商品を販売し、販売 された商品の代金に相当する度数を当該電話回線用のプ リペイドカードから差引き、電話回線所有者は、この商 品の代金を前記商品の販売者に払う自動販売機のプリペ イドシステム。 1 . A service charge (service charge) collection in which a service provided by a provider who provides information and the like is provided to a user by using a telephone line , and the telephone line owner collects the service use fee from the user on behalf of the user . A prepaid system for a vending machine that uses an agent system , in which a product is sold by a vending machine connected to a telephone line , and the frequency equivalent to the price of the sold product is deducted from the prepaid card for the telephone line . By the way , the telephone line owner pays the price of this product to the seller of the product , which is a prepaid system of a vending machine . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH08315222A CLAIM 1 【請求項１】 情報などのサービスを提供する提供者か らのサービスを利用者に電話回線を用いて提供し、電話 回線所有者が前記利用者からサービス利用料を代行して 回収するサービス料回収代行システム (user device) を利用した自動販 売機のプリペイドシステムであって、 電話回線に接続された自動販売機で商品を販売し、販売 された商品の代金に相当する度数を当該電話回線用のプ リペイドカードから差引き、電話回線所有者は、この商 品の代金を前記商品の販売者に払う自動販売機のプリペ イドシステム。 1 . A service charge collection in which a service provided by a provider who provides information and the like is provided to a user by using a telephone line , and the telephone line owner collects the service use fee from the user on behalf of the user . A prepaid system for a vending machine that uses an agent system , in which a product is sold by a vending machine connected to a telephone line , and the frequency equivalent to the price of the sold product is deducted from the prepaid card for the telephone line . By the way , the telephone line owner pays the price of this product to the seller of the product , which is a prepaid system of a vending machine . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (カード) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH08315222A CLAIM 1 【請求項１】 情報などのサービスを提供する提供者か らのサービスを利用者に電話回線を用いて提供し、電話 回線所有者が前記利用者からサービス利用料を代行して 回収するサービス料回収代行システムを利用した自動販 売機のプリペイドシステムであって、 電話回線に接続された自動販売機で商品を販売し、販売 された商品の代金に相当する度数を当該電話回線用のプ リペイドカード (credit cards) から差引き、電話回線所有者は、この商 品の代金を前記商品の販売者に払う自動販売機のプリペ イドシステム。 1 . A service charge collection in which a service provided by a provider who provides information and the like is provided to a user by using a telephone line , and the telephone line owner collects the service use fee from the user on behalf of the user . A prepaid system for a vending machine that uses an agent system , in which a product is sold by a vending machine connected to a telephone line , and the frequency equivalent to the price of the sold product is deducted from the prepaid card for the telephone line . By the way , the telephone line owner pays the price of this product to the seller of the product , which is a prepaid system of a vending machine . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5677955A Filed: 1995-04-07 Issued: 1997-10-14 Electronic funds transfer instruments (Original Assignee) Telcordia Technologies Inc; Financial Services Technology Consortium; First National Bank of Boston (Current Assignee) Telcordia Technologies Inc ; Financial Services Technology Consortium ; FleetBoston Financial Corp John Doggett, Frank A. Jaffe, Milton M. Anderson |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (public key cryptography) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (electronic bank) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5677955A CLAIM 12 . The method of claim 11 further comprising appending to the electronic instrument , digital representations of a verifiable certificate by a central banking authority with respect to the institution which holds the payee' ; s account (s account) . US5677955A CLAIM 19 . The method of claim 1 in which the signature is generated by public key cryptography (different service, different service provider) . US5677955A CLAIM 49 . Apparatus for maintaining bank account information electronically comprising a portable token holding information for enabling a user to add signatures and certifications by a funds-holding institution of the authenticity of the account or an account holder to an electronic bank (purchase price using funds) ing instrument drawn on the account , and a separate portable token holding a register of transactions associated with the account . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers according to a predetermine schedule (communication medium) . |
US5677955A CLAIM 2 . A computer-based method comprising effecting a transfer of funds from an account of a payer in a funds-holding institution to a payee in accordance with instructions of the payer , by creating an electronic instrument which includes digital representations of (a) the instructions , (b) the identity of the payer , (c) the identity of the payee , and (d) the identity of the funds-holding institution , including with the electronic instrument , digital representations of (a) a verifiable signature of the payer , and (b) a verifiable certificate by the institution of the authenticity of the payer and of a public signature verification key of the payer , electronically delivering the electronic instrument to the institution at least in part via a publicly accessible data communication medium (predetermine schedule) , and at the institution , verifying the signature of the payer and the certificate in connection with transmitting the funds to the payee . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (public key cryptography) provider . |
US5677955A CLAIM 19 . The method of claim 1 in which the signature is generated by public key cryptography (different service, different service provider) . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (public key cryptography) provider . |
US5677955A CLAIM 19 . The method of claim 1 in which the signature is generated by public key cryptography (different service, different service provider) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts (limited use) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (credit card, smart card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5677955A CLAIM 7 . The method of claim 1 in which the electronic instrument comprises an electronic substitute for a credit card (credit cards, service providers using credit cards) transaction slip . US5677955A CLAIM 30 . The apparatus of claim 27 in which the portable token comprises a smart card (credit cards, service providers using credit cards) . US5677955A CLAIM 32 . The apparatus of claim 27 in which the certification information has a limited use (service provider accounts) ful life . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5465291A Filed: 1995-01-06 Issued: 1995-11-07 Apparatus for ordering from remote locations (Original Assignee) Barrus; John; Holly; Krisztina; Cassidy; Michael (Current Assignee) Artisoft Inc John Barrus, Krisztina Holly, Michael Cassidy |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (such items) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5465291A CLAIM 1 . A system for remote , real-time ordering on a user telephone terminal items of merchandise or services from a provider of such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) via a central telephone terminal , comprising : bar code reader means at the user terminal for machine reading bar codes selectively scanned by the user from a pre-provided catalog containing bar codes corresponding to such items and bar codes corresponding to a predetermined plurality of commands for controlling the central terminal ; transmitting means at the user terminal for successively transmitting to the central terminal item orders and commands corresponding to selected bar codes scanned by the user while the user terminal is on-line with the central terminal , said transmitting means directly , in real time , converting signals resulting from the machine reading of the selected bar codes to DTMF signals and transmitting the DTMF signals to the central terminal over a telephone line ; and receiving and processing means at the central terminal for receiving and processing item orders and commands successively transmitted by the transmitting means , each in accordance with the user' ; s freely discretionary selections made while the user terminal is on-line with the central terminal , among the items and said predetermined plurality of commands from the catalog , said receiving and processing means automatically recognizing whether each transmission is an item order or a command and , when an item order is recognized , automatically storing the same , generating a corresponding confirmatory voice response describing the ordered item and sending the voice response over the telephone line back to the user terminal , and , when a command is recognized , automatically executing the command . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (such items) for credit card service charge fees paid by other service providers . |
US5465291A CLAIM 1 . A system for remote , real-time ordering on a user telephone terminal items of merchandise or services from a provider of such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) via a central telephone terminal , comprising : bar code reader means at the user terminal for machine reading bar codes selectively scanned by the user from a pre-provided catalog containing bar codes corresponding to such items and bar codes corresponding to a predetermined plurality of commands for controlling the central terminal ; transmitting means at the user terminal for successively transmitting to the central terminal item orders and commands corresponding to selected bar codes scanned by the user while the user terminal is on-line with the central terminal , said transmitting means directly , in real time , converting signals resulting from the machine reading of the selected bar codes to DTMF signals and transmitting the DTMF signals to the central terminal over a telephone line ; and receiving and processing means at the central terminal for receiving and processing item orders and commands successively transmitted by the transmitting means , each in accordance with the user' ; s freely discretionary selections made while the user terminal is on-line with the central terminal , among the items and said predetermined plurality of commands from the catalog , said receiving and processing means automatically recognizing whether each transmission is an item order or a command and , when an item order is recognized , automatically storing the same , generating a corresponding confirmatory voice response describing the ordered item and sending the voice response over the telephone line back to the user terminal , and , when a command is recognized , automatically executing the command . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (such items) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US5465291A CLAIM 1 . A system for remote , real-time ordering on a user telephone terminal items of merchandise or services from a provider of such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) via a central telephone terminal , comprising : bar code reader means at the user terminal for machine reading bar codes selectively scanned by the user from a pre-provided catalog containing bar codes corresponding to such items and bar codes corresponding to a predetermined plurality of commands for controlling the central terminal ; transmitting means at the user terminal for successively transmitting to the central terminal item orders and commands corresponding to selected bar codes scanned by the user while the user terminal is on-line with the central terminal , said transmitting means directly , in real time , converting signals resulting from the machine reading of the selected bar codes to DTMF signals and transmitting the DTMF signals to the central terminal over a telephone line ; and receiving and processing means at the central terminal for receiving and processing item orders and commands successively transmitted by the transmitting means , each in accordance with the user' ; s freely discretionary selections made while the user terminal is on-line with the central terminal , among the items and said predetermined plurality of commands from the catalog , said receiving and processing means automatically recognizing whether each transmission is an item order or a command and , when an item order is recognized , automatically storing the same , generating a corresponding confirmatory voice response describing the ordered item and sending the voice response over the telephone line back to the user terminal , and , when a command is recognized , automatically executing the command . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (bar code) between service providers (such items) according to a predetermine schedule . |
US5465291A CLAIM 1 . A system for remote , real-time ordering on a user telephone terminal items of merchandise or services from a provider of such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) via a central telephone terminal , comprising : bar code (bridge computer to settle accounts) reader means at the user terminal for machine reading bar codes selectively scanned by the user from a pre-provided catalog containing bar codes corresponding to such items and bar codes corresponding to a predetermined plurality of commands for controlling the central terminal ; transmitting means at the user terminal for successively transmitting to the central terminal item orders and commands corresponding to selected bar codes scanned by the user while the user terminal is on-line with the central terminal , said transmitting means directly , in real time , converting signals resulting from the machine reading of the selected bar codes to DTMF signals and transmitting the DTMF signals to the central terminal over a telephone line ; and receiving and processing means at the central terminal for receiving and processing item orders and commands successively transmitted by the transmitting means , each in accordance with the user' ; s freely discretionary selections made while the user terminal is on-line with the central terminal , among the items and said predetermined plurality of commands from the catalog , said receiving and processing means automatically recognizing whether each transmission is an item order or a command and , when an item order is recognized , automatically storing the same , generating a corresponding confirmatory voice response describing the ordered item and sending the voice response over the telephone line back to the user terminal , and , when a command is recognized , automatically executing the command . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (such items) . |
US5465291A CLAIM 1 . A system for remote , real-time ordering on a user telephone terminal items of merchandise or services from a provider of such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) via a central telephone terminal , comprising : bar code reader means at the user terminal for machine reading bar codes selectively scanned by the user from a pre-provided catalog containing bar codes corresponding to such items and bar codes corresponding to a predetermined plurality of commands for controlling the central terminal ; transmitting means at the user terminal for successively transmitting to the central terminal item orders and commands corresponding to selected bar codes scanned by the user while the user terminal is on-line with the central terminal , said transmitting means directly , in real time , converting signals resulting from the machine reading of the selected bar codes to DTMF signals and transmitting the DTMF signals to the central terminal over a telephone line ; and receiving and processing means at the central terminal for receiving and processing item orders and commands successively transmitted by the transmitting means , each in accordance with the user' ; s freely discretionary selections made while the user terminal is on-line with the central terminal , among the items and said predetermined plurality of commands from the catalog , said receiving and processing means automatically recognizing whether each transmission is an item order or a command and , when an item order is recognized , automatically storing the same , generating a corresponding confirmatory voice response describing the ordered item and sending the voice response over the telephone line back to the user terminal , and , when a command is recognized , automatically executing the command . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (such items) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US5465291A CLAIM 1 . A system for remote , real-time ordering on a user telephone terminal items of merchandise or services from a provider of such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) via a central telephone terminal , comprising : bar code reader means at the user terminal for machine reading bar codes selectively scanned by the user from a pre-provided catalog containing bar codes corresponding to such items and bar codes corresponding to a predetermined plurality of commands for controlling the central terminal ; transmitting means at the user terminal for successively transmitting to the central terminal item orders and commands corresponding to selected bar codes scanned by the user while the user terminal is on-line with the central terminal , said transmitting means directly , in real time , converting signals resulting from the machine reading of the selected bar codes to DTMF signals and transmitting the DTMF signals to the central terminal over a telephone line ; and receiving and processing means at the central terminal for receiving and processing item orders and commands successively transmitted by the transmitting means , each in accordance with the user' ; s freely discretionary selections made while the user terminal is on-line with the central terminal , among the items and said predetermined plurality of commands from the catalog , said receiving and processing means automatically recognizing whether each transmission is an item order or a command and , when an item order is recognized , automatically storing the same , generating a corresponding confirmatory voice response describing the ordered item and sending the voice response over the telephone line back to the user terminal , and , when a command is recognized , automatically executing the command . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (such items) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5465291A CLAIM 1 . A system for remote , real-time ordering on a user telephone terminal items of merchandise or services from a provider of such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) via a central telephone terminal , comprising : bar code reader means at the user terminal for machine reading bar codes selectively scanned by the user from a pre-provided catalog containing bar codes corresponding to such items and bar codes corresponding to a predetermined plurality of commands for controlling the central terminal ; transmitting means at the user terminal for successively transmitting to the central terminal item orders and commands corresponding to selected bar codes scanned by the user while the user terminal is on-line with the central terminal , said transmitting means directly , in real time , converting signals resulting from the machine reading of the selected bar codes to DTMF signals and transmitting the DTMF signals to the central terminal over a telephone line ; and receiving and processing means at the central terminal for receiving and processing item orders and commands successively transmitted by the transmitting means , each in accordance with the user' ; s freely discretionary selections made while the user terminal is on-line with the central terminal , among the items and said predetermined plurality of commands from the catalog , said receiving and processing means automatically recognizing whether each transmission is an item order or a command and , when an item order is recognized , automatically storing the same , generating a corresponding confirmatory voice response describing the ordered item and sending the voice response over the telephone line back to the user terminal , and , when a command is recognized , automatically executing the command . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5715314A Filed: 1994-10-24 Issued: 1998-02-03 Network sales system (Original Assignee) Open Market Inc (Current Assignee) Soverain Software LLC ; Open Market Inc Andrew C. Payne, Lawrence C. Stewart, David J. Mackie |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (user account) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5715314A CLAIM 14 . A network-based sales system in accordance with claim 1 , wherein said buyer computer is programmed to transmit a user account (user account, service provider accounts, bridge computer to maintain accounts) identifier to said payment computer that identifies a user account . US5715314A CLAIM 34 . A network-based sales system , comprising : at least one buyer computer for operation by a user desiring to buy products ; at least one shopping cart computer ; and a shopping cart database connected to said shopping cart computer ; said buyer computer and said shopping cart computer being interconnected by a computer network ; said buyer computer being programmed to receive a plurality of requests from a user to add a plurality of respective products to a shopping cart in said shopping cart database , and , in response to said requests to add said products , to send a plurality of respective shopping cart messages to said shopping cart computer each of which comprises a product identifier identifying one of said plurality of products ; said shopping cart computer being programmed to receive said plurality of shopping cart messages , to modify said shopping cart in said shopping cart database to reflect said plurality of requests to add said plurality of products to said shopping cart , and to cause a payment message associated with said shopping cart to be created ; and said buyer computer being programmed to receive a request from said user to purchase said plurality of products added to said shopping cart and to cause said payment message to be activated to initiate a payment transaction for said plurality of products added to said shopping cart ; said shopping cart being a stored representation of a collection of products , said shopping cart database being a database of stored representations of collections of products , and said shopping cart computer being a computer that modifies said stored representations of collections of products in said database (user device) . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5715314A CLAIM 34 . A network-based sales system , comprising : at least one buyer computer for operation by a user desiring to buy products ; at least one shopping cart computer ; and a shopping cart database connected to said shopping cart computer ; said buyer computer and said shopping cart computer being interconnected by a computer network ; said buyer computer being programmed to receive a plurality of requests from a user to add a plurality of respective products to a shopping cart in said shopping cart database , and , in response to said requests to add said products , to send a plurality of respective shopping cart messages to said shopping cart computer each of which comprises a product identifier identifying one of said plurality of products ; said shopping cart computer being programmed to receive said plurality of shopping cart messages , to modify said shopping cart in said shopping cart database to reflect said plurality of requests to add said plurality of products to said shopping cart , and to cause a payment message associated with said shopping cart to be created ; and said buyer computer being programmed to receive a request from said user to purchase said plurality of products added to said shopping cart and to cause said payment message to be activated to initiate a payment transaction for said plurality of products added to said shopping cart ; said shopping cart being a stored representation of a collection of products , said shopping cart database being a database of stored representations of collections of products , and said shopping cart computer being a computer that modifies said stored representations of collections of products in said database (user device) . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (user account) for multiple service providers , wherein the bridge computer credits some of the service provider accounts (user account) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5715314A CLAIM 14 . A network-based sales system in accordance with claim 1 , wherein said buyer computer is programmed to transmit a user account (user account, service provider accounts, bridge computer to maintain accounts) identifier to said payment computer that identifies a user account . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5590196A Filed: 1994-10-06 Issued: 1996-12-31 Secure payment method using facsimile (Original Assignee) Connotech Experts Conseils Inc (Current Assignee) CONNOTECH EXPERTS-CONSEILS Inc ; Connotech Experts Conseils Inc Thierry Moreau |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (identifying information, secure storage) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (service providers) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5590196A CLAIM 1 . A method for transferring economic value from a payer to a payee comprising the steps of : a) preparing a value transfer form including information for identifying a specific value to be transferred , a financial institution of the payee and an account number of the payee ; b) receiving and verifying a security code at an encryption unit to authorize a transmission including a cryptographic processing result ; c) preparing a facsimile transmission device to send an image of the value transfer form ; d) connecting the facsimile device through the encryption unit over a communication channel to a value transfer service provider ; e) sending said image of the value transfer form in said transmission ; f) receiving at the value transfer service provider said transmission including said cryptographic processing result ; g) sending a confirmation message to said facsimile device that said transmission has been correctly received ; h) decrypting the cryptographic processing result at the value transfer service provider ; i) determining whether the cryptographic processing result was authentically generated by the payer ; j) extracting said identifying information (vendor computer) from the facsimile transmission ; and k) generating an electronic value transfer transaction based on said identifying information provided that the cryptographic processing result is determined to be authentic in step (i) . US5590196A CLAIM 7 . The method as claimed in claim 2 , wherein said steps (b) and (d) comprise : taking said encryption unit from a secure storage (vendor computer) position ; receiving and verifying said security code at a position conveniently near where step (a) is carried out ; and connecting said encryption unit to said channel and said facsimile device . US5590196A CLAIM 13 . The method as claimed in claim 8 , further comprising a step of receiving at said encryption unit a selection of one of a plurality of value transfer service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) , wherein said step (d) comprises connecting said facsimile device to said selected one of said plurality of value transfer service providers . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (service providers) for credit card service charge fees (financial institution) paid by other service providers . |
US5590196A CLAIM 1 . A method for transferring economic value from a payer to a payee comprising the steps of : a) preparing a value transfer form including information for identifying a specific value to be transferred , a financial institution (credit card service charge fees) of the payee and an account number of the payee ; b) receiving and verifying a security code at an encryption unit to authorize a transmission including a cryptographic processing result ; c) preparing a facsimile transmission device to send an image of the value transfer form ; d) connecting the facsimile device through the encryption unit over a communication channel to a value transfer service provider ; e) sending said image of the value transfer form in said transmission ; f) receiving at the value transfer service provider said transmission including said cryptographic processing result ; g) sending a confirmation message to said facsimile device that said transmission has been correctly received ; h) decrypting the cryptographic processing result at the value transfer service provider ; i) determining whether the cryptographic processing result was authentically generated by the payer ; j) extracting said identifying information from the facsimile transmission ; and k) generating an electronic value transfer transaction based on said identifying information provided that the cryptographic processing result is determined to be authentic in step (i) . US5590196A CLAIM 13 . The method as claimed in claim 8 , further comprising a step of receiving at said encryption unit a selection of one of a plurality of value transfer service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) , wherein said step (d) comprises connecting said facsimile device to said selected one of said plurality of value transfer service providers . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (service providers) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US5590196A CLAIM 13 . The method as claimed in claim 8 , further comprising a step of receiving at said encryption unit a selection of one of a plurality of value transfer service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) , wherein said step (d) comprises connecting said facsimile device to said selected one of said plurality of value transfer service providers . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator (service providers) for the product purchase . |
US5590196A CLAIM 13 . The method as claimed in claim 8 , further comprising a step of receiving at said encryption unit a selection of one of a plurality of value transfer service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) , wherein said step (d) comprises connecting said facsimile device to said selected one of said plurality of value transfer service providers . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (service providers) according to a predetermine schedule . |
US5590196A CLAIM 13 . The method as claimed in claim 8 , further comprising a step of receiving at said encryption unit a selection of one of a plurality of value transfer service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) , wherein said step (d) comprises connecting said facsimile device to said selected one of said plurality of value transfer service providers . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (service providers) . |
US5590196A CLAIM 13 . The method as claimed in claim 8 , further comprising a step of receiving at said encryption unit a selection of one of a plurality of value transfer service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) , wherein said step (d) comprises connecting said facsimile device to said selected one of said plurality of value transfer service providers . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (service providers) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5590196A CLAIM 13 . The method as claimed in claim 8 , further comprising a step of receiving at said encryption unit a selection of one of a plurality of value transfer service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) , wherein said step (d) comprises connecting said facsimile device to said selected one of said plurality of value transfer service providers . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (identifying information, secure storage) to offer the product for sale . |
US5590196A CLAIM 1 . A method for transferring economic value from a payer to a payee comprising the steps of : a) preparing a value transfer form including information for identifying a specific value to be transferred , a financial institution of the payee and an account number of the payee ; b) receiving and verifying a security code at an encryption unit to authorize a transmission including a cryptographic processing result ; c) preparing a facsimile transmission device to send an image of the value transfer form ; d) connecting the facsimile device through the encryption unit over a communication channel to a value transfer service provider ; e) sending said image of the value transfer form in said transmission ; f) receiving at the value transfer service provider said transmission including said cryptographic processing result ; g) sending a confirmation message to said facsimile device that said transmission has been correctly received ; h) decrypting the cryptographic processing result at the value transfer service provider ; i) determining whether the cryptographic processing result was authentically generated by the payer ; j) extracting said identifying information (vendor computer) from the facsimile transmission ; and k) generating an electronic value transfer transaction based on said identifying information provided that the cryptographic processing result is determined to be authentic in step (i) . US5590196A CLAIM 7 . The method as claimed in claim 2 , wherein said steps (b) and (d) comprise : taking said encryption unit from a secure storage (vendor computer) position ; receiving and verifying said security code at a position conveniently near where step (a) is carried out ; and connecting said encryption unit to said channel and said facsimile device . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (identifying information, secure storage) to offer the product for sale . |
US5590196A CLAIM 1 . A method for transferring economic value from a payer to a payee comprising the steps of : a) preparing a value transfer form including information for identifying a specific value to be transferred , a financial institution of the payee and an account number of the payee ; b) receiving and verifying a security code at an encryption unit to authorize a transmission including a cryptographic processing result ; c) preparing a facsimile transmission device to send an image of the value transfer form ; d) connecting the facsimile device through the encryption unit over a communication channel to a value transfer service provider ; e) sending said image of the value transfer form in said transmission ; f) receiving at the value transfer service provider said transmission including said cryptographic processing result ; g) sending a confirmation message to said facsimile device that said transmission has been correctly received ; h) decrypting the cryptographic processing result at the value transfer service provider ; i) determining whether the cryptographic processing result was authentically generated by the payer ; j) extracting said identifying information (vendor computer) from the facsimile transmission ; and k) generating an electronic value transfer transaction based on said identifying information provided that the cryptographic processing result is determined to be authentic in step (i) . US5590196A CLAIM 7 . The method as claimed in claim 2 , wherein said steps (b) and (d) comprise : taking said encryption unit from a secure storage (vendor computer) position ; receiving and verifying said security code at a position conveniently near where step (a) is carried out ; and connecting said encryption unit to said channel and said facsimile device . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5826241A Filed: 1994-09-16 Issued: 1998-10-20 Computerized system for making payments and authenticating transactions over the internet (Original Assignee) First Virtual Holdings Inc (Current Assignee) PayPal Inc Lee H. Stein, Einar A. Stefferud, Nathaniel S. Borenstein, Marshall T. Rose |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system (communicating means) having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (transfer information) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (transaction identifier, payment process) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5826241A CLAIM 5 . The system of claim 4 wherein said first computer and said second computer transfer information (communications network) by batch processing only . US5826241A CLAIM 8 . The system of claim 6 further comprising : programming means on said computer system for sending a transfer-query email message to the first user , said transfer-query e-mail message having : a transaction identifier (user account) as a subject of the transfer-query e-mail message ; an e-mail address to which the first user should respond as a sender' ; s address of the transfer-query e-mail message ; and an indication of the first user' ; s willingness to approve the payment of money to the second user as a body of the transfer-query e-mail message . US5826241A CLAIM 13 . the computer system of claim 4 further comprising : programming means on said computer system for maintaining accounts for users of the quasi-public network , said accounts including : payment process (user account) ing information for said users , said payment processing information maintained isolated from access via said quasi-public network ; and payment histories of users ; programming means on said computer system for receiving inquiries over the quasi-public network from some users regarding payment histories of other users ; and programming means on said computer system for informing the inquiring users via the quasi-public network of the payment histories of the other users . US5826241A CLAIM 26 . A information commerce system using a computer network including electronic mail communication , the system comprising : means for enrolling a plurality of cardholders by issuing a proprietary card account to computer network users having an electronic mail address ; a cardholder account associated with each cardholder including a computer network electronic . mail address , a proprietary card account number , a personal identification number used for authentication , a statement duration cycle time , a method of payment for credit balances ; and means for conducting commerce transactions between two cardholders over the computer network using at least one of the cardholders' ; proprietary card account number wherein said commerce conducting means comprises means for accepting requests over the computer network to authenticate a representation of a first cardholder' ; s personal identification number to a second cardholder : means for communicating with said first cardholder' ; s electronic mail address to inquire whether the representation was valid ; and means for receiving a response from said first cardholder' ; s electronic mail address in response to said communicating means (electronic commerce system) . US5826241A CLAIM 28 . A method for processing a payment of money on a network having a large number of users , the method implemented by a program running on a server connected to the network , said method comprising : maintaining a database on the server , said database (user device) associating personal identification numbers of users with users' ; network addresses wherein a user' ; s network address is not readily derivable from the user' ; s personal identification number ; receiving a first message over the network from a first user , said first message identifying a transaction between said first user and a second user and including a personal identification number of said second user , said transaction involving a payment from said second user to said first user ; operating the database to identify a network address of said second user ; sending a second message over the network to said second user , said second message inquiring of said second user whether said second user approves of said transaction with said first user ; and receiving a third message over the network from said second user , said third message indicating whether said second user approves said transaction . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge (service charge) fees (credit balance) paid by other service providers . |
US5826241A CLAIM 12 . The system of claim 6 in which the programming means for processing step further includes : means for subtracting a service charge (service charge) from the amount of said payment of money approved to be paid by the first user to the second user . US5826241A CLAIM 26 . A information commerce system using a computer network including electronic mail communication , the system comprising : means for enrolling a plurality of cardholders by issuing a proprietary card account to computer network users having an electronic mail address ; a cardholder account associated with each cardholder including a computer network electronic . mail address , a proprietary card account number , a personal identification number used for authentication , a statement duration cycle time , a method of payment for credit balance (credit card service charge fees) s ; and means for conducting commerce transactions between two cardholders over the computer network using at least one of the cardholders' ; proprietary card account number wherein said commerce conducting means comprises means for accepting requests over the computer network to authenticate a representation of a first cardholder' ; s personal identification number to a second cardholder : means for communicating with said first cardholder' ; s electronic mail address to inquire whether the representation was valid ; and means for receiving a response from said first cardholder' ; s electronic mail address in response to said communicating means . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge (service charge) for a bridge operator for the product purchase . |
US5826241A CLAIM 12 . The system of claim 6 in which the programming means for processing step further includes : means for subtracting a service charge (service charge) from the amount of said payment of money approved to be paid by the first user to the second user . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5826241A CLAIM 28 . A method for processing a payment of money on a network having a large number of users , the method implemented by a program running on a server connected to the network , said method comprising : maintaining a database on the server , said database (user device) associating personal identification numbers of users with users' ; network addresses wherein a user' ; s network address is not readily derivable from the user' ; s personal identification number ; receiving a first message over the network from a first user , said first message identifying a transaction between said first user and a second user and including a personal identification number of said second user , said transaction involving a payment from said second user to said first user ; operating the database to identify a network address of said second user ; sending a second message over the network to said second user , said second message inquiring of said second user whether said second user approves of said transaction with said first user ; and receiving a third message over the network from said second user , said third message indicating whether said second user approves said transaction . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (sending information) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US5826241A CLAIM 34 . The computer system of claim 33 further comprising : means for sending information (user ID) to a system off the network for processing a payment for said transaction , said information sending means responsive to said third message receiving means . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts (enabling users) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial information, credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5826241A CLAIM 1 . A system for enabling Internet users to make payments to other Internet users using the Internet comprising ; a computer system having stored thereon cardholder accounts for Internet users , said cardholder accounts including Internet address information and financial information (credit cards, service providers using credit cards) ; and wherein said financial information is maintained isolated from said Internet address information so that said financial information is not accessible to Internet users via the Internet ; programming code on said computer system for accepting a transaction request from a second Internet user to make a charge to a first Internet user ; programming code on said computer system for inquiring of the first Internet user whether the first Internet user accepts the charge identified in said transaction request ; and programming code on said computer system for processing the charge to the first Internet user using said financial information upon notification by the first Internet user of acceptance of the charge . US5826241A CLAIM 4 . The system of claim 2 wherein said second computer includes a program for communicating with Internet users ; and said first computer includes credit card (credit cards, service providers using credit cards) processing information for Internet users stored thereon ; said first computer connected to a credit card processing network . US5826241A CLAIM 20 . A method of enabling users (service provider accounts) of a quasi-public network to engage in the payment of money to other users of the quasi-public network , comprising : maintaining accounts for users of the quasi-public network , said accounts including : payment processing information for said users , said payment processing information maintained isolated from access via said quasi-public network ; and payment histories of users ; receiving requests from some users to process payments from other users ; inquiring of the other users whether said other users wish to approve the payments requested to be processed by said some users ; receiving responses from at least a portion of said other users ; and processing payments from those users of said portion of other users that reply positively to said inquires using said payment processing information . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH0869491A Filed: 1994-08-30 Issued: 1996-03-12 Point system (Original Assignee) Fujitsu Ltd; 富士通株式会社 Hiroto Akatsuka, Masaki Yamada, 正樹 山田, 浩人 赤塚 |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (システム, performing, plurality) to make a product purchase at a purchase price (の購入) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
JPH0869491A CLAIM 1 【請求項１】 ホストコンピュータと複数の端末とから なり，各端末から顧客に対して発行可能なポイントであ るストックポイントを予め用意しておき，該ストックポ イントの中から顧客に対してポイントの発行を行うポイ ントシステム (user device) において，前記端末は，顧客に対して発行 した発行ポイントを前記ホストコンピュータに送信する 発行ポイント送信手段を備え，前記ホストコンピュータ は，前記端末より送信された発行ポイントと，予め決め られた還元率に従い，該端末のストックポイントを増加 させるポイント還元部とを備えたことを特徴とするポイ ントシステム。 1 . A stock point comprising a host computer and a plurality (user device) of terminals , which are points that can be issued to a customer from each terminal , is prepared in advance , and points are issued to the customer from the stock points . In the point system for performing (user device) the above , the terminal includes an issue point transmitting means for transmitting the issue point issued to the customer to the host computer , and the host computer is predetermined with the issue point transmitted from the terminal . And a point return unit for increasing the stock points of the terminal according to the return rate . JPH0869491A CLAIM 3 【請求項３】 請求項１において，前記ホストコンピュ ータのポイント還元部は，前記端末から送信された発行 ポイントを受け取ると，還元ポイント算出手段により還 元ポイントを算出して保持し，前記端末からストックポ イントの購入 (purchase price) 依頼を受け取る，前記保持された還元ポイ ントを前記購入依頼のあったストックポイントに加算し て前記端末に送信することを特徴とするポイントシステ ム。 3 . The point reward unit of claim 1 , when the point reward unit of the host computer receives the issuance point transmitted from the terminal , the reward point calculation unit calculates and holds the reward point , and the point reward unit from the terminal . The point system , which receives the purchase request , adds the held return points to the stock points for which the purchase request has been made , and transmits the stock points to the terminal . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (システム, performing, plurality) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
JPH0869491A CLAIM 1 【請求項１】 ホストコンピュータと複数の端末とから なり，各端末から顧客に対して発行可能なポイントであ るストックポイントを予め用意しておき，該ストックポ イントの中から顧客に対してポイントの発行を行うポイ ントシステム (user device) において，前記端末は，顧客に対して発行 した発行ポイントを前記ホストコンピュータに送信する 発行ポイント送信手段を備え，前記ホストコンピュータ は，前記端末より送信された発行ポイントと，予め決め られた還元率に従い，該端末のストックポイントを増加 させるポイント還元部とを備えたことを特徴とするポイ ントシステム。 1 . A stock point comprising a host computer and a plurality (user device) of terminals , which are points that can be issued to a customer from each terminal , is prepared in advance , and points are issued to the customer from the stock points . In the point system for performing (user device) the above , the terminal includes an issue point transmitting means for transmitting the issue point issued to the customer to the host computer , and the host computer is predetermined with the issue point transmitted from the terminal . And a point return unit for increasing the stock points of the terminal according to the return rate . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5592378A Filed: 1994-08-19 Issued: 1997-01-07 Computerized order entry system and method (Original Assignee) Andersen Consulting LLP (Current Assignee) Accenture Global Services Ltd Paul S. Cameron, John C. Nash, Robert C. Bloomer, Robert E. Wollan, Kelly M. Kreutter, Melinda A. Ahler Olmstead, Dale H. Renner, Ryan D. Bourne, Keith M. Carnish, Dean R. Jones |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (data entry device) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (data capture) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5592378A CLAIM 1 . A computerized system for the placement of an order for an item by a user , the system including at least one data entry device (electronic commerce) having a display , the computerized system comprising : (a) storage means for storing offer information relating to a plurality of available multi-attributed offers ; (b) user-driven offer search means for locating a particular multi-attributed offer from the plurality of available offers , the user-driven offer search means comprising : (i) sequence-independent input means for allowing category search criteria to be entered in any sequence desired by the user ; and (ii) offer selection means for designating one or more search categories in response to the category search criteria , and for allowing selection of the particular multi-attributed offer from the available offers that are common to the designated one or more search categories ; (c) attribute selection means for identifying one or more offer attributes and a set of attribute choices for each of the one or more offer attributes upon selection of the particular multi-attributed offer , and for allowing sequence-independent selection of an attribute choice from each set of attribute choices ; and (d) stock-keeping-unit designation means for automatically designating a stock-keeping-unit identifier for the item corresponding to the particular multi-attributed offer selected via the offer selection means and having the attribute choices selected via the attribute selection means , whereby the item is identified through sequence-independent navigation of multiple search categories and offer attributes . US5592378A CLAIM 9 . The system of claim 8 , wherein the offer selection means further comprises manufacturer data capture (vendor computer, vendor ID) means for capturing manufacturer search criteria , and for designating another one of the one or more search categories as a manufacturer search category in response to the manufacturer search criteria . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (data capture) from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider . |
US5592378A CLAIM 9 . The system of claim 8 , wherein the offer selection means further comprises manufacturer data capture (vendor computer, vendor ID) means for capturing manufacturer search criteria , and for designating another one of the one or more search categories as a manufacturer search category in response to the manufacturer search criteria . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (data capture) from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US5592378A CLAIM 9 . The system of claim 8 , wherein the offer selection means further comprises manufacturer data capture (vendor computer, vendor ID) means for capturing manufacturer search criteria , and for designating another one of the one or more search categories as a manufacturer search category in response to the manufacturer search criteria . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (data capture) to offer the product for sale . |
US5592378A CLAIM 9 . The system of claim 8 , wherein the offer selection means further comprises manufacturer data capture (vendor computer, vendor ID) means for capturing manufacturer search criteria , and for designating another one of the one or more search categories as a manufacturer search category in response to the manufacturer search criteria . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (data capture) to offer the product for sale . |
US5592378A CLAIM 9 . The system of claim 8 , wherein the offer selection means further comprises manufacturer data capture (vendor computer, vendor ID) means for capturing manufacturer search criteria , and for designating another one of the one or more search categories as a manufacturer search category in response to the manufacturer search criteria . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | WO9503570A2 Filed: 1994-07-21 Issued: 1995-02-02 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories (Original Assignee) Credit Verification Corporation David W. Deaton, Rodney G. Gabriel |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase (product purchase) at a purchase price from a given vendor having a web site provided by a vendor computer (payment instrument) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (stored data) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (financial institutions, numerical data, debit card, credit card) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
WO9503570A2 CLAIM 2 . The system of Claim 1 and further comprising : circuitry for detecting numerical data (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) regarding a customer' ; s shopping history ; and said memory storing said numerical data in association with said customer' ; s identification code . WO9503570A2 CLAIM 5 . The system of Claim 1 wherein said customer' ; s identification code comprises the customer' ; s credit card (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) number . WO9503570A2 CLAIM 6 . The system of Claim 1 wherein said customer' ; s identification code comprises the customer' ; s debit card (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) number . WO9503570A2 CLAIM 14 . A system for performing targeted marketing on shopping customers comprising : a terminal for entering at the point-of-sale a unique customer identification code in response to the presentation of customers' ; identification at the point-of-sale in a retail store ; circuitry associated with said terminal for entering data at the point-of-sale relating to the customer' ; s shopping transactions , including data relating to universal product code of products purchased by the customer ; a memory for creating a database of the store' ; s customers' ; shopping transactions in response to said unique customer identification code and said data , including information regarding products frequently previously purchased by the customer ; circuitry for generating a signal in response to entry of identification codes of customers who are conducting a shopping transaction at the store ; and apparatus , in response to said signal , for effecting a sales promotion to said customers who are conducting a shopping transaction at the store , said sales promotion being contingent upon the customer meeting a predetermined future shopping criteria and said sales promotion including at least one of said products stored in said database (user device) as being frequently previously purchased by the customer . WO9503570A2 CLAIM 35 . A system for performing targeted marketing on shopping customers comprising : a device for entering the account code of a plurality of payment instrument (vendor computer) s from a plurality of different financial institutions (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) for use as a unique customer identification code in response to the presentation of customer payment instruments at the point-of-sale in a retail store ; a terminal for entering data relating to the customer' ; s shopping transactions ; a processor for creating a database of the store' ; s customers' ; shopping transactions and account codes in response to outputs from said device and terminal ; circuitry for generating a first signal upon entry of account codes of customers whose prior transactions at the store meet predetermined shopping history criteria ; apparatus responsive to said first signal for effecting a first sales promotion to said customer , wherein said first sales promotion is efficiently directed toward said class of customers who meet said predetermined shopping history criteria ; said device , terminal and processor operable to monitor said customer' ; s shopping transactions subsequent to said first sales promotion ; said circuitry generating a second signal in dependence upon the results of said monitoring of a customer whose shopping activity subsequent to said first sales promotion fails to meet a predetermined response criteria ; said apparatus responsive to said second signal for effecting a second sales promotion to said customers whose shopping activity fails to meet said predetermined response criteria , and wherein said second sales promotion is differentiated from said first sales promotion . WO9503570A2 CLAIM 36 . A system for customer promotion comprising : a memory for storing data representative of a customer' ; s prior purchases of products at a store ; a processor for applying a value formula to said stored data (user account) in order to determine a subset of previously purchased products for use as incentives for said customer ; and apparatus for issuing a coupon to said customer in an effort to incent said customer , said coupon providing incentives based upon at least one of said subset of products previously purchased by said customer . WO9503570A2 CLAIM 85 . A system for performing targeted marketing on shopping customers comprising : a terminal for entering at the point-of-sale the account codes of a plurality of payment instruments from a plurality of different financial institutions for use as unique customer identification codes in response to the presentation of customers' ; payment instruments at the point-of-sale in a retail store ; circuitry associated with said terminal for entering data at the point-of-sale relating to the customer' ; s shopping transactions , including data relating to products purchased by the customer ; a memory associated with said terminal and said circuitry for creating a database of the store' ; s customers' ; shopping transactions and account codes , including information regarding products previously purchased by each customer ; circuitry for determining from said database a subset of frequently previously purchased products ; circuitry for applying a consumption rate analysis to said subset of frequently previously purchased products , to determine that sufficient time has elapsed since the product purchase (product purchase) s to ensure a minimum amount of consumption of the products ; circuitry for applying a value formula to said subset of frequently previously purchased products to establish a value for incentives in a sales promotion ; circuitry for generating a first signal in response to entry of account codes of customers whose prior transactions at the store meet predetermined shopping history criteria ; and apparatus , in response to said first signal , effecting a sales promotion to said customers who meet said predetermined shopping history criteria , said sales promotion being contingent upon the customer meeting a predetermined future shopping criteria and said sales promotion being related to at least one of said products in said subset and which has been determined to have been previously purchased a sufficient time ago to have been at least partially consumed by the customer . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (financial institutions, numerical data, debit card, credit card) paid by other service providers . |
WO9503570A2 CLAIM 2 . The system of Claim 1 and further comprising : circuitry for detecting numerical data (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) regarding a customer' ; s shopping history ; and said memory storing said numerical data in association with said customer' ; s identification code . WO9503570A2 CLAIM 5 . The system of Claim 1 wherein said customer' ; s identification code comprises the customer' ; s credit card (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) number . WO9503570A2 CLAIM 6 . The system of Claim 1 wherein said customer' ; s identification code comprises the customer' ; s debit card (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) number . WO9503570A2 CLAIM 35 . A system for performing targeted marketing on shopping customers comprising : a device for entering the account code of a plurality of payment instruments from a plurality of different financial institutions (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) for use as a unique customer identification code in response to the presentation of customer payment instruments at the point-of-sale in a retail store ; a terminal for entering data relating to the customer' ; s shopping transactions ; a processor for creating a database of the store' ; s customers' ; shopping transactions and account codes in response to outputs from said device and terminal ; circuitry for generating a first signal upon entry of account codes of customers whose prior transactions at the store meet predetermined shopping history criteria ; apparatus responsive to said first signal for effecting a first sales promotion to said customer , wherein said first sales promotion is efficiently directed toward said class of customers who meet said predetermined shopping history criteria ; said device , terminal and processor operable to monitor said customer' ; s shopping transactions subsequent to said first sales promotion ; said circuitry generating a second signal in dependence upon the results of said monitoring of a customer whose shopping activity subsequent to said first sales promotion fails to meet a predetermined response criteria ; said apparatus responsive to said second signal for effecting a second sales promotion to said customers whose shopping activity fails to meet said predetermined response criteria , and wherein said second sales promotion is differentiated from said first sales promotion . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (product purchase) . |
WO9503570A2 CLAIM 85 . A system for performing targeted marketing on shopping customers comprising : a terminal for entering at the point-of-sale the account codes of a plurality of payment instruments from a plurality of different financial institutions for use as unique customer identification codes in response to the presentation of customers' ; payment instruments at the point-of-sale in a retail store ; circuitry associated with said terminal for entering data at the point-of-sale relating to the customer' ; s shopping transactions , including data relating to products purchased by the customer ; a memory associated with said terminal and said circuitry for creating a database of the store' ; s customers' ; shopping transactions and account codes , including information regarding products previously purchased by each customer ; circuitry for determining from said database a subset of frequently previously purchased products ; circuitry for applying a consumption rate analysis to said subset of frequently previously purchased products , to determine that sufficient time has elapsed since the product purchase (product purchase) s to ensure a minimum amount of consumption of the products ; circuitry for applying a value formula to said subset of frequently previously purchased products to establish a value for incentives in a sales promotion ; circuitry for generating a first signal in response to entry of account codes of customers whose prior transactions at the store meet predetermined shopping history criteria ; and apparatus , in response to said first signal , effecting a sales promotion to said customers who meet said predetermined shopping history criteria , said sales promotion being contingent upon the customer meeting a predetermined future shopping criteria and said sales promotion being related to at least one of said products in said subset and which has been determined to have been previously purchased a sufficient time ago to have been at least partially consumed by the customer . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (bar code) between service providers according to a predetermine schedule . |
WO9503570A2 CLAIM 104 . A system for targeted customer promotion at a retail store comprising : a terminal for entering a customer' ; s identification code , along with customer transaction data , at the point-of-sale ; a bar code (bridge computer to settle accounts) reader for detecting the universal product code on products purchased by said customers ; a memory for storing a plurality of previously entered customer identification codes and customer transaction data ; said memory further storing data relating to universal product codes of products purchased in shopping visits prior to the current shopping visit by said customer , such that data regarding individual customer' ; s shopping histories are stored in association with said customer identification codes ; a processor operable to determine from said memory a set of previously purchased products purchased by a specific customer in prior visits to the store ; said set of products comprising a plurality of product categories of previously purchased from multiple in store departments ; said processor determining a subset of products which may be used as incentives ; said processor further generating a listing of products from said subset based upon customer preference for said products in said subset wherein said preference is determined by a predetermined preference criteria ; circuitry for generation of a signal upon detection of a specific customer' ; s identification code entered at the point-of-sale that meets a predetermined prior shopping visit history criteria in shopping visits prior to the current shopping visit relative to said customer' ; s shopping history stored in said memory ; and apparatus for issuing , at the point-of-sale , an incentive involving at least one product from said listing of products of said specific customer , whose prior shopping visit history meets said prior shopping visit history criteria . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
WO9503570A2 CLAIM 14 . A system for performing targeted marketing on shopping customers comprising : a terminal for entering at the point-of-sale a unique customer identification code in response to the presentation of customers' ; identification at the point-of-sale in a retail store ; circuitry associated with said terminal for entering data at the point-of-sale relating to the customer' ; s shopping transactions , including data relating to universal product code of products purchased by the customer ; a memory for creating a database of the store' ; s customers' ; shopping transactions in response to said unique customer identification code and said data , including information regarding products frequently previously purchased by the customer ; circuitry for generating a signal in response to entry of identification codes of customers who are conducting a shopping transaction at the store ; and apparatus , in response to said signal , for effecting a sales promotion to said customers who are conducting a shopping transaction at the store , said sales promotion being contingent upon the customer meeting a predetermined future shopping criteria and said sales promotion including at least one of said products stored in said database (user device) as being frequently previously purchased by the customer . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider . |
WO9503570A2 CLAIM 1 . A system of customer promotion comprising : a memory for storing data representative of a customer' ; s prior purchases of products at a store in association with a customer' ; s unique identification (vendor ID) ; circuitry responsive to said data stored in said memory for generating indications of a product frequently previously purchased by said customer in a previous visit to the store ; and apparatus for issuing a coupon at the point-of-sale to said customer in response to said indications in an effort to incent said customer , said coupon providing incentives including said product frequently previously purchased by said customer , the validity of said promotion contingent upon said customer making a future shopping transaction . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
WO9503570A2 CLAIM 1 . A system of customer promotion comprising : a memory for storing data representative of a customer' ; s prior purchases of products at a store in association with a customer' ; s unique identification (vendor ID) ; circuitry responsive to said data stored in said memory for generating indications of a product frequently previously purchased by said customer in a previous visit to the store ; and apparatus for issuing a coupon at the point-of-sale to said customer in response to said indications in an effort to incent said customer , said coupon providing incentives including said product frequently previously purchased by said customer , the validity of said promotion contingent upon said customer making a future shopping transaction . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial institutions, numerical data, debit card, credit card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
WO9503570A2 CLAIM 2 . The system of Claim 1 and further comprising : circuitry for detecting numerical data (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) regarding a customer' ; s shopping history ; and said memory storing said numerical data in association with said customer' ; s identification code . WO9503570A2 CLAIM 5 . The system of Claim 1 wherein said customer' ; s identification code comprises the customer' ; s credit card (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) number . WO9503570A2 CLAIM 6 . The system of Claim 1 wherein said customer' ; s identification code comprises the customer' ; s debit card (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) number . WO9503570A2 CLAIM 35 . A system for performing targeted marketing on shopping customers comprising : a device for entering the account code of a plurality of payment instruments from a plurality of different financial institutions (credit card service charge fees, credit cards, service providers using credit cards, purchase price using funds) for use as a unique customer identification code in response to the presentation of customer payment instruments at the point-of-sale in a retail store ; a terminal for entering data relating to the customer' ; s shopping transactions ; a processor for creating a database of the store' ; s customers' ; shopping transactions and account codes in response to outputs from said device and terminal ; circuitry for generating a first signal upon entry of account codes of customers whose prior transactions at the store meet predetermined shopping history criteria ; apparatus responsive to said first signal for effecting a first sales promotion to said customer , wherein said first sales promotion is efficiently directed toward said class of customers who meet said predetermined shopping history criteria ; said device , terminal and processor operable to monitor said customer' ; s shopping transactions subsequent to said first sales promotion ; said circuitry generating a second signal in dependence upon the results of said monitoring of a customer whose shopping activity subsequent to said first sales promotion fails to meet a predetermined response criteria ; said apparatus responsive to said second signal for effecting a second sales promotion to said customers whose shopping activity fails to meet said predetermined response criteria , and wherein said second sales promotion is differentiated from said first sales promotion . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (payment instrument) to offer the product for sale . |
WO9503570A2 CLAIM 35 . A system for performing targeted marketing on shopping customers comprising : a device for entering the account code of a plurality of payment instrument (vendor computer) s from a plurality of different financial institutions for use as a unique customer identification code in response to the presentation of customer payment instruments at the point-of-sale in a retail store ; a terminal for entering data relating to the customer' ; s shopping transactions ; a processor for creating a database of the store' ; s customers' ; shopping transactions and account codes in response to outputs from said device and terminal ; circuitry for generating a first signal upon entry of account codes of customers whose prior transactions at the store meet predetermined shopping history criteria ; apparatus responsive to said first signal for effecting a first sales promotion to said customer , wherein said first sales promotion is efficiently directed toward said class of customers who meet said predetermined shopping history criteria ; said device , terminal and processor operable to monitor said customer' ; s shopping transactions subsequent to said first sales promotion ; said circuitry generating a second signal in dependence upon the results of said monitoring of a customer whose shopping activity subsequent to said first sales promotion fails to meet a predetermined response criteria ; said apparatus responsive to said second signal for effecting a second sales promotion to said customers whose shopping activity fails to meet said predetermined response criteria , and wherein said second sales promotion is differentiated from said first sales promotion . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (payment instrument) to offer the product for sale . |
WO9503570A2 CLAIM 35 . A system for performing targeted marketing on shopping customers comprising : a device for entering the account code of a plurality of payment instrument (vendor computer) s from a plurality of different financial institutions for use as a unique customer identification code in response to the presentation of customer payment instruments at the point-of-sale in a retail store ; a terminal for entering data relating to the customer' ; s shopping transactions ; a processor for creating a database of the store' ; s customers' ; shopping transactions and account codes in response to outputs from said device and terminal ; circuitry for generating a first signal upon entry of account codes of customers whose prior transactions at the store meet predetermined shopping history criteria ; apparatus responsive to said first signal for effecting a first sales promotion to said customer , wherein said first sales promotion is efficiently directed toward said class of customers who meet said predetermined shopping history criteria ; said device , terminal and processor operable to monitor said customer' ; s shopping transactions subsequent to said first sales promotion ; said circuitry generating a second signal in dependence upon the results of said monitoring of a customer whose shopping activity subsequent to said first sales promotion fails to meet a predetermined response criteria ; said apparatus responsive to said second signal for effecting a second sales promotion to said customers whose shopping activity fails to meet said predetermined response criteria , and wherein said second sales promotion is differentiated from said first sales promotion . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5484988A Filed: 1994-06-09 Issued: 1996-01-16 Checkwriting point of sale system (Original Assignee) Resource Tech Services Inc (Current Assignee) LML Patent Corp ; Resource Tech Services Inc Robert R. Hills, Henry R. Nichols |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (service providers) wherein each of the plurality of service providers has a service provider computer (external database) , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5484988A CLAIM 1 . A checkwriting point of sale system comprising : a point of sale terminal adapted to receive consumer bank account information from any bank check ; a central computer system ; first communications means integral to said point of sale terminal for electronically communicating with the central computer system ; memory means integral to said point of sale terminal for temporarily storing the consumer bank account information ; the central computer system having second communication means for receiving information from a plurality of said point of sale terminals ; the central computer system second communication means enabling said central computer system to communicate with external database (service provider computer) s for performing a consumer bank account status search and further enabling automated clearing house communication for transferring funds without using the bank check as a negotiable instrument . US5484988A CLAIM 6 . The checkwriting point of sale system according to claim 1 wherein the central computer system further comprises a system subscriber database , the system subscriber database comprising information regarding merchants and service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) that are authorized to use the checkwriting point of sale system . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (service providers) for credit card service charge fees paid by other service providers . |
US5484988A CLAIM 6 . The checkwriting point of sale system according to claim 1 wherein the central computer system further comprises a system subscriber database , the system subscriber database comprising information regarding merchants and service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) that are authorized to use the checkwriting point of sale system . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (service providers) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US5484988A CLAIM 6 . The checkwriting point of sale system according to claim 1 wherein the central computer system further comprises a system subscriber database , the system subscriber database comprising information regarding merchants and service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) that are authorized to use the checkwriting point of sale system . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator (service providers) for the product purchase . |
US5484988A CLAIM 6 . The checkwriting point of sale system according to claim 1 wherein the central computer system further comprises a system subscriber database , the system subscriber database comprising information regarding merchants and service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) that are authorized to use the checkwriting point of sale system . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (service providers) according to a predetermine schedule . |
US5484988A CLAIM 6 . The checkwriting point of sale system according to claim 1 wherein the central computer system further comprises a system subscriber database , the system subscriber database comprising information regarding merchants and service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) that are authorized to use the checkwriting point of sale system . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (service providers) . |
US5484988A CLAIM 6 . The checkwriting point of sale system according to claim 1 wherein the central computer system further comprises a system subscriber database , the system subscriber database comprising information regarding merchants and service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) that are authorized to use the checkwriting point of sale system . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (service providers) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (approval message) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5484988A CLAIM 6 . The checkwriting point of sale system according to claim 1 wherein the central computer system further comprises a system subscriber database , the system subscriber database comprising information regarding merchants and service providers (service providers, bridge operator, multiple service providers, service providers using credit cards) that are authorized to use the checkwriting point of sale system . US5484988A CLAIM 15 . The checkwriting point of sale process of claim 8 , further comprising : a) verifying the status of the consumer bank account , b) verifying the consumer bank account status of the consumer via a query to a third party database if the consumer bank account is verified as bad , and c) sending an approval message (credit cards) to the point of sale terminal if the consumer' ; s banking account status is approved for the transaction . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5557518A Filed: 1994-04-28 Issued: 1996-09-17 Trusted agents for open electronic commerce (Original Assignee) Citibank NA (Current Assignee) Citibank NA Sholom S. Rosen |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (electronic commerce) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (communications network) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5557518A CLAIM 1 . A system for open electronic commerce (electronic commerce, electronic commerce system) where both customers and merchants can securely transact comprising : a customer trusted agent ; a first money module associated with said customer trusted agent , and capable of securely communicating with said customer trusted agent ; a merchant trusted agent capable of establishing a first cryptographically secure session with said customer trusted agent ; a second money module associated with said merchant trusted agent and capable of securely communicating with said merchant trusted agent , and capable of establishing a second cryptographically secure session with said first money module ; where said merchant trusted agent transfers electronic merchandise , via said first cryptographically secure session , to said customer trusted agent which provisionally retains said electronic merchandise ; where said customer trusted agent provides first payment information to said first money module and said merchant trusted agent provides second payment information to said second money module ; where said first money module transfers electronic money , in an amount consistent with said first and second payment information , to said second money module via said second cryptographically secure session ; where said first money module informs said customer trusted agent upon successful transfer of said electronic money , whereupon said retention of electronic merchandise is no longer provisional , and where said second money module informs said merchant trusted agent upon successful receipt of said electronic money . US5557518A CLAIM 48 . A system for securing simultaneous payment of electronic money to delivery of electronic merchandise over a communication network , comprising : a tamper-proof first electronic agent having a first processor ; a tamper-proof first money module associated with and capable of securely communicating with said first electronic agent , and having a second processor ; a tamper-proof second electronic agent capable of establishing a first cryptographically secure session with said first electronic agent over said communications network (communications network, bridge computer to maintain accounts) , and having a third processor ; a tamper-proof second money module associated with and capable of securely communicating with said second electronic agent , and capable of establishing a second cryptographically secure session with said first money module , and having a fourth processor ; where said first electronic agent and said first money module are remotely located from said second electronic agent and said second money module ; where said third processor is adapted to transfer electronic merchandise , via said first cryptographically secure session , to said first electronic agent ; where said first processor is adapted to receive said electronic merchandise and not permit free external access to said electronic merchandise pending receipt of a message indicative of successful payment from said first money module ; where said second processor is adapted to transfer electronic money , via said second cryptographically secure session , to said second money module , and to subsequently send said message indicative of successful payment to said first processor ; and where said fourth processor is adapted to receive said electronic money . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (electronic ticket, money modules) paid by other service providers . |
US5557518A CLAIM 17 . For use in the secure purchase of electronic merchandise with the aid of a merchant trusted agent and first and second money modules (credit card service charge fees, credit cards, service providers using credit cards) capable of establishing a second cryptographically secure session , a customer trusted agent comprising : a processor adapted for the following : establishing a first cryptographically secure session with said merchant trusted agent ; securely communicating with said first money module associated with said customer trusted agent ; receiving and provisionally retaining electronic merchandise from said merchant trusted agent via said first cryptographically secure session ; and providing payment information to said first money module ; where said first money module transfers electronic money , in an amount consistent with said payment information , via said second cryptographically secure session , to said second money module associated with said merchant trusted agent ; and where said customer trusted agent is informed by said first money module upon successful transfer of said electronic money , whereupon said retention of said electronic merchandise is no longer provisional and said electronic merchandise may be used by the customer . US5557518A CLAIM 31 . A method for securely exchanging an electronic ticket (credit card service charge fees, credit cards, service providers using credit cards) and electronic money utilizing a customer trusted agent , a first money module , a merchant trusted agent , and a second money module , comprising the steps of : (a) establishing a first cryptographically secure session between said customer trusted agent and said merchant trusted agent ; (b) said merchant trusted agent transferring said electronic ticket , via said first cryptographically secure session , to said customer trusted agent which provisionally retains said electronic ticket ; (c) establishing a second cryptographically secure session between said first money module and said second money module ; (d) said customer trusted agent securely providing first payment information to said first money module ; (e) said merchant trusted agent securely providing second payment information to said second money module ; (f) said first money module transferring , via said second cryptographically secure session , said electronic money in an amount consistent with said first and second payment information , to said second money module which provisionally retains said electronic money ; (g) said first money module committing and securely informing said customer trusted agent of successful electronic money transfer ; (h) said second money module committing , whereupon said retention of said electronic money is no longer provisional , and securely informing said merchant trusted agent of successful electronic money receipt ; (i) said customer trusted agent committing , whereupon said retention of said electronic ticket is no longer provisional ; and (j) said merchant trusted agent committing . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (communications network) for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (electronic ticket, money modules) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5557518A CLAIM 17 . For use in the secure purchase of electronic merchandise with the aid of a merchant trusted agent and first and second money modules (credit card service charge fees, credit cards, service providers using credit cards) capable of establishing a second cryptographically secure session , a customer trusted agent comprising : a processor adapted for the following : establishing a first cryptographically secure session with said merchant trusted agent ; securely communicating with said first money module associated with said customer trusted agent ; receiving and provisionally retaining electronic merchandise from said merchant trusted agent via said first cryptographically secure session ; and providing payment information to said first money module ; where said first money module transfers electronic money , in an amount consistent with said payment information , via said second cryptographically secure session , to said second money module associated with said merchant trusted agent ; and where said customer trusted agent is informed by said first money module upon successful transfer of said electronic money , whereupon said retention of said electronic merchandise is no longer provisional and said electronic merchandise may be used by the customer . US5557518A CLAIM 31 . A method for securely exchanging an electronic ticket (credit card service charge fees, credit cards, service providers using credit cards) and electronic money utilizing a customer trusted agent , a first money module , a merchant trusted agent , and a second money module , comprising the steps of : (a) establishing a first cryptographically secure session between said customer trusted agent and said merchant trusted agent ; (b) said merchant trusted agent transferring said electronic ticket , via said first cryptographically secure session , to said customer trusted agent which provisionally retains said electronic ticket ; (c) establishing a second cryptographically secure session between said first money module and said second money module ; (d) said customer trusted agent securely providing first payment information to said first money module ; (e) said merchant trusted agent securely providing second payment information to said second money module ; (f) said first money module transferring , via said second cryptographically secure session , said electronic money in an amount consistent with said first and second payment information , to said second money module which provisionally retains said electronic money ; (g) said first money module committing and securely informing said customer trusted agent of successful electronic money transfer ; (h) said second money module committing , whereupon said retention of said electronic money is no longer provisional , and securely informing said merchant trusted agent of successful electronic money receipt ; (i) said customer trusted agent committing , whereupon said retention of said electronic ticket is no longer provisional ; and (j) said merchant trusted agent committing . US5557518A CLAIM 48 . A system for securing simultaneous payment of electronic money to delivery of electronic merchandise over a communication network , comprising : a tamper-proof first electronic agent having a first processor ; a tamper-proof first money module associated with and capable of securely communicating with said first electronic agent , and having a second processor ; a tamper-proof second electronic agent capable of establishing a first cryptographically secure session with said first electronic agent over said communications network (communications network, bridge computer to maintain accounts) , and having a third processor ; a tamper-proof second money module associated with and capable of securely communicating with said second electronic agent , and capable of establishing a second cryptographically secure session with said first money module , and having a fourth processor ; where said first electronic agent and said first money module are remotely located from said second electronic agent and said second money module ; where said third processor is adapted to transfer electronic merchandise , via said first cryptographically secure session , to said first electronic agent ; where said first processor is adapted to receive said electronic merchandise and not permit free external access to said electronic merchandise pending receipt of a message indicative of successful payment from said first money module ; where said second processor is adapted to transfer electronic money , via said second cryptographically secure session , to said second money module , and to subsequently send said message indicative of successful payment to said first processor ; and where said fourth processor is adapted to receive said electronic money . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5388165A Filed: 1994-01-04 Issued: 1995-02-07 Method and system for building a database and performing marketing based upon prior shopping history (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp David W. Deaton, Rodney G. Gabriel |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase (product purchase) at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5388165A CLAIM 1 . A system for performing targeted marketing on customers in a retail establishment comprising : apparatus for entering selected indicia from instruments presented by customers at a point-of-sale , in order to generate a unique identification code for each customer ; a bar code reader for detecting the universal product code on products purchased by said customers ; a terminal at the point-of-sale for entering data relating to the customer' ; s shopping transactions ; a processor responsive to said apparatus , bar code reader , and terminal for creating a centralized database of the store' ; s customers' ; transaction data during previous customer visits and data relating to universal product codes of products previously purchased by said customers , in association with said customers' ; unique identification code ; said processor generating a signal upon entry of unique identification codes of customers whose transactions prior to the current shopping visit at the store meet one of a plurality of predetermined purchasing history criteria ; and circuitry responsive to said processor and said database (user device) for dispensing a sales promotion at the point-of-sale to said customers whose prior transactions meet one of said predetermined purchasing history criteria , wherein said sales promotion provides different incentives to customers having different prior purchasing histories , such that said customers are incented to return to the retail establishment to purchase products in a future transaction . US5388165A CLAIM 12 . A system for differentiated customer promotion in a retail establishment comprising : a terminal for entering customer transaction data at the point-of-sale ; a bar code reader for detecting the universal product code on products purchased by said customers ; a memory for storing a database of previously entered customer transaction data and representations of universal product codes , such that data regarding individual customers' ; shopping visit histories and product purchase (product purchase) s are stored ; said database storing at least first and second different predetermined customer shopping visit history criteria , wherein said customer shopping visit history criteria comprises customer shopping data over a preselected prior time interval prior to the current shopping transaction ; said database also storing at least first and second different predetermined incentive values , said first incentive value having a relationship to said first customer shopping visit history criteria , said second incentive value having a relationship to said second customer shopping visit history criteria , wherein said first incentive value relationship is differentiated from said second incentive value relationship ; said database also storing preselected promotions on preselected products ; circuitry for generating a signal when a specific customer' ; s prior shopping visit history meets one of said predetermined shopping visit history criteria ; and a printer for printing coupons related to said preselected promotions on preselected products at the point-of-sale in response to said signal , said coupons related to the customer' ; s prior product purchasing history and prior shopping visit history such that customers whose shopping visit history meets said first shopping visit criteria receive coupons comprising said first incentive value and customers whose shopping visit history meets said second shopping visit history criteria receive coupons comprising said second incentive value , said coupons redeemable at a future time in order to incent said customer to return to the retail store . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (product purchase) . |
US5388165A CLAIM 12 . A system for differentiated customer promotion in a retail establishment comprising : a terminal for entering customer transaction data at the point-of-sale ; a bar code reader for detecting the universal product code on products purchased by said customers ; a memory for storing a database of previously entered customer transaction data and representations of universal product codes , such that data regarding individual customers' ; shopping visit histories and product purchase (product purchase) s are stored ; said database storing at least first and second different predetermined customer shopping visit history criteria , wherein said customer shopping visit history criteria comprises customer shopping data over a preselected prior time interval prior to the current shopping transaction ; said database also storing at least first and second different predetermined incentive values , said first incentive value having a relationship to said first customer shopping visit history criteria , said second incentive value having a relationship to said second customer shopping visit history criteria , wherein said first incentive value relationship is differentiated from said second incentive value relationship ; said database also storing preselected promotions on preselected products ; circuitry for generating a signal when a specific customer' ; s prior shopping visit history meets one of said predetermined shopping visit history criteria ; and a printer for printing coupons related to said preselected promotions on preselected products at the point-of-sale in response to said signal , said coupons related to the customer' ; s prior product purchasing history and prior shopping visit history such that customers whose shopping visit history meets said first shopping visit criteria receive coupons comprising said first incentive value and customers whose shopping visit history meets said second shopping visit history criteria receive coupons comprising said second incentive value , said coupons redeemable at a future time in order to incent said customer to return to the retail store . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (bar code) between service providers according to a predetermine schedule . |
US5388165A CLAIM 1 . A system for performing targeted marketing on customers in a retail establishment comprising : apparatus for entering selected indicia from instruments presented by customers at a point-of-sale , in order to generate a unique identification code for each customer ; a bar code (bridge computer to settle accounts) reader for detecting the universal product code on products purchased by said customers ; a terminal at the point-of-sale for entering data relating to the customer' ; s shopping transactions ; a processor responsive to said apparatus , bar code reader , and terminal for creating a centralized database of the store' ; s customers' ; transaction data during previous customer visits and data relating to universal product codes of products previously purchased by said customers , in association with said customers' ; unique identification code ; said processor generating a signal upon entry of unique identification codes of customers whose transactions prior to the current shopping visit at the store meet one of a plurality of predetermined purchasing history criteria ; and circuitry responsive to said processor and said database for dispensing a sales promotion at the point-of-sale to said customers whose prior transactions meet one of said predetermined purchasing history criteria , wherein said sales promotion provides different incentives to customers having different prior purchasing histories , such that said customers are incented to return to the retail establishment to purchase products in a future transaction . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5388165A CLAIM 1 . A system for performing targeted marketing on customers in a retail establishment comprising : apparatus for entering selected indicia from instruments presented by customers at a point-of-sale , in order to generate a unique identification code for each customer ; a bar code reader for detecting the universal product code on products purchased by said customers ; a terminal at the point-of-sale for entering data relating to the customer' ; s shopping transactions ; a processor responsive to said apparatus , bar code reader , and terminal for creating a centralized database of the store' ; s customers' ; transaction data during previous customer visits and data relating to universal product codes of products previously purchased by said customers , in association with said customers' ; unique identification code ; said processor generating a signal upon entry of unique identification codes of customers whose transactions prior to the current shopping visit at the store meet one of a plurality of predetermined purchasing history criteria ; and circuitry responsive to said processor and said database (user device) for dispensing a sales promotion at the point-of-sale to said customers whose prior transactions meet one of said predetermined purchasing history criteria , wherein said sales promotion provides different incentives to customers having different prior purchasing histories , such that said customers are incented to return to the retail establishment to purchase products in a future transaction . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider . |
US5388165A CLAIM 1 . A system for performing targeted marketing on customers in a retail establishment comprising : apparatus for entering selected indicia from instruments presented by customers at a point-of-sale , in order to generate a unique identification (vendor ID) code for each customer ; a bar code reader for detecting the universal product code on products purchased by said customers ; a terminal at the point-of-sale for entering data relating to the customer' ; s shopping transactions ; a processor responsive to said apparatus , bar code reader , and terminal for creating a centralized database of the store' ; s customers' ; transaction data during previous customer visits and data relating to universal product codes of products previously purchased by said customers , in association with said customers' ; unique identification code ; said processor generating a signal upon entry of unique identification codes of customers whose transactions prior to the current shopping visit at the store meet one of a plurality of predetermined purchasing history criteria ; and circuitry responsive to said processor and said database for dispensing a sales promotion at the point-of-sale to said customers whose prior transactions meet one of said predetermined purchasing history criteria , wherein said sales promotion provides different incentives to customers having different prior purchasing histories , such that said customers are incented to return to the retail establishment to purchase products in a future transaction . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US5388165A CLAIM 1 . A system for performing targeted marketing on customers in a retail establishment comprising : apparatus for entering selected indicia from instruments presented by customers at a point-of-sale , in order to generate a unique identification (vendor ID) code for each customer ; a bar code reader for detecting the universal product code on products purchased by said customers ; a terminal at the point-of-sale for entering data relating to the customer' ; s shopping transactions ; a processor responsive to said apparatus , bar code reader , and terminal for creating a centralized database of the store' ; s customers' ; transaction data during previous customer visits and data relating to universal product codes of products previously purchased by said customers , in association with said customers' ; unique identification code ; said processor generating a signal upon entry of unique identification codes of customers whose transactions prior to the current shopping visit at the store meet one of a plurality of predetermined purchasing history criteria ; and circuitry responsive to said processor and said database for dispensing a sales promotion at the point-of-sale to said customers whose prior transactions meet one of said predetermined purchasing history criteria , wherein said sales promotion provides different incentives to customers having different prior purchasing histories , such that said customers are incented to return to the retail establishment to purchase products in a future transaction . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5398932A Filed: 1993-12-21 Issued: 1995-03-21 Video lottery system with improved site controller and validation unit (Original Assignee) Video Lottery Tech Inc (Current Assignee) International Game Technology Lyle N. Eberhardt, Bryan L. Robertus |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (communications network) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (time set) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5398932A CLAIM 1 . A video lottery system for playing electronic games on multiple video lottery terminals , said system comprising : a central computer , located at a central site , for managing said video lottery system ; at least one gaming site remotely located from said central computer , said gaming site including : a plurality of video lottery terminals for playing electronic games and for generating cash tickets representing an amount won during said games , said terminals being separated into at least two groups , each group including at least one terminal ; multiple ring devices for controlling and managing said terminals , said multiple ring devices including one site controller for each group of terminals , and a communications network (communications network, bridge computer to maintain accounts) for connecting said site controllers to one another and for connecting each site controller to a corresponding group of said terminals , each site controller including means for authorizing terminals within said corresponding group to generate said cash tickets , each site controller including means for validating every cash ticket generated within said video lottery system . US5398932A CLAIM 42 . A communications protocol within a video lottery system , according to claim 37 , wherein said sets of data packets include a set of broadcast packets formatted to communicate with all types of logical devices , said set of broadcast packets including a time set (user account) ting packet and a site operational parameters packet for setting the time of day and operating hours of each logical device . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge (broadcast packet) fees paid by other service providers . |
US5398932A CLAIM 41 . A communications protocol within a video lottery system , according to claim 37 , wherein said sets of data packets include a set of broadcast packet (service charge) s formatted to communicate with all types of logical devices , said set of broadcast packets including a device query packet for assigning an unique logical device number to each logical device within each type of logical device . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers with referral fees when users associated with those service providers make purchases (up operation) at vendors associated with other service providers . |
US5398932A CLAIM 13 . A video lottery system for playing electronic games , according to claim 1 , wherein one of said site controllers operates as a issuing device , said issuing device comprises : initializing means for performing a start-up operation (service providers make purchases) to assign a new logical device number to each ring device , said initializing means performing a start-up by transmitting a series of ring break characters to each ring device , followed by a device query packet used to assign said new logical device numbers . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge (broadcast packet) for a bridge operator for the product purchase . |
US5398932A CLAIM 41 . A communications protocol within a video lottery system , according to claim 37 , wherein said sets of data packets include a set of broadcast packet (service charge) s formatted to communicate with all types of logical devices , said set of broadcast packets including a device query packet for assigning an unique logical device number to each logical device within each type of logical device . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID (message header) from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US5398932A CLAIM 5 . A video lottery system for playing electronic games , according to claim 1 , wherein each site controller comprises : means for transmitting data packets along said communications network to another site controller , each of said data packets including a message header (user ID) field uniquely identifying source and destination site controllers , and including a data field containing data addressed to the destination site controller . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (communications network) for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (information storage, multiple types) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5398932A CLAIM 1 . A video lottery system for playing electronic games on multiple video lottery terminals , said system comprising : a central computer , located at a central site , for managing said video lottery system ; at least one gaming site remotely located from said central computer , said gaming site including : a plurality of video lottery terminals for playing electronic games and for generating cash tickets representing an amount won during said games , said terminals being separated into at least two groups , each group including at least one terminal ; multiple ring devices for controlling and managing said terminals , said multiple ring devices including one site controller for each group of terminals , and a communications network (communications network, bridge computer to maintain accounts) for connecting said site controllers to one another and for connecting each site controller to a corresponding group of said terminals , each site controller including means for authorizing terminals within said corresponding group to generate said cash tickets , each site controller including means for validating every cash ticket generated within said video lottery system . US5398932A CLAIM 21 . A video lottery system for playing electronic games , according to claim 1 , said site controller further comprising : memory means for performing triple redundancy information storage (credit cards) of ticketing information received from said terminals and of validation information received from a cash ticket being redeemed . US5398932A CLAIM 37 . A communications protocol within a video lottery system for playing electronic games upon multiple video lottery terminals at a gaming site , said gaming site including multiple types (credit cards) of logical devices , connected to said terminals , for managing and obtaining gaming information from said terminals and from other logical devices , said logical devices being connected to a site management ring and communicating with one another along said management ring , said communications protocol comprising : multiple sets of data packets used for communication between said logical devices along said site management ring , each set of data packets corresponding to one type of logical device , each data packet being transmitted by a source logical device to a destination logical device , each data packet including a header segment uniquely identifying source and destination logical devices , and including a data segment containing information for the destination logical device , said header segment having a uniform format for all logical devices , said data field having a different format for each logical device . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5380991A Filed: 1993-11-16 Issued: 1995-01-10 Paperless coupon redemption system and method thereof (Original Assignee) Valencia; Luis; Howe; John Luis Valencia, John Howe |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (central location) to make a product purchase at a purchase price (product information) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5380991A CLAIM 9 . The system in accordance with claim 1 , further including a fourth terminal and a printing device provided at the retail establishment and in communication with said computer system , said fourth terminal provided with a means for reading the information provided on said card and comparing said information with product information (purchase price) contained in said computer system to provide a printed output indicating the best buys available to the customer . US5380991A CLAIM 23 . A method of providing discounts to products purchased by a customer at a retail establishment , comprising the steps of : developing a list of products to which a discount is to be applied at a central location (user device) ; communicating said list of products to at least one retail establishment ; entering said list of products along with their respective discounts , and the expiration date of said discounts , into a local computer system provided at each of the retail establishments , said local computer system also provided with the retail price of said list of products ; issuing a card to at least one customer , said card provided with an interface device , and a memory , said memory initially programmed with a first monetary amount from which the discounts based upon the products purchased by the customer are to be deducted ; each customer obtaining a plurality of products from the retail establishment ; entering information relating to each of the products obtained by the customer at a first terminal in communication with said local computer system ; comparing said information relating to each product entered in the previous step to retail price information as well as whether a particular product is subject to a discount , said comparison step performed in said local computer system ; inserting said card into a second terminal including a reader/writer ; comparing information contained in said memory of said card with information contained in said local computer system relating to the products which are subject to a discount ; writing a second monetary amount reflecting the monetary amount of discounts given to the customer in said memory . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (central location) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5380991A CLAIM 23 . A method of providing discounts to products purchased by a customer at a retail establishment , comprising the steps of : developing a list of products to which a discount is to be applied at a central location (user device) ; communicating said list of products to at least one retail establishment ; entering said list of products along with their respective discounts , and the expiration date of said discounts , into a local computer system provided at each of the retail establishments , said local computer system also provided with the retail price of said list of products ; issuing a card to at least one customer , said card provided with an interface device , and a memory , said memory initially programmed with a first monetary amount from which the discounts based upon the products purchased by the customer are to be deducted ; each customer obtaining a plurality of products from the retail establishment ; entering information relating to each of the products obtained by the customer at a first terminal in communication with said local computer system ; comparing said information relating to each product entered in the previous step to retail price information as well as whether a particular product is subject to a discount , said comparison step performed in said local computer system ; inserting said card into a second terminal including a reader/writer ; comparing information contained in said memory of said card with information contained in said local computer system relating to the products which are subject to a discount ; writing a second monetary amount reflecting the monetary amount of discounts given to the customer in said memory . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (smart card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5380991A CLAIM 19 . The system in accordance with claim 13 , wherein said card is an integrated circuit smart card (credit cards) and said memory is an erasable , programmable memory , and said card is further provided with a microprocessor , said erasable , programmable memory of said card containing information therein relating to the number and types of products which have previously been purchased by the customer . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5524073A Filed: 1993-09-14 Issued: 1996-06-04 Secure transaction system and method utilized therein (Original Assignee) Stambler; Leon Leon Stambler |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (transfer information) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5524073A CLAIM 10 . The system of claim 9 , wherein the means for authenticating the VAN is located at a processing entity associated with the processing jurisdiction , and wherein : if the originating physician is not licensed to practice in the processing jurisdiction , authorization for processing the medical prescription form in the processing jurisdiction is obtained from a correspondent physician licensed in the processing jurisdiction and wherein the system further includes means for generating a redemption VAN from the VAN and from information associated with the processing entity ; and means for associating the redemption VAN with the medical prescription form , such that the processing entity is account (s account) able for the processing of the medical prescription form . US5524073A CLAIM 15 . A system for automatically and instantaneously transferring funds from an account associated with an originator party to an account associated with a recipient party comprising : means for receiving from the originator party a personal identification number (PIN) associated with the originator party , information identifying the account of the originator party , information for identifying the account of the recipient party , and fund transfer information (communications network) including a transfer amount ; means for generating a variable authentication number (VAN) using the PIN of the originator party , the information identifying the account of the recipient party , and the fund transfer information ; means for determining whether the originator party is authentic by using the PIN of the originator party ; means for determining whether the fund transfer information is authentic by using the VAN ; means for transferring funds from the account of the originator party to the account of the recipient party only if the originator party and the funds transfer information are both determined to be authentic ; means for generating a redemption variable authentication number (RVAN) after the funds have been transferred to the account of the recipient party , the RVAN being generated using at least the funds transfer information ; and means for associating the RVAN with the funds transfer such that the funds transfer is substantiated by the |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | JPH0756888A Filed: 1993-08-11 Issued: 1995-03-03 Method and device for distributing software usage right (Original Assignee) Nippon Telegr & Teleph Corp <Ntt>; 日本電信電話株式会社 Yutaka Hirakawa, Haruhisa Ichikawa, Atsushi Kanai, 晴久 市川, 豊 平川, 敦 金井 |
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| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products from a vendor , wherein the new account (情報データ) is created with the service provider associated with that vendor . |
JPH0756888A CLAIM 1 【請求項１】 センタおよび端末を介してソフトウェア 使用権販売者およびソフトウェア利用者をネットワーク で接続し、 前記センタに使用権販売情報データ (new account) ベースを設け、 ソフトウェア提供者は提供するソフトウェアを一意に識 別するソフトウェアＩＤを該ソフトウェアに付与し、ソ フトウェア使用権販売者に予め単位回数または単位時間 だけ使用する権利である使用権を販売し、 ソフトウェア使用権販売者は自分を一意に識別する使用 権販売者ＩＤとともに前記ソフトウェアＩＤ、前記使用 権の合計数である使用権数を前記使用権販売情報データ ベースに格納し、ソフトウェア使用権販売者または第３ 者が提供するソフトウェアを前記ソフトウェアＩＤとと もにソフトウェア利用者に配布し、 ソフトウェア利用者は利用希望の前記ソフトウェアと前 記使用権販売者ＩＤを選択し、予め設定した自端末を一 意に識別する被課金者ＩＤとともに前記ソフトウェアＩ Ｄと前記使用権者ＩＤをセンタに送信し、 前記センタは前記ソフトウェアＩＤと前記使用権販売者 ＩＤを受信し、前記使用権販売情報データベース中の対 応する前記使用権数が０になっていない場合には、前記 使用権数を減算し、前記使用権数が０である場合には、 その旨をソフトウェア利用者に通知して通信を終了する ことを特徴とするソフトウェア使用権の流通方法。 1 . Software for connecting a software usage right seller and a software user via a network through a center and a terminal , providing a usage right sales information database in the center , and a software provider uniquely identifying the software to be provided . An ID is given to the software , and the software usage right seller sells the usage right , which is the right to use only a unit number of times or unit time , in advance , and the software usage right seller uniquely identifies himself with the usage right seller ID . The software ID and the number of usage rights , which is the total number of the usage rights , are stored in the usage right sales information database , and the software usage right seller or the third The software provided by the person is distributed to the software user together with the software ID , and the software user selects the software desired to be used and the usage right seller ID , and the payee who uniquely identifies the preset own terminal The software I with the ID D and the license holder ID are transmitted to the center , the center receives the software ID and the license seller ID , and the corresponding license number in the license sales information database is not 0 . In this case , the usage right number is subtracted , and when the usage right number is 0 , A method of distributing a software usage right characterized by notifying the software user of that fact and ending the communication . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (データベース, ネットワ) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
JPH0756888A CLAIM 2 【請求項２】 ソフトウェア使用権販売者用端末、ソフ トウェア利用者用端末およびセンタを接続するネットワ (multiple service providers) ークと、 前記センタに設けられている使用権販売情報データベー スと、 使用権販売者を一意に識別する使用権販売者ＩＤととも に、ソフトウェアを一意に識別するソフトウェアＩＤ、 ソフトウェアを単位回数または単位時間だけ使用する権 利であり、ソフトウェア提供者から購入した使用権の合 計である使用権数を前記使用権販売情報データベース (multiple service providers) に 格納する前記ソフトウェア使用権販売者用端末と、 利用希望のソフトウェアと前記使用権販売者ＩＤを選択 し、ソフトウェア利用者の予め設定した端末を一意に識 別する被課金者ＩＤとともに前記ソフトウェアＩＤと使 用権販売者ＩＤを前記センタに送信するソフトウェア利 用者用端末と、 前記ソフトウェアＩＤと使用権販売者ＩＤを受信し、前 記使用権販売情報データベースの中の対応する前記使用 権数が０になっていない場合には、前記使用権販売情報 データベースの中の使用権数を減算し、前記使用権数が ０である場合には、その旨をソフトウェア利用者へ通知 して通信を終了するセンタとを有することを特徴とする ソフトウェア使用権の流通装置。 2 . A network for connecting a software right-of-use seller terminal , a software user terminal , and a center , a right-of-use sales information database provided in the center , and usage for uniquely identifying the right-of-use seller . A software ID that uniquely identifies the software together with the rights seller ID , A right to use the software for a unit number of times or a unit time , and the software usage right seller terminal for storing the number of usage rights , which is the total number of the usage rights purchased from the software provider , in the usage right sales information database ; A software user who selects desired software and the usage right seller ID , and sends the software ID and the usage right seller ID to the center together with a payee ID that uniquely identifies a preset terminal of the software user . Terminal , the software ID and the right-of-use seller ID are received , and if the corresponding number of right-of-use in the right-of-use sales information database is not 0 , in the right-of-use sales information database If the number of usage rights is 0 , notify the software user to that effect . Distribution device software usage rights ; and a center to end the credit . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5329589A Filed: 1993-06-03 Issued: 1994-07-12 Mediation of transactions by a communications system (Original Assignee) AT&T Bell Laboratories Inc (Current Assignee) Nokia Bell Labs Alexander G. Fraser, Carlos A. Perea, Roy P. Weber |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (one transaction) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (transaction identifier) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider (to establish connection) ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5329589A CLAIM 1 . A method of employing a communications routing system of a type which functions generally to establish connection (different service provider) s with arbitrary ones of a plurality of entities to in addition mediate a transaction involving delayed payment between certain ones of the entities including a customer , a vendor , and an approving entity which approves the transaction , the method comprising the steps of : receiving a transaction specifier from the customer in the communications routing system ; and responding in the communications routing System to the transaction specifier by performing steps including obtaining at least an identifier known to the approving entity from the customer , obtaining at least a debit amount from the vendor , providing the identifier and the debit amount to the approving entity , receiving an indication from the approving entity whether the transaction is approved , and providing the indication to the vendor , the communications routing system functioning during the steps to establish connections with the certain ones of the entities as required for the steps . US5329589A CLAIM 13 . The method set forth in claim 12 wherein : for at least one of the first set of transaction types , the step of obtaining first transaction information includes the step of obtaining an entity identifier for at least one of the entities as part of the first transaction information ; and for the at least one transaction (electronic commerce, electronic commerce system) type , the step of providing second transaction information provides second transaction information which does not include the entity identifier . US5329589A CLAIM 26 . The method set forth in any one of claims 21 , 22 , 24 , or 25 wherein : the step of responding to the transaction specifier includes the steps of associating a transaction identifier (user account) with the transaction record and providing the transaction identifier to at least one of the entities ; and the step of responding to the further transaction specifier includes the steps of receiving the transaction identifier from the at least one entity and employing the transaction identifier to locate the associated transaction record . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider (to establish connection) . |
US5329589A CLAIM 1 . A method of employing a communications routing system of a type which functions generally to establish connection (different service provider) s with arbitrary ones of a plurality of entities to in addition mediate a transaction involving delayed payment between certain ones of the entities including a customer , a vendor , and an approving entity which approves the transaction , the method comprising the steps of : receiving a transaction specifier from the customer in the communications routing system ; and responding in the communications routing System to the transaction specifier by performing steps including obtaining at least an identifier known to the approving entity from the customer , obtaining at least a debit amount from the vendor , providing the identifier and the debit amount to the approving entity , receiving an indication from the approving entity whether the transaction is approved , and providing the indication to the vendor , the communications routing system functioning during the steps to establish connections with the certain ones of the entities as required for the steps . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider (to establish connection) . |
US5329589A CLAIM 1 . A method of employing a communications routing system of a type which functions generally to establish connection (different service provider) s with arbitrary ones of a plurality of entities to in addition mediate a transaction involving delayed payment between certain ones of the entities including a customer , a vendor , and an approving entity which approves the transaction , the method comprising the steps of : receiving a transaction specifier from the customer in the communications routing system ; and responding in the communications routing System to the transaction specifier by performing steps including obtaining at least an identifier known to the approving entity from the customer , obtaining at least a debit amount from the vendor , providing the identifier and the debit amount to the approving entity , receiving an indication from the approving entity whether the transaction is approved , and providing the indication to the vendor , the communications routing system functioning during the steps to establish connections with the certain ones of the entities as required for the steps . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5382779A Filed: 1993-05-07 Issued: 1995-01-17 Shelf price label verification apparatus and method (Original Assignee) DIGICOMP Res Corp (Current Assignee) DIGICOMP Res Corp Om P. Gupta |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (associated item) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider (data link) ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5382779A CLAIM 5 . A portable shelf price verification unit , for use in a system wherein a plurality of items in a store are identified with shelf price labels , each label having at least an item identification printed in barcoded form , and a price presented in both barcoded and human-readable form , comprising : a) scanner means for reading at least the item identification and shelf price from the barcode on the shelf price label ; b) memory means for storing at least the scanned item identification and the scanned shelf price from the barcode on the shelf price label ; c) database means for storing a plurality of item records , each record representing an item and containing at least an item identification and store checkout scanner price ; d) indicator means for communicating with the operator of the verification unit , e) processor means for controlling the scanner means , memory means , indicator means and database means , such that when the scanner means has scanned a shelf price label , the processor means loads the item identification into the memory means , looks up the item identification in the memory means in the database means , retrieves the associated item (purchase price, service providers make purchases) record for the item identified by the item identification , and compares the scanned shelf price and the price from the item record , and , if the shelf price and item record prices are not equal , provides a price error indication to the operator of the verification unit using the indicator means . US5382779A CLAIM 16 . The verification unit of claim 5 in which the store has a store computer controlling a plurality of checkout registers for scanning purchases by consumers , the database means is the database associated with the store computer which controls the checkout registers , and the portable verification unit further comprises a remote data link (different service provider) between the portable verification unit and the store computer . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (storage device) paid by other service providers . |
US5382779A CLAIM 11 . The verification unit of claim 5 in which the database means is a mass storage device (credit card service charge fees) located in the portable verification unit . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers with referral fees when users associated with those service providers make purchases (associated item) at vendors associated with other service providers . |
US5382779A CLAIM 5 . A portable shelf price verification unit , for use in a system wherein a plurality of items in a store are identified with shelf price labels , each label having at least an item identification printed in barcoded form , and a price presented in both barcoded and human-readable form , comprising : a) scanner means for reading at least the item identification and shelf price from the barcode on the shelf price label ; b) memory means for storing at least the scanned item identification and the scanned shelf price from the barcode on the shelf price label ; c) database means for storing a plurality of item records , each record representing an item and containing at least an item identification and store checkout scanner price ; d) indicator means for communicating with the operator of the verification unit , e) processor means for controlling the scanner means , memory means , indicator means and database means , such that when the scanner means has scanned a shelf price label , the processor means loads the item identification into the memory means , looks up the item identification in the memory means in the database means , retrieves the associated item (purchase price, service providers make purchases) record for the item identified by the item identification , and compares the scanned shelf price and the price from the item record , and , if the shelf price and item record prices are not equal , provides a price error indication to the operator of the verification unit using the indicator means . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (audible alarm) between service providers according to a predetermine schedule . |
US5382779A CLAIM 9 . The verification unit of claim 5 in which the price error indication is an audible alarm (bridge computer to settle accounts) . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider (data link) . |
US5382779A CLAIM 16 . The verification unit of claim 5 in which the store has a store computer controlling a plurality of checkout registers for scanning purchases by consumers , the database means is the database associated with the store computer which controls the checkout registers , and the portable verification unit further comprises a remote data link (different service provider) between the portable verification unit and the store computer . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider (data link) . |
US5382779A CLAIM 16 . The verification unit of claim 5 in which the store has a store computer controlling a plurality of checkout registers for scanning purchases by consumers , the database means is the database associated with the store computer which controls the checkout registers , and the portable verification unit further comprises a remote data link (different service provider) between the portable verification unit and the store computer . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5402872A Filed: 1993-02-25 Issued: 1995-04-04 Environmental protective amusement and vending method and apparatus (Original Assignee) Clurman; Grant G. Grant G. Clurman |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer (said platform) over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5402872A CLAIM 2 . Apparatus for disposing of , and compacting used beverage containers comprising : a housing designed to simulate the appearance of a slot machine ; a tiltable platform suitable to hold a beverage container ; a beverage container resting upon said platform (vendor computer) ; means to sense the material of which the beverage container is formed ; means to tilt the platform in a first direction so as to cause the beverage container to enter a metallic beverage container destruction means if the beverage container is metallic and means to tilt the platform in a second direction if the beverage container is plastic ; slot machine like reel mechanisms within said housing ; slot machine like activating means suitable to activate said reels and at the same time to tilt the beverage container platform destruction apparatus located within said housing ; and article dispensing means activated by said slot machine like activating means . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts (said housing) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5402872A CLAIM 2 . Apparatus for disposing of , and compacting used beverage containers comprising : a housing designed to simulate the appearance of a slot machine ; a tiltable platform suitable to hold a beverage container ; a beverage container resting upon said platform ; means to sense the material of which the beverage container is formed ; means to tilt the platform in a first direction so as to cause the beverage container to enter a metallic beverage container destruction means if the beverage container is metallic and means to tilt the platform in a second direction if the beverage container is plastic ; slot machine like reel mechanisms within said housing (service provider accounts) ; slot machine like activating means suitable to activate said reels and at the same time to tilt the beverage container platform destruction apparatus located within said housing ; and article dispensing means activated by said slot machine like activating means . |
| US6876979B2 CLAIM 12 . The method defined in claim 1 wherein the product is a tangible product , the method further comprising using a web site on the vendor computer (said platform) to offer the product for sale . |
US5402872A CLAIM 2 . Apparatus for disposing of , and compacting used beverage containers comprising : a housing designed to simulate the appearance of a slot machine ; a tiltable platform suitable to hold a beverage container ; a beverage container resting upon said platform (vendor computer) ; means to sense the material of which the beverage container is formed ; means to tilt the platform in a first direction so as to cause the beverage container to enter a metallic beverage container destruction means if the beverage container is metallic and means to tilt the platform in a second direction if the beverage container is plastic ; slot machine like reel mechanisms within said housing ; slot machine like activating means suitable to activate said reels and at the same time to tilt the beverage container platform destruction apparatus located within said housing ; and article dispensing means activated by said slot machine like activating means . |
| US6876979B2 CLAIM 13 . The method defined in claim 1 wherein the product is an intangible product , the method further comprising using a web site on the vendor computer (said platform) to offer the product for sale . |
US5402872A CLAIM 2 . Apparatus for disposing of , and compacting used beverage containers comprising : a housing designed to simulate the appearance of a slot machine ; a tiltable platform suitable to hold a beverage container ; a beverage container resting upon said platform (vendor computer) ; means to sense the material of which the beverage container is formed ; means to tilt the platform in a first direction so as to cause the beverage container to enter a metallic beverage container destruction means if the beverage container is metallic and means to tilt the platform in a second direction if the beverage container is plastic ; slot machine like reel mechanisms within said housing ; slot machine like activating means suitable to activate said reels and at the same time to tilt the beverage container platform destruction apparatus located within said housing ; and article dispensing means activated by said slot machine like activating means . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5327508A Filed: 1993-02-10 Issued: 1994-07-05 Method and system for building a database and performing marketing based upon prior shopping history (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp David W. Deaton, Rodney G. Gabriel |
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| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (bar code) between service providers according to a predetermine schedule . |
US5327508A CLAIM 1 . A system for performing targeted marketing on customers in a retail establishment comprising : a check reader for automatically reading the MICR code of a plurality of checks drawn on a plurality of different banking institutions , in order to generate unique identification codes for each customer ; a bar code (bridge computer to settle accounts) reader for detecting the universal product code on products purchased by said customers ; a terminal for entering data relating to the customer' ; s shopping habits ; a processing responsive to said check reader , bar code reader and terminal for creating a database of the store' ; s customers' ; transaction data and universal product does of products purchased by said customers in association with said customers' ; unique identification codes ; said processor generating a signal upon entry of unique identification codes of customers whose prior transactions at the store meet predetermined infrequent product purchasing history criteria ; and circuitry responsive to said signal for dispensing a sales promotion at the point-of-sale to said customers whose prior transactions meet predetermined infrequent product purchasing history criteria , wherein said sales promotion incents said customers to purchase said products in a future transaction . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service provider . |
US5327508A CLAIM 1 . A system for performing targeted marketing on customers in a retail establishment comprising : a check reader for automatically reading the MICR code of a plurality of checks drawn on a plurality of different banking institutions , in order to generate unique identification (vendor ID) codes for each customer ; a bar code reader for detecting the universal product code on products purchased by said customers ; a terminal for entering data relating to the customer' ; s shopping habits ; a processing responsive to said check reader , bar code reader and terminal for creating a database of the store' ; s customers' ; transaction data and universal product does of products purchased by said customers in association with said customers' ; unique identification codes ; said processor generating a signal upon entry of unique identification codes of customers whose prior transactions at the store meet predetermined infrequent product purchasing history criteria ; and circuitry responsive to said signal for dispensing a sales promotion at the point-of-sale to said customers whose prior transactions meet predetermined infrequent product purchasing history criteria , wherein said sales promotion incents said customers to purchase said products in a future transaction . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID (unique identification) from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service provider . |
US5327508A CLAIM 1 . A system for performing targeted marketing on customers in a retail establishment comprising : a check reader for automatically reading the MICR code of a plurality of checks drawn on a plurality of different banking institutions , in order to generate unique identification (vendor ID) codes for each customer ; a bar code reader for detecting the universal product code on products purchased by said customers ; a terminal for entering data relating to the customer' ; s shopping habits ; a processing responsive to said check reader , bar code reader and terminal for creating a database of the store' ; s customers' ; transaction data and universal product does of products purchased by said customers in association with said customers' ; unique identification codes ; said processor generating a signal upon entry of unique identification codes of customers whose prior transactions at the store meet predetermined infrequent product purchasing history criteria ; and circuitry responsive to said signal for dispensing a sales promotion at the point-of-sale to said customers whose prior transactions meet predetermined infrequent product purchasing history criteria , wherein said sales promotion incents said customers to purchase said products in a future transaction . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5283731A Filed: 1992-12-23 Issued: 1994-02-01 Computer-based classified ad system and method (Original Assignee) EC Corp (Current Assignee) EC Corp James E. Lalonde, Terry R. Dettmann |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price (other items) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers (such items) wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5283731A CLAIM 4 . The system of claim 2 , further comprising means for calling a telephone number designated by the individual in a field of the want ad to deliver information from said subsequently created ads about such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) that are similar to the specific item . US5283731A CLAIM 5 . The system of claim 1 , wherein the means for assembling also assemble a voice output message that conveys the data in the fields of the similar ads over the telephone to the individual , thereby providing information about other items (purchase price, purchase price using funds) similar to said specific item to the individual . US5283731A CLAIM 13 . The system of claim 12 , wherein said means for searching determines that a first ad in said database (user device) does not match the ad for the specified item if said at least one basic field of said first ad and of said ad for the specified item are not within a first specified tolerance of one another . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers (such items) for credit card service charge fees paid by other service providers . |
US5283731A CLAIM 4 . The system of claim 2 , further comprising means for calling a telephone number designated by the individual in a field of the want ad to deliver information from said subsequently created ads about such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) that are similar to the specific item . |
| US6876979B2 CLAIM 3 . The method defined in claim 1 further comprising crediting service providers (such items) with referral fees when users associated with those service providers make purchases at vendors associated with other service providers . |
US5283731A CLAIM 4 . The system of claim 2 , further comprising means for calling a telephone number designated by the individual in a field of the want ad to deliver information from said subsequently created ads about such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) that are similar to the specific item . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts between service providers (such items) according to a predetermine schedule . |
US5283731A CLAIM 4 . The system of claim 2 , further comprising means for calling a telephone number designated by the individual in a field of the want ad to deliver information from said subsequently created ads about such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) that are similar to the specific item . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information on which vendors are associated with which service providers (such items) . |
US5283731A CLAIM 4 . The system of claim 2 , further comprising means for calling a telephone number designated by the individual in a field of the want ad to deliver information from said subsequently created ads about such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) that are similar to the specific item . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5283731A CLAIM 13 . The system of claim 12 , wherein said means for searching determines that a first ad in said database (user device) does not match the ad for the specified item if said at least one basic field of said first ad and of said ad for the specified item are not within a first specified tolerance of one another . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (such items) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US5283731A CLAIM 4 . The system of claim 2 , further comprising means for calling a telephone number designated by the individual in a field of the want ad to deliver information from said subsequently created ads about such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) that are similar to the specific item . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service (obtain information) providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers (such items) accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5283731A CLAIM 1 . A computer based classified ad system comprising : (a) data processing means including : (i) means for creating an ad database comprising a plurality of ads , each ad comprising text data in fields describing an item available through the system , a unique ad number being assigned to each ad for use with text ads distributed outside the computer based classified ad system ; (ii) means for receiving telephone calls from an individual desiring to obtain information (multiple service) about a specific item available through the system , including means for processing an ad number entered by the individual via a telephone , to identify the ad for the specific item referenced in one of the text ads distributed outside the computer based classified ad system ; (iii) means , coupled to said means for receiving telephone calls , for recalling data comprising the ad for the specific item , based upon the ad number entered by the individual ; and (iv) means , coupled to said means for recalling data and coupled to said means for creating an ad database , for searching the database for other ads for items similar to the specific item , based on data in predefined fields of the ad for the specific item matching data in corresponding fields of the ads for the items thus determined to be similar ; and (b) means , coupled to said data processing means , for assembling a voice output message conveying the data in the fields of the ad for the specific item over the telephone to the individual , thereby providing information about the specific item to the individual . US5283731A CLAIM 4 . The system of claim 2 , further comprising means for calling a telephone number designated by the individual in a field of the want ad to deliver information from said subsequently created ads about such items (service providers, service providers make purchases, user attempts to purchase products, service providers using credit cards) that are similar to the specific item . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5287268A Filed: 1992-11-16 Issued: 1994-02-15 Centralized consumer cash value accumulation system for multiple merchants (Original Assignee) Mccarthy Patrick D Patrick D. McCarthy |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (central location) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account (s account) by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5287268A CLAIM 1 . A method of consumer cash value accumulation based upon point-of-sale transactions between consumers and merchants , the method comprising : a . at the point-of-sale , obtaining from the consumer an account number unique to the consumer ; b . at a merchant location , determining a credit value for the transaction ; c . electronically providing , for each transaction , from the merchant location to a central system the consumer' ; s account (s account) number and the credit value ; d . for each transaction , accumulating , at the central system , cash value in a consumer account associated with that consumer' ; s account number by increasing the cash value in that consumer account in relation to the credit value . US5287268A CLAIM 8 . A centralized consumer cash value system for transaction between consumers and multiple merchants comprising : at each merchant location at least : consumer data input means at the point-of-sale for inputting an account number ; processor means for determining a credit value for the transaction ; and first communication means for electronically transmitting to the central system the consumer' ; s account number and the credit value related to each transaction ; and at a central location (user device) a central system having at least : second communication means for electronically receiving the consumer' ; s account number and the credit value related to each transaction ; and consumer account memory means for storing cash values for a plurality of consumer accounts , each consumer account being associated with a respective , unique account number ; processor means for incrementing the cash value in a consumer account associated with a received consumer account number in relation to the received credit value . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (central location) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5287268A CLAIM 8 . A centralized consumer cash value system for transaction between consumers and multiple merchants comprising : at each merchant location at least : consumer data input means at the point-of-sale for inputting an account number ; processor means for determining a credit value for the transaction ; and first communication means for electronically transmitting to the central system the consumer' ; s account number and the credit value related to each transaction ; and at a central location (user device) a central system having at least : second communication means for electronically receiving the consumer' ; s account number and the credit value related to each transaction ; and consumer account memory means for storing cash values for a plurality of consumer accounts , each consumer account being associated with a respective , unique account number ; processor means for incrementing the cash value in a consumer account associated with a received consumer account number in relation to the received credit value . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (multiple merchants) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5287268A CLAIM 8 . A centralized consumer cash value system for transaction between consumers and multiple merchants (credit cards, service providers using credit cards) comprising : at each merchant location at least : consumer data input means at the point-of-sale for inputting an account number ; processor means for determining a credit value for the transaction ; and first communication means for electronically transmitting to the central system the consumer' ; s account number and the credit value related to each transaction ; and at a central location a central system having at least : second communication means for electronically receiving the consumer' ; s account number and the credit value related to each transaction ; and consumer account memory means for storing cash values for a plurality of consumer accounts , each consumer account being associated with a respective , unique account number ; processor means for incrementing the cash value in a consumer account associated with a received consumer account number in relation to the received credit value . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | EP0542298A2 Filed: 1992-11-13 Issued: 1993-05-19 Electronic monetary system (Original Assignee) Citibank NA (Current Assignee) Citibank NA Sholom S. Rosen |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (public key) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
EP0542298A2 CLAIM 9 . An electronic monetary system according to claim 1 or claim 2 wherein said generating means further comprises a public key (purchase price using funds) digital forming means for forming a digital signature on said electronic representations of currency or said electronic representations of credit . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (demand deposits) paid by other service providers . |
EP0542298A2 CLAIM 1 . An electronic monetary system for providing transactions utilizing electronic representations of currency backed by demand deposits (credit card service charge fees, credit cards, service providers using credit cards) in a bank comprising : means for generating said electronic representations of currency ; teller means for issuing and distributing said electronic representations of currency ; transacting means for storing , and for transferring said electronic representations of currency between other transacting means and between said transacting means and said teller means . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (demand deposits) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
EP0542298A2 CLAIM 1 . An electronic monetary system for providing transactions utilizing electronic representations of currency backed by demand deposits (credit card service charge fees, credit cards, service providers using credit cards) in a bank comprising : means for generating said electronic representations of currency ; teller means for issuing and distributing said electronic representations of currency ; transacting means for storing , and for transferring said electronic representations of currency between other transacting means and between said transacting means and said teller means . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5353218A Filed: 1992-09-17 Issued: 1994-10-04 Focused coupon system (Original Assignee) Ad Response Micromarketing Corp (Current Assignee) Catalina Marketing Corp James P. De Lapa, Charles F. Howe |
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| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (bar code) between service providers according to a predetermine schedule . |
US5353218A CLAIM 10 . The method of claim 9 wherein said single machine-readable code is a bar code (bridge computer to settle accounts) . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (data record) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US5353218A CLAIM 41 . The method in claim 39 including transmitting to said point-of-sale terminal coupon data record (user attempts to purchase products) s and corresponding coupon identification number in order to update said look-up database . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5276311A Filed: 1992-07-01 Issued: 1994-01-04 Method and device for simplifying the use of a plurality of credit cards, or the like (Original Assignee) Hartmut Hennige (Current Assignee) E-PASS TECHNOLOGIES Inc Hartmut Hennige |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (stored data) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5276311A CLAIM 18 . The method according to claim 17 wherein said checking terminal erases said stored data (user account) sets of the multi-function card in response to use of an incorrect secret code of the multi-function card . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (credit cards) paid by other service providers . |
US5276311A CLAIM 1 . A method for enabling a user of an electronic multi-function card to select data from a plurality of data sources such as credit cards (credit card service charge fees, credit cards) , check cards , customer cards , identity cards , documents , keys , access information and master keys comprising the steps of : transferring a data set from each of the plurality of data sources to the multi-function card ; storing said transferred data set from each of the plurality of data sources in the multi-function card ; assigning a secret code to activate the multi-function card ; entering said secret code into the multi-function card to activate the same ; selecting with said activated multi-function card a select one of said data sets ; and displaying on the multi-function card in at least one predetermined display area the data of said selected data set . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information (predetermined power) on which vendors are associated with which service providers . |
US5276311A CLAIM 42 . The device according to claim 41 , wherein said multi-function card includes at least two batteries , one of said batteries being operable to power said multi-function card when the other of said batteries falls below a predetermined power (contains information) level . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (very time) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US5276311A CLAIM 39 . The device according to claim 36 , wherein said multi-function card further comprises at least one battery and wherein said checking terminal further comprises charging means for charging said battery every time (user attempts to purchase products) said multi-function card is inserted into said checking terminal . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (electrical contacts) for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (credit cards) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5276311A CLAIM 1 . A method for enabling a user of an electronic multi-function card to select data from a plurality of data sources such as credit cards (credit card service charge fees, credit cards) , check cards , customer cards , identity cards , documents , keys , access information and master keys comprising the steps of : transferring a data set from each of the plurality of data sources to the multi-function card ; storing said transferred data set from each of the plurality of data sources in the multi-function card ; assigning a secret code to activate the multi-function card ; entering said secret code into the multi-function card to activate the same ; selecting with said activated multi-function card a select one of said data sets ; and displaying on the multi-function card in at least one predetermined display area the data of said selected data set . US5276311A CLAIM 5 . The method according to claim 3 , wherein the multi-function card further comprises electrical contacts (bridge computer to maintain accounts) and wherein said checking terminal comprises a slot for receiving said multi-function card and reading and evaluating said data from the inserted multi-function card through said electrical contacts . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5369705A Filed: 1992-06-03 Issued: 1994-11-29 Multi-party secure session/conference (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp Raymond F. Bird, Amir Herzberg, Philippe A. Janson, Shay Kutten, Refik A. Molva, Marcel M. Yung |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (communications network) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (time elapse) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5369705A CLAIM 1 . A method of providing secure communications between terminals of a communications network (communications network, bridge computer to maintain accounts) , said method comprising : (a) storing in a server of said network an initial user key for each of said terminals , each corresponding said user key being known only to said server and a corresponding one of said terminals ; (b) transmitting , upon the event of a group of said terminals indicating a desire to communicate with each other , corresponding alleged identity and corresponding freshness information from each terminal of said group of terminals , said freshness information indicating the happening of said event and the time elapse (different service, different service provider) d since said event occurred and being associated with said group and said event , each said alleged identity information and each said freshness information being transmitted to said server , each said alleged identity and freshness information being dynamically routed to said server on current available paths of said network ; (c) generating a group key which is held in a secure fashion and is usable only by said group of terminals for only a predetermined time interval following said event ; (d) computing coded information for each terminal of said group of terminals , said coded information being dependent upon said group key , corresponding said freshness information , corresponding said user key , and upon an alleged identification of a user ; (e) transmitting to each of said terminals of said group corresponding said coded information along with an attached clear text tag representing said each terminal on said current available paths of said network ; and (f) extracting said group key , by each of said terminals , based upon corresponding said coded information , by employing said user key of said each terminal , said corresponding coded information being identified by a corresponding said attached tag , said extracting in step (f) being successful only if an alleged user is actually the user it alleges to be in step (b) , said users communicating securely with each other using said group key , repeating steps (b) through (f) when another group of said terminals indicate that they desire to communicate with each other , wherein a new group key is generated . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information (user U) on which vendors are associated with which service providers . |
US5369705A CLAIM 5 . In a communications network having N interconnected terminals , a method of authenticating any selected group of n of said N terminals to each other , said method comprising : (a) storing an initial user key K i for each of said N terminals , where i≦1≦N , where K i is a secret shared only between terminal U i and a server ; (b) transmitting , upon the event of a group of said terminals indicating a desire to communicate with each other , freshness information N i from each of said selected terminals of said group U i to said server terminals , said group key K g being held in a secure fashion and being usable only by said group of terminals for only a predetermined time following said event off ; (c) generating a group key K g by said server for said selected group of n , said freshness information indicating the happening of said event and the time elapsed since said event occurred and being associated with said group and said event ; (d) transmitting a unit of coded information C i from said server to each terminal U i of said group of n terminals , each coded information C i being information F i exclusively OR' ; d with said group key and identified by a clear text tag T i corresponding to terminal U i , said C i ' ; s being transmitted in an arbitrary order , where said C is can be dynamically routed on current available paths of said network ; and (e) extracting said group key by each user U (contains information) i from said corresponding unit of coded information C i by exclusive-OR-ing C i with information I i where I i can only be determined with knowledge of K i , each terminal U i authenticating itself to other users of said selected group of n users by encryption of information with said group key K g , repeating steps (b) through (f) when another group of said terminals indicate that they desire to communicate with each other . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (time elapse) provider . |
US5369705A CLAIM 1 . A method of providing secure communications between terminals of a communications network , said method comprising : (a) storing in a server of said network an initial user key for each of said terminals , each corresponding said user key being known only to said server and a corresponding one of said terminals ; (b) transmitting , upon the event of a group of said terminals indicating a desire to communicate with each other , corresponding alleged identity and corresponding freshness information from each terminal of said group of terminals , said freshness information indicating the happening of said event and the time elapse (different service, different service provider) d since said event occurred and being associated with said group and said event , each said alleged identity information and each said freshness information being transmitted to said server , each said alleged identity and freshness information being dynamically routed to said server on current available paths of said network ; (c) generating a group key which is held in a secure fashion and is usable only by said group of terminals for only a predetermined time interval following said event ; (d) computing coded information for each terminal of said group of terminals , said coded information being dependent upon said group key , corresponding said freshness information , corresponding said user key , and upon an alleged identification of a user ; (e) transmitting to each of said terminals of said group corresponding said coded information along with an attached clear text tag representing said each terminal on said current available paths of said network ; and (f) extracting said group key , by each of said terminals , based upon corresponding said coded information , by employing said user key of said each terminal , said corresponding coded information being identified by a corresponding said attached tag , said extracting in step (f) being successful only if an alleged user is actually the user it alleges to be in step (b) , said users communicating securely with each other using said group key , repeating steps (b) through (f) when another group of said terminals indicate that they desire to communicate with each other , wherein a new group key is generated . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (time elapse) provider . |
US5369705A CLAIM 1 . A method of providing secure communications between terminals of a communications network , said method comprising : (a) storing in a server of said network an initial user key for each of said terminals , each corresponding said user key being known only to said server and a corresponding one of said terminals ; (b) transmitting , upon the event of a group of said terminals indicating a desire to communicate with each other , corresponding alleged identity and corresponding freshness information from each terminal of said group of terminals , said freshness information indicating the happening of said event and the time elapse (different service, different service provider) d since said event occurred and being associated with said group and said event , each said alleged identity information and each said freshness information being transmitted to said server , each said alleged identity and freshness information being dynamically routed to said server on current available paths of said network ; (c) generating a group key which is held in a secure fashion and is usable only by said group of terminals for only a predetermined time interval following said event ; (d) computing coded information for each terminal of said group of terminals , said coded information being dependent upon said group key , corresponding said freshness information , corresponding said user key , and upon an alleged identification of a user ; (e) transmitting to each of said terminals of said group corresponding said coded information along with an attached clear text tag representing said each terminal on said current available paths of said network ; and (f) extracting said group key , by each of said terminals , based upon corresponding said coded information , by employing said user key of said each terminal , said corresponding coded information being identified by a corresponding said attached tag , said extracting in step (f) being successful only if an alleged user is actually the user it alleges to be in step (b) , said users communicating securely with each other using said group key , repeating steps (b) through (f) when another group of said terminals indicate that they desire to communicate with each other , wherein a new group key is generated . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (communications network) for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5369705A CLAIM 1 . A method of providing secure communications between terminals of a communications network (communications network, bridge computer to maintain accounts) , said method comprising : (a) storing in a server of said network an initial user key for each of said terminals , each corresponding said user key being known only to said server and a corresponding one of said terminals ; (b) transmitting , upon the event of a group of said terminals indicating a desire to communicate with each other , corresponding alleged identity and corresponding freshness information from each terminal of said group of terminals , said freshness information indicating the happening of said event and the time elapsed since said event occurred and being associated with said group and said event , each said alleged identity information and each said freshness information being transmitted to said server , each said alleged identity and freshness information being dynamically routed to said server on current available paths of said network ; (c) generating a group key which is held in a secure fashion and is usable only by said group of terminals for only a predetermined time interval following said event ; (d) computing coded information for each terminal of said group of terminals , said coded information being dependent upon said group key , corresponding said freshness information , corresponding said user key , and upon an alleged identification of a user ; (e) transmitting to each of said terminals of said group corresponding said coded information along with an attached clear text tag representing said each terminal on said current available paths of said network ; and (f) extracting said group key , by each of said terminals , based upon corresponding said coded information , by employing said user key of said each terminal , said corresponding coded information being identified by a corresponding said attached tag , said extracting in step (f) being successful only if an alleged user is actually the user it alleges to be in step (b) , said users communicating securely with each other using said group key , repeating steps (b) through (f) when another group of said terminals indicate that they desire to communicate with each other , wherein a new group key is generated . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5201010A Filed: 1992-05-19 Issued: 1993-04-06 Method and system for building a database and performing marketing based upon prior shopping history (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp David W. Deaton, Rodney G. Gabriel |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (data terminal) system having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (stored data) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5201010A CLAIM 1 . A method of building a customer database using checks from a variety of different banks comprising : detecting a customer' ; s checking account identification number for use as a unique customer identification code ; entering the unique customer identification code into a processor containing a database that maintains customer records including the customer' ; s name and address , the checking account identification number , and customer transactional data over a pre-selected time interval ; comparing said checking account identification code with said database (user device) ; generating a response with said processor to signal the presence of the customer' ; s identification code or the failure to locate the customer' ; s identification code ; creating a new record in said database for that customer' ; s identification code in response to a processor response indicating the failure to locate , so that the customer' ; s name and address is entered into the record along with the customer' ; s transactional data ; and selecting customers in said database whose last transaction date is prior to a pre-selected interval of inactivity so that that grouping of infrequent customers is available for marketing efforts . US5201010A CLAIM 6 . The method of claim 2 and further comprising : storing data related to the location of a specified portion of MICR codes for a plurality of banking institutions ; and creating said unique customer identification code in response to said stored data (user account) . US5201010A CLAIM 36 . The system of claim 34 wherein said means for entering comprises a data terminal (electronic commerce) for being operated by the store clerk . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5201010A CLAIM 1 . A method of building a customer database using checks from a variety of different banks comprising : detecting a customer' ; s checking account identification number for use as a unique customer identification code ; entering the unique customer identification code into a processor containing a database that maintains customer records including the customer' ; s name and address , the checking account identification number , and customer transactional data over a pre-selected time interval ; comparing said checking account identification code with said database (user device) ; generating a response with said processor to signal the presence of the customer' ; s identification code or the failure to locate the customer' ; s identification code ; creating a new record in said database for that customer' ; s identification code in response to a processor response indicating the failure to locate , so that the customer' ; s name and address is entered into the record along with the customer' ; s transactional data ; and selecting customers in said database whose last transaction date is prior to a pre-selected interval of inactivity so that that grouping of infrequent customers is available for marketing efforts . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5237620A Filed: 1992-05-19 Issued: 1993-08-17 Check reader method and system for reading check MICR code (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp David W. Deaton, Rodney G. Gabriel |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (stored data) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5237620A CLAIM 13 . The method of claim 12 and further comprising : storing data in a memory representative of the location of check sequence numbers of the MICR code of a plurality of banking institutions ; and utilizing said stored data (user account) to omit said check sequence numbers from the MICR code . US5237620A CLAIM 15 . The method of claim 14 and further comprising performing check verification on checks read by said check reader in response to said database (user device) . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5237620A CLAIM 15 . The method of claim 14 and further comprising performing check verification on checks read by said check reader in response to said database (user device) . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5305196A Filed: 1992-05-19 Issued: 1994-04-19 Check transaction processing, database building and marketing method and system utilizing automatic check reading (Original Assignee) Credit Verification Corp (Current Assignee) Catalina Marketing Corp David W. Deaton, Rodney G. Gabriel |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (further data) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5305196A CLAIM 1 . A method for building a database for use in a retail store marketing program comprising : scanning a customer' ; s check which has been received at the retail store to detect a checking account identification number , said checking account identification number providing a unique customer identification code to distinguish between a plurality of customers using a plurality of different banking institutions ; transmitting said detected unique customer identification code to a data processor which includes a stored database of unique customer identification codes ; comparing said unique customer identification code against said stored database ; detecting the occurrence of a match between information in said stored database and said detected unique customer identification code ; when a match occurs , determining if predetermined identification criteria related to said detected unique customer identification code is in said stored database ; if said predetermined identification criteria is found in said stored database , transmitting a signal from said data processor to the location of said check scanning to indicate that the customer record is complete and that no further data (communications network) is required ; if said predetermined identification criteria is not found in said stored database , transmitting a signal to the location of said check scanning to indicate that insufficient identification criteria exists such that steps may be initiated to input required additional identification criteria into said database (user device) , and ; entering said additional identification criteria into said database for storage in conjunction with said unique customer identification code . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (bar code) between service providers according to a predetermine schedule . |
US5305196A CLAIM 13 . The system of claim 10 and further comprising a bar code (bridge computer to settle accounts) reader for transmitting information to said processor . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5305196A CLAIM 1 . A method for building a database for use in a retail store marketing program comprising : scanning a customer' ; s check which has been received at the retail store to detect a checking account identification number , said checking account identification number providing a unique customer identification code to distinguish between a plurality of customers using a plurality of different banking institutions ; transmitting said detected unique customer identification code to a data processor which includes a stored database of unique customer identification codes ; comparing said unique customer identification code against said stored database ; detecting the occurrence of a match between information in said stored database and said detected unique customer identification code ; when a match occurs , determining if predetermined identification criteria related to said detected unique customer identification code is in said stored database ; if said predetermined identification criteria is found in said stored database , transmitting a signal from said data processor to the location of said check scanning to indicate that the customer record is complete and that no further data is required ; if said predetermined identification criteria is not found in said stored database , transmitting a signal to the location of said check scanning to indicate that insufficient identification criteria exists such that steps may be initiated to input required additional identification criteria into said database (user device) , and ; entering said additional identification criteria into said database for storage in conjunction with said unique customer identification code . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | WO9215174A1 Filed: 1992-02-25 Issued: 1992-09-03 Interactive transaction processing system (Original Assignee) Beaumont-Maxin International Limited Hillard T. Grusin, Madeleine Grusin, Alexander Thomas, Clifford J. Diamond, Michael Fernandes |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (interactive system, data terminal) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service (subscriber terminal) provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
WO9215174A1 CLAIM 1 . An interactive system (electronic commerce) comprising : host computer means for performing data operations ; a plurality of workstation terminal means connected to said host computer for displaying data from said host computer and for providing input to said host computer , television network means for transmitting video information to a plurality of subscriber video terminals ; and a plurality of subscriber data terminal (electronic commerce) means for supplying data to said host computer . WO9215174A1 CLAIM 3 . An interactive system according to claim 2 wherein said television network comprises television signal broadcast mean≤ for supplying said video information to said subscriber video terminals and said subscriber terminal (different service) means comprises telephone transmission means for supplying said data from said subscriber terminal means to said host computer . |
| US6876979B2 CLAIM 6 . The method defined in claim 1 further comprising using the bridge computer to maintain a database that contains information (contains information) on which vendors are associated with which service providers . |
WO9215174A1 CLAIM 4 . An interactive system according to claim 3 wherein said video information produces an image of an item being sold on each of said subscriber video terminals and said data contains information (contains information) about the price of said item . |
| US6876979B2 CLAIM 8 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor ; and using the bridge computer to determine using the vendor ID whether the given vendor is associated with the same service provider with which the user has the account or at a different service (subscriber terminal) provider . |
WO9215174A1 CLAIM 3 . An interactive system according to claim 2 wherein said television network comprises television signal broadcast mean≤ for supplying said video information to said subscriber video terminals and said subscriber terminal (different service) means comprises telephone transmission means for supplying said data from said subscriber terminal means to said host computer . |
| US6876979B2 CLAIM 9 . The method defined in claim 1 further comprising : using the bridge computer to receive a vendor ID from the given vendor and to receive a user ID from the user ; and using the bridge computer to determine from the vendor ID and user ID whether the given vendor is associated with the same service provider at which the user has the account or at a different service (subscriber terminal) provider . |
WO9215174A1 CLAIM 3 . An interactive system according to claim 2 wherein said television network comprises television signal broadcast mean≤ for supplying said video information to said subscriber video terminals and said subscriber terminal (different service) means comprises telephone transmission means for supplying said data from said subscriber terminal means to said host computer . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5375055A Filed: 1992-02-03 Issued: 1994-12-20 Credit management for electronic brokerage system (Original Assignee) Foreign Exchange Transaction Services Inc (Current Assignee) EBS Dealing Resources Inc Michael Togher, Michael F. Dunne, Richard Hartheimer |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price (electronic price) from a given vendor having a web site provided by a vendor computer over a communications network (communications network) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5375055A CLAIM 1 . A comprized trading system for trading of financial instruments between traders trading at a plurality of trading floors , said system comprising a communication network for transmitting electronic messages , a plurality of trader terminals each associated with a respective one of said trading floors and connected to the communication network , for generating electronic price (purchase price) quotation messages including bid and/or offer prices , and communicating selected bid and offer price information based on price quotation messages originating from other said trading floors and received over the communication network , credit limit administration processing means connected to the communication network , for automatically determining whether a predetermined level of credit is currently available from each trading floor to each of the other trading floors , and dealable price distribution processing means connected to said communication network and responsive to said price quotation messages as well as to said credit limit administration means for automatically transmitting dealable price messages to the terminals of at least one particular trading floor , said dealable price messages being derived only from price quotation messages from those trading floors for which said credit administration means has determined said predetermined level of credit is currently available on a bilateral basis both from and to said particular trading floor . US5375055A CLAIM 17 . The trading system of claim 1 , wherein said credit limit adminstration means is responsive to unilateral credit update messages over the communications network (communications network, bridge computer to maintain accounts) from the individual trading floors . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (electronic credit) paid by other service providers . |
US5375055A CLAIM 10 . The trading system of claim 1 , further comprising a plurality of access nodes connected to the communication network , including a first access node associated only with a first trading floor and a second access node associated only with a second trading floor , for maintaining a record of all trades executed on behalf of an associated trading floor , and one or more distribution nodes connected to the communication network , wherein said access nodes collectively comprise said credit authorization processing means , said distribution nodes collectively comprise said dealable price distribution processing means , said access nodes transmit over the communication network to said distribution nodes credit update messages which indicate whether said predetermined level of credit is currently available on a unilateral basis from one trading floor to another trading floor without indicating the extent of any credit currently remaining above said predetermined level , said dealable price distribution processing means maintains at each of said distribution nodes an ordered list of at least those of said price quotation messages which are not yet withdrawn or reserved and a preauthorization matrix whose individual entries collectively indicate whether or not said predetermined level of credit is available on a bilateral basis between each of its respective trading floors and each of said plurality of trading floors , said dealable price information is transmitted from each said distribution node to one or more of said access nodes for eventual transmission to associated ones of said terminals each said access node is located on the premises of a respective trading floor and contains only credit information originating with said respective trading floor , said credit limit adminstration means transmits an electronic credit (credit card service charge fees, credit cards, service providers using credit cards) update message to said distribution nodes whenever a predetermined minimum level of credit becomes available or is no longer available to a particular said trading floor , and said credit update message does not specify the amount of credit available . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (communications network) for multiple service providers (financial instruments) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (electronic credit) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5375055A CLAIM 1 . A comprized trading system for trading of financial instruments (multiple service providers) between traders trading at a plurality of trading floors , said system comprising a communication network for transmitting electronic messages , a plurality of trader terminals each associated with a respective one of said trading floors and connected to the communication network , for generating electronic price quotation messages including bid and/or offer prices , and communicating selected bid and offer price information based on price quotation messages originating from other said trading floors and received over the communication network , credit limit administration processing means connected to the communication network , for automatically determining whether a predetermined level of credit is currently available from each trading floor to each of the other trading floors , and dealable price distribution processing means connected to said communication network and responsive to said price quotation messages as well as to said credit limit administration means for automatically transmitting dealable price messages to the terminals of at least one particular trading floor , said dealable price messages being derived only from price quotation messages from those trading floors for which said credit administration means has determined said predetermined level of credit is currently available on a bilateral basis both from and to said particular trading floor . US5375055A CLAIM 10 . The trading system of claim 1 , further comprising a plurality of access nodes connected to the communication network , including a first access node associated only with a first trading floor and a second access node associated only with a second trading floor , for maintaining a record of all trades executed on behalf of an associated trading floor , and one or more distribution nodes connected to the communication network , wherein said access nodes collectively comprise said credit authorization processing means , said distribution nodes collectively comprise said dealable price distribution processing means , said access nodes transmit over the communication network to said distribution nodes credit update messages which indicate whether said predetermined level of credit is currently available on a unilateral basis from one trading floor to another trading floor without indicating the extent of any credit currently remaining above said predetermined level , said dealable price distribution processing means maintains at each of said distribution nodes an ordered list of at least those of said price quotation messages which are not yet withdrawn or reserved and a preauthorization matrix whose individual entries collectively indicate whether or not said predetermined level of credit is available on a bilateral basis between each of its respective trading floors and each of said plurality of trading floors , said dealable price information is transmitted from each said distribution node to one or more of said access nodes for eventual transmission to associated ones of said terminals each said access node is located on the premises of a respective trading floor and contains only credit information originating with said respective trading floor , said credit limit adminstration means transmits an electronic credit (credit card service charge fees, credit cards, service providers using credit cards) update message to said distribution nodes whenever a predetermined minimum level of credit becomes available or is no longer available to a particular said trading floor , and said credit update message does not specify the amount of credit available . US5375055A CLAIM 17 . The trading system of claim 1 , wherein said credit limit adminstration means is responsive to unilateral credit update messages over the communications network (communications network, bridge computer to maintain accounts) from the individual trading floors . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5205200A Filed: 1992-01-09 Issued: 1993-04-27 Hydraulic booster device for linear actuator (Original Assignee) Wright John J John J. Wright |
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| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service (axial passageway) providers , wherein the bridge computer credits some of the service provider accounts (said housing) and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5205200A CLAIM 1 . A linear actuator comprising : a pressurized fluid supply ; a housing having a primary piston chamber and a booster piston chamber ; a piston rod disposed within said housing (service provider accounts) ; a primary piston secured to one end of said piston rod and disposed within said primary piston chamber , said primary piston chamber having a first primary compartment and a second primary compartment disposed on opposite sides of said primary piston ; a booster piston movably disposed about said piston rod within said booster piston chamber , said booster piston chamber having a first booster compartment and a second booster compartment disposed on opposite sides of said booster piston ; a thrust column , affixed to said booster piston and movable relatively axially with respect to the piston rod , for pushing directly against said primary piston , responsive to the pressurized supply of fluid to the first booster compartment , which fluid acts against the bottom of said booster piston , so as to provide an initial thrust component to said piston rod , said thrust column being disposed radially between said booster piston and said piston rod so as to define an annular fluid channel extending axially between said first booster compartment and said first primary compartment for enabling said fluid to move therebetween , thereby to contribute a substantial additional thrust component to move said primary piston ; a first port , located below the extreme point of travel of said booster piston , when the piston rod is fully extended , said port extending radially in fluid communication with said first booster compartment , thereby to be capable of supplying or draining said fluid to or from said first primary compartment and said first booster compartment concurrently ; a second port capable of supplying and draining fluid to or from said second primarly compartment ; and a third port capable of supplying and draining fluid to or from said second booster compartment ; and , in which , to enable a precisely directed , copious parallel flow of pressurized fluid , said device includes a first axial passageway (multiple service) which connects the first , radially extending port to a point in said first booster compartment immediately adjacent and aligned with said annular fluid channel when the piston rod is fully extended , and further includes a second axial passageway spaced radially from the first axial passageway which connects the first port to a point in said first booster compartment immediately adjacent said booster piston bottom surface when the piston rod is fully extended . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5202826A Filed: 1991-11-26 Issued: 1993-04-13 Centralized consumer cash value accumulation system for multiple merchants (Original Assignee) Mccarthy Patrick D Patrick D. McCarthy |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (central location) to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5202826A CLAIM 14 . A centralized consumer cash value system for transactions between consumers and multiple merchants comprising : at each merchant location at least : consumer data input means at the point-of-sale for inputting an account number unique to the customer independent of how the consumer pays for the transaction ; processor means for determining a credit value for the transaction ; and first communication means for electronically transmitting to the central system the consumer' ; s account number and the credit value related to each transaction ; and at a central location (user device) , a central system having at least : second communication means for electronically receiving the consumer' ; s account number and the credit value related to each transaction ; consumer account memory means for storing cash values for a plurality of consumer accounts , each consumer account being associated with a respective , unique account number ; processor means for incrementing the cash value in a consumer account associated with a received consumer account number by an amount related to the received credit value ; and unit means for selectively providing to at least a plurality of consumers access to funds in an amount based upon the cash value in the consumer account associated with that consumer . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (central location) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5202826A CLAIM 14 . A centralized consumer cash value system for transactions between consumers and multiple merchants comprising : at each merchant location at least : consumer data input means at the point-of-sale for inputting an account number unique to the customer independent of how the consumer pays for the transaction ; processor means for determining a credit value for the transaction ; and first communication means for electronically transmitting to the central system the consumer' ; s account number and the credit value related to each transaction ; and at a central location (user device) , a central system having at least : second communication means for electronically receiving the consumer' ; s account number and the credit value related to each transaction ; consumer account memory means for storing cash values for a plurality of consumer accounts , each consumer account being associated with a respective , unique account number ; processor means for incrementing the cash value in a consumer account associated with a received consumer account number by an amount related to the received credit value ; and unit means for selectively providing to at least a plurality of consumers access to funds in an amount based upon the cash value in the consumer account associated with that consumer . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (multiple merchants) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5202826A CLAIM 14 . A centralized consumer cash value system for transactions between consumers and multiple merchants (credit cards, service providers using credit cards) comprising : at each merchant location at least : consumer data input means at the point-of-sale for inputting an account number unique to the customer independent of how the consumer pays for the transaction ; processor means for determining a credit value for the transaction ; and first communication means for electronically transmitting to the central system the consumer' ; s account number and the credit value related to each transaction ; and at a central location , a central system having at least : second communication means for electronically receiving the consumer' ; s account number and the credit value related to each transaction ; consumer account memory means for storing cash values for a plurality of consumer accounts , each consumer account being associated with a respective , unique account number ; processor means for incrementing the cash value in a consumer account associated with a received consumer account number by an amount related to the received credit value ; and unit means for selectively providing to at least a plurality of consumers access to funds in an amount based upon the cash value in the consumer account associated with that consumer . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5256863A Filed: 1991-11-05 Issued: 1993-10-26 In-store universal control system (Original Assignee) Comark Technologies Inc (Current Assignee) Comark Technologies Inc William L. Ferguson, Mark H. Wallis |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (POS terminal) system having a bridge computer to allow a user at a user device to make a product purchase (purchase data) at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (transfer information) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5256863A CLAIM 1 . A system for automating data acquisition and processing at a checkstand point of sale (POS) in a retail outlet comprising : a first local area network of POS terminal (electronic commerce) s for initiating merchandise purchase transactions ; means for passively monitoring all of said purchase transactions in said first local area network to acquire primary purchase data (product purchase, user attempts to purchase products) ; a second local area network of lane terminal devices for inputting secondary data , said secondary data including purchase discount information and/or payment verification information ; means for receiving and processing said primary and said secondary information , said receiving and processing means mirroring said primary information and generating output information to said POS terminals of said first local area network via said lane terminal devices of said second local area network , said output information including discount information and/or verification data . US5256863A CLAIM 7 . A system according to claim 1 , wherein said lane terminal device further includes : means for electronically crediting electronic benefits transfer information (communications network) . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (currency conversion) paid by other service providers . |
US5256863A CLAIM 19 . A system according to claim 1 , wherein said receiving and processing means further includes : a currency conversion (credit card service charge fees) database for correlating total purchase amounts to at least one additional currency . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (purchase data) . |
US5256863A CLAIM 1 . A system for automating data acquisition and processing at a checkstand point of sale (POS) in a retail outlet comprising : a first local area network of POS terminals for initiating merchandise purchase transactions ; means for passively monitoring all of said purchase transactions in said first local area network to acquire primary purchase data (product purchase, user attempts to purchase products) ; a second local area network of lane terminal devices for inputting secondary data , said secondary data including purchase discount information and/or payment verification information ; means for receiving and processing said primary and said secondary information , said receiving and processing means mirroring said primary information and generating output information to said POS terminals of said first local area network via said lane terminal devices of said second local area network , said output information including discount information and/or verification data . |
| US6876979B2 CLAIM 5 . The method defined in claim 1 further comprising using the bridge computer to settle accounts (bar code) between service providers according to a predetermine schedule . |
US5256863A CLAIM 5 . A system according to claim 1 , wherein said lane terminal device further includes : a bar code (bridge computer to settle accounts) scanner for inputting bar encoded information . |
| US6876979B2 CLAIM 10 . The method defined in claim 1 further comprising using the bridge computer to allow a user without an account to create a new service provider account when that user attempts to purchase products (purchase data) from a vendor , wherein the new account is created with the service provider associated with that vendor . |
US5256863A CLAIM 1 . A system for automating data acquisition and processing at a checkstand point of sale (POS) in a retail outlet comprising : a first local area network of POS terminals for initiating merchandise purchase transactions ; means for passively monitoring all of said purchase transactions in said first local area network to acquire primary purchase data (product purchase, user attempts to purchase products) ; a second local area network of lane terminal devices for inputting secondary data , said secondary data including purchase discount information and/or payment verification information ; means for receiving and processing said primary and said secondary information , said receiving and processing means mirroring said primary information and generating output information to said POS terminals of said first local area network via said lane terminal devices of said second local area network , said output information including discount information and/or verification data . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards (financial information, card information, smart card) but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5256863A CLAIM 6 . A system according to claim 1 , wherein said lane terminal device further includes : a magnetic stripe reader for inputting bank card information (credit cards, service providers using credit cards) ; a data encryption device for encoding predetermined financial information (credit cards, service providers using credit cards) ; and means for electronically transferring funds in response to said encrypted bank card information . US5256863A CLAIM 8 . A system according to claim 1 , wherein said lane terminal device further includes : a smart card (credit cards, service providers using credit cards) reader . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5142578A Filed: 1991-08-22 Issued: 1992-08-25 Hybrid public key algorithm/data encryption algorithm key distribution method based on control vectors (Original Assignee) International Business Machines Corp (Current Assignee) International Business Machines Corp Stephen M. Matyas, Donald B. Johnson, An V. Le, Rostislaw Prymak, John D. Wilkins, William C. Martin, William S. Rohland |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network (communications network) , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (public key) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5142578A CLAIM 2 . The apparatus of claim 1 , which further comprises : said first key expression being a public key (purchase price using funds) issued by said receiving node and said second key expression being a private key corresponding to said public key . US5142578A CLAIM 24 . Apparatus for generating and distributing a Data Encryption Algorithm (DEA) key in a communications network (communications network, bridge computer to maintain accounts) , comprising : a) sending means for generating and producing at least two copies of a key-encrypting key (K-ek) , and control information including a control vector for permitted uses of the k-ek ; b) means included in the sending means for encrypting one copy of the k-ek under the public key of a receiving means and transmitting the public key encrypted k-ek to the receiving means in association with said control information ; c) means further included in the sending means for encrypting another copy of the k-ek under a master key of the sending means ; d) means further included in the sending means for storing the master key encrypted k-3k as a common distributing key for other encrypted keys used in the network , in association with said control information ; e) control means included in the sending means , to limit uses of the k-ek to said permitted uses in response to said control information . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (cryptographic communication) paid by other service providers . |
US5142578A CLAIM 1 . In a data processing system having a plurality of communicating nodes , at least a pair of nodes in the system exchanging cryptographic communication (credit card service charge fees) s , an apparatus for enabling a first node of the pair to control a crypto variable after its transmission from the first node to a second node of the pair , comprising : a first storage means at a transmitting node in the system for storing a crypto variable which is to be transmitted to a receiving node in the system ; a second storage means at said transmitting node for storing control information to control said crypto variable after it is transmitted from said transmitting node said control information including a control vector to limit the uses of said crypto variable ; a third storage means at said transmitting node for storing a first key expression ; concatenating means at said transmitting node , coupled to said first and second storage means , for concatenating said crypto variable with said control information , forming a key block ; encryption means at said transmitting node , coupled to said third storage means and said concatenating means , for encrypting said key block with said first key expression , forming an encrypted key block ; transmitting means at said transmitting node coupled to said encryption means and coupled over a communications link to a receiving means at said receiving node , for transmitting said encrypted key block to said receiving node ; said transmitting means coupled to said second storage means , for transmitting a second copy of said control information to said receiving node ; fourth storage means at said receiving node , for storing a second key expression corresponding to said first key expression ; decryption means at said receiving node coupled to said receiving means and to said fourth storage means , for decrypting said encrypted key block using said second key expression , to obtain a recovered key block ; extraction means at said receiving node coupled to said decryption means , to extract said control information and said crypto variable from said recovered key block ; comparison means at said receiving node coupled to said extraction means and coupled to said receiving means for comparing said control information extracted from said recovered key block to said second copy of said control information , said comparison means having an enabling output for signaling when said comparison is satisfied ; control means coupled to said extraction means and having an enabling input coupled to said output of said comparison means , for controlling said crypto variable with said control information . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts (communications network) for multiple service providers , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5142578A CLAIM 24 . Apparatus for generating and distributing a Data Encryption Algorithm (DEA) key in a communications network (communications network, bridge computer to maintain accounts) , comprising : a) sending means for generating and producing at least two copies of a key-encrypting key (K-ek) , and control information including a control vector for permitted uses of the k-ek ; b) means included in the sending means for encrypting one copy of the k-ek under the public key of a receiving means and transmitting the public key encrypted k-ek to the receiving means in association with said control information ; c) means further included in the sending means for encrypting another copy of the k-ek under a master key of the sending means ; d) means further included in the sending means for storing the master key encrypted k-3k as a common distributing key for other encrypted keys used in the network , in association with said control information ; e) control means included in the sending means , to limit uses of the k-ek to said permitted uses in response to said control information . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | WO9116691A1 Filed: 1991-04-10 Issued: 1991-10-31 Value transfer system (Original Assignee) Jonhig Limited Timothy Lloyd Jones, Graham Robert Leslie Higgins |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account (transaction identifier) maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (public key) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
WO9116691A1 CLAIM 4 . A value transfer system as claimed in claim 3 wherein the microprocessors are programmed so that in a transaction between members of a purse pair the transaction is given a transaction identifier (user account) specific to at least one of the purses and unique within that purse . WO9116691A1 CLAIM 7 . A value transfer system as claimed in any of the preceding claims wherein the microprocessors are programmed to employ an asymmetrical cryptographic system having different public and secret keys and each purse has at least a public key (purchase price using funds) of the system stored . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5297032A Filed: 1991-02-01 Issued: 1994-03-22 Securities trading workstation (Original Assignee) Merrill Lynch Pierce Fenner and Smith Inc (Current Assignee) Bank of America Corp Donald R. Trojan, Edward F. Keenan, III, Henry Hyatt |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce system having a bridge computer to allow a user at a user device (said database, low price) to make a product purchase (said database, low price) at a purchase price (said database, low price) from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5297032A CLAIM 1 . In combination in a system for controlling the operation of a trader work station as integrated in a network for the trading of financial instruments wherein a database is configured to deliver an on-line datastream to a plurality of traders said system comprising : data communication means for managing the transfer of on-line data from said database (user device, product purchase, purchase price) to the work station and the transfer of trader selected transactions to said database ; data compilation means for providing select records to a plurality of separate window interface applications ; market maker application means for displaying a select security and associated market makers with current price quote information , and further permitting the entry of a transaction order by the trader for transmission to the database ; and trader book application means for displaying a select group of securities associated with an individual trader wherein said group of securities include current data on an inside market , depth of said inside market , and direction of said inside market for each security in said group . US5297032A CLAIM 2 . The system of claim 1 wherein said market maker application means includes high and low price (user device, product purchase, purchase price) trades , trading volume , inside market quotes and transaction limits . |
| US6876979B2 CLAIM 4 . The method defined in claim 1 further comprising using the bridge computer to collect a service charge for a bridge operator for the product purchase (said database, low price) . |
US5297032A CLAIM 1 . In combination in a system for controlling the operation of a trader work station as integrated in a network for the trading of financial instruments wherein a database is configured to deliver an on-line datastream to a plurality of traders said system comprising : data communication means for managing the transfer of on-line data from said database (user device, product purchase, purchase price) to the work station and the transfer of trader selected transactions to said database ; data compilation means for providing select records to a plurality of separate window interface applications ; market maker application means for displaying a select security and associated market makers with current price quote information , and further permitting the entry of a transaction order by the trader for transmission to the database ; and trader book application means for displaying a select group of securities associated with an individual trader wherein said group of securities include current data on an inside market , depth of said inside market , and direction of said inside market for each security in said group . US5297032A CLAIM 2 . The system of claim 1 wherein said market maker application means includes high and low price (user device, product purchase, purchase price) trades , trading volume , inside market quotes and transaction limits . |
| US6876979B2 CLAIM 7 . The method defined in claim 1 wherein the vendor offers the product for sale on a web site and wherein the method further comprises using the bridge computer to provide the user at the user device (said database, low price) with a screen that includes a buy option when the user selects an on-screen option indicating that the user desires to purchase the product . |
US5297032A CLAIM 1 . In combination in a system for controlling the operation of a trader work station as integrated in a network for the trading of financial instruments wherein a database is configured to deliver an on-line datastream to a plurality of traders said system comprising : data communication means for managing the transfer of on-line data from said database (user device, product purchase, purchase price) to the work station and the transfer of trader selected transactions to said database ; data compilation means for providing select records to a plurality of separate window interface applications ; market maker application means for displaying a select security and associated market makers with current price quote information , and further permitting the entry of a transaction order by the trader for transmission to the database ; and trader book application means for displaying a select group of securities associated with an individual trader wherein said group of securities include current data on an inside market , depth of said inside market , and direction of said inside market for each security in said group . US5297032A CLAIM 2 . The system of claim 1 wherein said market maker application means includes high and low price (user device, product purchase, purchase price) trades , trading volume , inside market quotes and transaction limits . |
| US6876979B2 CLAIM 11 . The method defined in claim 1 further comprising using the bridge computer to maintain accounts for multiple service providers (financial instruments) , wherein the bridge computer credits some of the service provider accounts and debits other service providers accounts to reimburse service providers that have incurred credit card transaction service charges when users deposit funds with those service providers using credit cards but whose funds are provided to other service providers in payment of products purchased through vendors associated with those other service providers . |
US5297032A CLAIM 1 . In combination in a system for controlling the operation of a trader work station as integrated in a network for the trading of financial instruments (multiple service providers) wherein a database is configured to deliver an on-line datastream to a plurality of traders said system comprising : data communication means for managing the transfer of on-line data from said database to the work station and the transfer of trader selected transactions to said database ; data compilation means for providing select records to a plurality of separate window interface applications ; market maker application means for displaying a select security and associated market makers with current price quote information , and further permitting the entry of a transaction order by the trader for transmission to the database ; and trader book application means for displaying a select group of securities associated with an individual trader wherein said group of securities include current data on an inside market , depth of said inside market , and direction of said inside market for each security in said group . |
| US6876979B2 Filed: 2002-08-12 Issued: 2005-04-05 Electronic commerce bridge system (Original Assignee) PayByClick Corp (Current Assignee) Aml Ip LLC Marvin T. Ling | US5135224A Filed: 1991-01-14 Issued: 1992-08-04 Pattern matching game machine of prepaid card system (Original Assignee) Leisure Create Co Ltd; Newgin Co Ltd (Current Assignee) Leisure Create Co Ltd ; Newgin Co Ltd Hiroshi Yamamoto, Kiyomi Iwai |
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| US6876979B2 CLAIM 1 . A method for using an electronic commerce (said belt) system having a bridge computer to allow a user at a user device to make a product purchase at a purchase price from a given vendor having a web site provided by a vendor computer over a communications network , wherein the vendor is associated with at least one of a plurality of service providers wherein each of the plurality of service providers has a service provider computer , and wherein the user has a user account maintained by at least one of the plurality of service providers , the method comprising : debiting the user' ; s account by the purchase price when the user purchases the product from the given vendor ; determining from among the plurality of service providers , using the bridge computer , whether the given vendor is associated with the same service provider with which the user' ; s account is maintained or is associated with a different service provider ; and if the service provider with which the user' ; s account is maintained is the same as the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds (said operation) from the user' ; s account at that same service provider and , if the service provider with which the user' ; s account is maintained is different from the service provider with which the vendor is associated , crediting the given vendor by the purchase price using funds from the service provider with which the vendor is associated and using the bridge computer to reimburse that service provider with the purchase price using funds from the user' ; s account . |
US5135224A CLAIM 1 . A pattern matching game machine , comprising : a plurality of pattern display units disposed side-by-side , each unit including a pair of spaced apart belt pulleys , each pulley having a diameter , an endless belt on which patterns are depicted , suspended about said pair of pulleys , perforations being formed at regular intervals in the belt along opposite side edges thereof , said belt (electronic commerce, electronic commerce system) having a perimeter , a sprocket wheel disposed midway between said belt pulleys so that sprockets on opposite sides of the sprocket wheel are engaged in the perforations on opposing portions of said belt , said sprocket wheel having a diameter twice the diameter of said pulleys and a circumference half the perimeter of said belt , and a stepping motor connected for rotating said sprocket wheel ; said machine further including : a card reader which reads data on a player' ; s card ; a prize point display which displays prize points credited to a player ; a detector means which detects positions of patterns while the belts are stationary ; a printer for printing out at an end of a game a number of prize points scored by the player ; and a control circuit , including a card identification circuit which identifies data read by said card reader , an operation circuit connected to said display , said operation (purchase price using funds) circuit controlling player entry into a game and initiating and terminating a game , a random number circuit , responsive to random numbers received thereby , for issuing start/stop signals , a motor drive circuit , responsive to the start/stop signals and drive pulse signals applied thereto , for driving the stepping motors , a CPU connected to said card identification circuit to receive card identification data from said card identification circuit , said CPU providing the random numbers to said random number circuit and the drive pulse signals to said motor drive circuit , and a judgment circuit which judges matching of patterns according to the positions of the patterns detected by the detector means , prize points being credited to the player when matches are judged by said judgment circuit . |
| US6876979B2 CLAIM 2 . The method defined in claim 1 further comprising using the bridge computer to reimburse service providers for credit card service charge fees (random number) paid by other service providers . |
US5135224A CLAIM 1 . A pattern matching game machine , comprising : a plurality of pattern display units disposed side-by-side , each unit including a pair of spaced apart belt pulleys , each pulley having a diameter , an endless belt on which patterns are depicted , suspended about said pair of pulleys , perforations being formed at regular intervals in the belt along opposite side edges thereof , said belt having a perimeter , a sprocket wheel disposed midway between said belt pulleys so that sprockets on opposite sides of the sprocket wheel are engaged in the perforations on opposing portions of said belt , said sprocket wheel having a diameter twice the diameter of said pulleys and a circumference half the perimeter of said belt , and a stepping motor connected for rotating said sprocket wheel ; said machine further including : a card reader which reads data on a player' ; s card ; a prize point display which displays prize points credited to a player ; a detector means which detects positions of patterns while the belts are stationary ; a printer for printing out at an end of a game a number of prize points scored by the player ; and a control circuit , including a card identification circuit which identifies data read by said card reader , an operation circuit connected to said display , said operation circuit controlling player entry into a game and initiating and terminating a game , a random number (credit card service charge fees) circuit , responsive to random numbers received thereby , for issuing start/stop signals , a motor drive circuit , responsive to the start/stop signals and drive pulse signals applied thereto , for driving the stepping motors , a CPU connected to said card identification circuit to receive card identification data from said card identification circuit , said CPU providing the random numbers to said random number circuit and the drive pulse signals to said motor drive circuit , and a judgment circuit which judges matching of patterns according to the positions of the patterns detected by the detector means , prize points being credited to the player when matches are judged by said judgment circuit . |