发明申请
- 专利标题： SECURE AND EFFICIENT PAYMENT PROCESSING SYSTEM
- 专利标题（中）： 安全有效的付款处理系统
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申请号： US14215515申请日： 2014-03-17
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公开(公告)号： US20140222689A1公开(公告)日： 2014-08-07
- 发明人: Michael A. Keresman, III , Ravishankar S. Bhagavatula , Chandra S. Balasubramanian , Francis M. Sherwin
- 申请人： Michael A. Keresman, III , Ravishankar S. Bhagavatula , Chandra S. Balasubramanian , Francis M. Sherwin
- 申请人地址： US OH Mentor
- 专利权人： CARDINALCOMMERCE CORPORATION
- 当前专利权人： CARDINALCOMMERCE CORPORATION
- 当前专利权人地址： US OH Mentor
- 主分类号： G06Q20/38
- IPC分类号： G06Q20/38
摘要：
A method of processing commercial transactions carried out over the Internet (50) between account holders (30) and participating merchants (20) includes receiving a purchase request (352) of a buyer from a participating merchant (20) indicating that the buyer desires to carry out a transaction with the merchant (20). The transaction includes the buyer purchasing one or more selected items (340) from the merchant (20). The buyer is authenticated (310) as an account holder (30) and transaction fulfillment data (362) is established. The transaction fulfillment data (362) indicates a delivery destination for the selected items. In turn, the transaction fulfillment data (362) is communicated to the participating merchant (20), and transaction details (384) from the participating merchant (20) are received. The transaction details (384) include a cost for the selected items. Thereafter, completion of the transaction is authorized (390) and an authorization code (392) established therefor is communicated to the participating merchant (20).
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