METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT
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United States of America Patent
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N/A
Issued Date -
N/A
app pub date -
Jul 9, 2010
filing date -
Jun 18, 1999
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A virtual payment system for paying for goods, services and content ordered over an internetwork comprising a commerce gateway component and a credit processing server component (53) is disclosed. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway component, which in turn notifies the credit processing server, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment card. A buyer may create sub-accounts.
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