Importance

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Abstract

A payment method (100) suitable for network (10) transactions in merchandise (12) between purchasers (14) and vendors (18), employing the services of guarantors (16) which issue vouchers (20) for payment. The vendors (18) offer the merchandise (12) on the network (10) as URLs (50), which optionally may include a URL address (52) separated from a URL request (56). The URL (50) or the URL address (52) initially includes the network (10) address of the guarantor (16), and the URL (50) or the URL request (56) specifies particular merchandise (12). By selecting the URL (50) the purchaser (14) is initially taken to the guarantor (16), where the voucher (20) is placed into the URL (50) or the URL request (56) and the network (10) address of the vendor (18) is placed into the URL (50) or the URL address (52). The purchaser (14) is then redirected to the vendor (18), where the voucher (20) is accepted as payment before the vendor (18) releases the merchandise (12) for communication over the network (10) to the purchaser (14). The guarantor (16) may optionally also query a database (28) to initially obtain, verify, or substitute an address of a vendor (18) on the network (10) before reformatting the URL (50).

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First Claim