Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Patent
1998-03-02
2000-04-11
Stamber, Eric W.
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
705 26, 705 53, 705 75, G06F 1530
Patent
active
060497858
ABSTRACT:
A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed by buyer computers. In response to user inquiries, buyer computers retrieve and display digital advertisements from merchant computers. A digital advertisement can further include a program that is interpreted by a buyer's computer. The buyer computers include a means for a user to purchase the product described by a digital advertisement. If a user has not specified a means of payment at the time of purchase, it can be requested after a purchase transaction is initiated. A network payment system performs payment order authorization in a network with untrusted switching, transmission, and host components. Payment orders are backed by accounts in an external financial system network, and the payment system obtains account authorizations from this external network in real-time. Payment orders are signed with authenticators that can be based on any combination of a secret function of the payment order parameters, a single-use transaction identifier, or a specified network address.
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Information Network Institute, Carnegie Mellon University; Internet Billing Server; Prototype
Meinecke-Diaz Susanna
Open Market, Inc.
Stamber Eric W.
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