Secure online purchasing

Details Secure online purchasing Secure online purchasing

2006-09-19

2006-09-19

Rosen, Nicholas D. (Department: 3625)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Secure transaction

C705S044000, C705S076000, C705S077000, C705S078000

Reexamination Certificate

active

07110987

ABSTRACT:
In a method of purchasing online, a client device of a customer communicates a purchase selection which is received by a vendor computer system. The vendor computer system, in response, communicates a cost of the purchase selection and fund confirmation address to the client device. The client device communicates a payment authorization for the cost that is received by a fund guardian. The client device also communicates biometric information. The fund guardian confirms the availability of sufficient funds to pay the cost. The biometric information is applied along with a stored biometric print to authenticate the customer. The vendor computer system communicates a fund confirmation address which is received by the fund guardian. When sufficient funds are available to pay the cost, and when the customer is authenticated, the fund guardian communicates a fund confirmation to the vendor computer system at the fund confirmation address.

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