Importance

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Abstract

A method an apparatus to facilitate commerce over a computer network wherein a code data base stores codes and associated passwords, both of which may be printed on cards to create money cards. The codes and passwords, or for convenience, a money card, is purchased by a potential consumer desiring to purchase goods or services over a computer network. The data base records the purchase of the money card for either of a particular amount or a variable amount selected by the consumer. To purchase goods or services the consumer utilizes the money card codes and password at any retailer Internet site, accessed via some form of computer network such as the Internet. The retailer computer verifies the validity and balance of the money card when the money card code and password are utilized to purchase goods or services. Upon receipt of authorization from the money card database, the retailer executes the purchase and the money card data base updates the money card balance in the database. In this manner the money card facilitates commerce over a computer network.

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First Claim