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    Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
    1.
    发明授权
    Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 有权
    使用虚拟支付账户在互联网上订购货物，服务和内容的方法和装置

    公开(公告)号：US07761385B2

    公开(公告)日：2010-07-20

    申请号：US11182589

    申请日：2005-07-14

    申请人： Robin B Hutchison ,  Robert J Llewellyn ,  Andre F Viljoen ,  David Griffiths ,  David Birch ,  Iain M Begg

    发明人： Robin B Hutchison ,  Robert J Llewellyn ,  Andre F Viljoen ,  David Griffiths ,  David Birch ,  Iain M Begg

    IPC分类号： G06Q20/00

    CPC分类号： G06Q20/385 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/3829 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/00 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0603 ,  G06Q30/0613 ,  G06Q30/0617 ,  G06Q40/025

    摘要： A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment system is a secure, closed system comprising registered sellers and buyers. A buyer becomes a registered participant by applying for a virtual payment account. Likewise, a seller becomes registered by applying for a seller account. A buyer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the buyer's virtual payment card application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway component (52), which in turn notifies the credit processing server that applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment card. A buyer may create sub-accounts.

    摘要翻译： 公开了一种用于通过互联网络订购和支付商品，服务和内容的虚拟支付系统。 虚拟支付系统包括商业网关组件（52）和信用处理服务器组件（53）。 虚拟支付系统是一个安全的封闭系统，包括注册卖家和买家。 买方通过申请虚拟支付帐户成为注册参与者。 同样，卖方通过申请卖家账户登记。 买家可以立即在线开立账户。 也就是说，信用处理部件（53）立即评估买方的虚拟支付卡应用并向该账户分配信用限额。 一旦建立了帐户，数字证书将被存储在注册的参与者的计算机上。 然后，买方可以从卖方订购产品，即商品，服务或内容，并将其收取到虚拟支付帐户。 当产品出货时，卖家通知商业网关组件（52），商务网关组件（52）又通知向购买者的虚拟支付帐户应用费用的信用处理服务器。 买家可以使用预付账户，信用账户或通过使用虚拟支付卡获得的积分来结算费用。 买方可以创建子科目。

    Method for ordering goods, services, and content over an internetwork using a virtual payment account
    4.
    发明授权
    Method for ordering goods, services, and content over an internetwork using a virtual payment account 失效
    使用虚拟支付帐户通过互联网络订购商品，服务和内容的方法

    公开(公告)号：US07249097B2

    公开(公告)日：2007-07-24

    申请号：US10663443

    申请日：2003-09-16

    申请人： Robin B. Hutchison ,  Robert J. Llewellyn ,  Andre F. Viljoen ,  David Griffiths ,  David Birch ,  Iain M. Begg

    发明人： Robin B. Hutchison ,  Robert J. Llewellyn ,  Andre F. Viljoen ,  David Griffiths ,  David Birch ,  Iain M. Begg

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/385 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/3829 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/00 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0603 ,  G06Q30/0613 ,  G06Q30/0617 ,  G06Q40/025

    摘要： A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment system is a secure, closed system comprising registered sellers and buyers. A buyer becomes a registered participant by applying for a virtual payment account. Likewise, a seller becomes registered by applying for a seller account. A buyer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the buyer's virtual payment card application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway component (52), which in turn notifies the credit processing server that applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment card. A buyer may create sub-accounts that have additional limitations imposed on the owners of the sub-accounts.

    摘要翻译： 公开了一种用于通过互联网络订购和支付商品，服务和内容的虚拟支付系统。 虚拟支付系统包括商业网关组件（52）和信用处理服务器组件（53）。 虚拟支付系统是一个安全的封闭系统，包括注册卖家和买家。 买方通过申请虚拟支付帐户成为注册参与者。 同样，卖方通过申请卖家账户登记。 买家可以立即在线开立账户。 也就是说，信用处理部件（53）立即评估买方的虚拟支付卡应用并向该账户分配信用限额。 一旦建立了帐户，数字证书将被存储在注册的参与者的计算机上。 然后，买方可以从卖方订购商品，即商品，服务或内容，并将其收取到虚拟付款帐户。 当产品出货时，卖家通知商业网关组件（52），商务网关组件（52）又通知向购买者的虚拟支付帐户应用费用的信用处理服务器。 买家可以使用预付账户，信用账户或通过使用虚拟支付卡获得的积分来结算费用。 买方可以创建对子帐户所有者施加额外限制的子帐户。

    Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
    7.
    发明授权
    Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 有权
    使用虚拟支付账户在互联网上订购货物，服务和内容的方法和装置

    公开(公告)号：US07908226B2

    公开(公告)日：2011-03-15

    申请号：US11183127

    申请日：2005-07-14

    申请人： Robin B Hutchison ,  Robert J Llewellyn ,  Andre F Viljoen ,  David Griffiths ,  David Birch ,  Iain M Begg

    发明人： Robin B Hutchison ,  Robert J Llewellyn ,  Andre F Viljoen ,  David Griffiths ,  David Birch ,  Iain M Begg

    IPC分类号： G06Q20/00

    CPC分类号： G06Q20/385 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/3829 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/00 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0603 ,  G06Q30/0613 ,  G06Q30/0617 ,  G06Q40/025

    摘要： A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment system is a secure, closed system comprising registered sellers and buyers. A buyer becomes a registered participant by applying for a virtual payment account. Likewise, a seller becomes registered by applying for a seller account. A buyer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the buyer's virtual payment card application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway component (52), which in turn notifies the credit processing server that applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment card. A buyer may create sub-accounts.

    摘要翻译： 公开了一种用于通过互联网络订购和支付商品，服务和内容的虚拟支付系统。 虚拟支付系统包括商业网关组件（52）和信用处理服务器组件（53）。 虚拟支付系统是一个安全的封闭系统，包括注册卖家和买家。 买方通过申请虚拟支付帐户成为注册参与者。 同样，卖方通过申请卖家账户登记。 买家可以立即在线开立账户。 也就是说，信用处理部件（53）立即评估买方的虚拟支付卡应用并向该账户分配信用限额。 一旦建立了帐户，数字证书将被存储在注册的参与者的计算机上。 然后，买方可以从卖方订购产品，即商品，服务或内容，并将其收取到虚拟支付帐户。 当产品出货时，卖家通知商业网关组件（52），商务网关组件（52）又通知向购买者的虚拟支付帐户应用费用的信用处理服务器。 买家可以使用预付账户，信用账户或通过使用虚拟支付卡获得的积分来结算费用。 买方可以创建子科目。