Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2011-08-30
2011-08-30
Patel, Jagdish N (Department: 3693)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S038000, C705S039000
Reexamination Certificate
active
08010425
ABSTRACT:
In one aspect of the invention, a customer accesses an eCommerce server maintained by a merchant via a communications network such as the Internet. Before the customer can complete a transaction, such as ordering goods or receiving on-line services, the merchant requests a tender of payment. If the tender of payment is declined, the merchant offers the customer credit for completing the transaction wherein the credit is guaranteed by a guarantor. The guarantor pays the merchant for the customer's transaction and sends an account statement including a request for payment to the customer. The amount the guarantor pays to the merchant may be dependent on the reason for the decline and one whether or not customer information is used to verify the customer. The account statement may also include an offer to the customer by the guarantor of a credit account.
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Bacon James G.
Garcia, III Benét E.
Guiragosian Hagop
Miller Michael J.
Woods Anderson R.
Christie Parker & Hale LLP
Patel Jagdish N
Poe Kevin
The Sunshine Trust
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