Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Discount or incentive
Reexamination Certificate
2004-04-16
2009-08-25
Augustin, Evens J (Department: 3621)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Discount or incentive
C705S026640, C235S379000
Reexamination Certificate
active
07580857
ABSTRACT:
Methods and systems coordinate an Internet-based financial transaction between an Internet merchant and a customer. A first information packet is received with a payment network from the Internet merchant. The first information packet has a credential assigned to the customer and transaction information specifying at least a cost of the Internet-based financial transaction. With the payment network, account information is determined that identifies a financial account maintained by the customer at a financial institution and authorization information that allows debit access to the identified financial account. A second information packet that includes the transaction information, the account information, and the authorization information is generated with the payment network. The second information packet is transmitted with the payment network to the financial institution with a request to perform a debit transaction from the identified financial account for the specified cost of the Internet-based financial transaction.
REFERENCES:
patent: 5764789 (1998-06-01), Pare et al.
patent: 5805719 (1998-09-01), Pare et al.
patent: 6173272 (2001-01-01), Thomas et al.
patent: 6609113 (2003-08-01), O'Leary et al.
patent: 6678664 (2004-01-01), Ganesan
patent: 6704714 (2004-03-01), O'Leary et al.
patent: 2001/0054003 (2001-12-01), Chien et al.
patent: 2002/0013728 (2002-01-01), Wilkman
patent: 2002/0111907 (2002-08-01), Ling
patent: 2003/0009382 (2003-01-01), D'Arbeloff er al.
patent: 2004/0107170 (2004-06-01), Labrou et al.
patent: 2004/0138989 (2004-07-01), O'Malley
patent: 2004/0260607 (2004-12-01), Robbins et al.
Benton Blake
Byrne Matthew T.
Horton Timothy
Mascavage, III John J.
Mollett Cassandra J.
Augustin Evens J
First Data Corporation
Townsend and Townsend / and Crew LLP
LandOfFree
Methods and systems for online transaction processing does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Methods and systems for online transaction processing, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Methods and systems for online transaction processing will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4102783