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1. 发明授权

US07606760B2 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 有权
标题翻译：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：US07606760B2
公开(公告)日：2009-10-20
申请号：US10671320
申请日：2003-09-24
申请人： Robin B. Hutchison , George A. Fleming , Alan Chedalawada , Robert Llewellyn , David Griffiths , David Birch
发明人： Robin B. Hutchison , George A. Fleming , Alan Chedalawada , Robert Llewellyn , David Griffiths , David Birch
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/102 , G06Q20/401 , G06Q30/06 , G06Q30/0601
摘要： A virtual payment card system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment card system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment card system is a secure closed system comprising registered merchants and consumers. A consumer becomes a registered participant by applying for a virtual payment card. Likewise, a merchant becomes registered by applying for a merchant account. A consumer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the consumer'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 consumer can then order a product, i.e., goods, services or content from a merchant and charge it to the virtual payment card. When the product is shipped, the merchant notifies the commerce gateway component (52), which in turn notifies the credit processing server which applies the charges to the consumer's virtual card account. The consumer can settle the charges using a prepaid account, a credit card, or by using reward points earned through use of the virtual payment card. A consumer may create sub-account that have additional limitations imposed on the owner of the sub-account.
摘要翻译：公开了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卡系统。虚拟支付卡系统包括商务网关组件（52）和信用处理服务器组件（53）。虚拟支付卡系统是包括注册商家和消费者的安全封闭系统。消费者通过申请虚拟支付卡成为注册参与者。同样地，商家通过申请商户登记。消费者可以在线即时打开帐户。也就是说，信用处理部件（53）立即对消费者的虚拟支付卡应用进行评估，并向账户分配信用限额。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。消费者然后可以从商家订购商品，即商品，服务或内容，并将其收取到虚拟支付卡。当产品出货时，商家通知商业网关组件（52），商务网关组件（52）又通知向消费者的虚拟卡帐户应用费用的信用处理服务器。消费者可以使用预付帐户，信用卡或通过使用虚拟支付卡获得的奖励积分来解决费用。消费者可能会创建对子帐户所有者施加额外限制的子帐户。

2. 发明申请

US20100010916A1 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT 审中-公开
标题翻译：使用虚拟付款帐户在互联网上订购商品，服务和内容的方法和装置
公开(公告)号：US20100010916A1
公开(公告)日：2010-01-14
申请号：US12564128
申请日：2009-09-22
申请人： Robin B. Hutchison , George A. Fleming , Alan Chedalawada , Robert Llewellyn , David Griffiths , David Birch
发明人： Robin B. Hutchison , George A. Fleming , Alan Chedalawada , Robert Llewellyn , David Griffiths , David Birch
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/102 , G06Q20/401 , G06Q30/06 , G06Q30/0601
摘要： A virtual payment system for ordering and paying for goods, services and content over an internetwork. The virtual system comprises a commerce gateway and a credit processing server. The virtual system is a secure closed system comprising registered merchants and consumers. Once an account is established, a digital certificate is stored on the registered participant's computer. The consumer can then order a product, i.e., goods, services or content from a merchant and charge it to a virtual payment card. When the product is shipped, the merchant notifies the commerce gateway component, which in turn notifies the credit processing server which applies the charges to the consumer's virtual card account. The consumer can settle the charges using a prepaid account, a credit card, or by using reward points earned through use of the virtual payment card. A consumer may create sub-account that have additional limitations.
摘要翻译：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。虚拟系统包括商务网关和信用处理服务器。虚拟系统是包括注册商家和消费者的安全封闭系统。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。消费者然后可以从商家订购产品，即商品，服务或内容，并将其收取到虚拟支付卡。当产品出货时，商家通知商业网关组件，商业网关组件又通知向消费者的虚拟卡帐户应用费用的信用处理服务器。消费者可以使用预付帐户，信用卡或通过使用虚拟支付卡获得的奖励积分来解决费用。消费者可能会创建具有额外限制的子帐户。

3. 发明申请

US20050192896A1 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account 有权
标题翻译：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：US20050192896A1
公开(公告)日：2005-09-01
申请号：US10671320
申请日：2003-09-24
申请人： Robin Hutchison , George Fleming , Alan Chedalawada , Robert Llewellyn , David Griffiths , David Birch
发明人： Robin Hutchison , George Fleming , Alan Chedalawada , Robert Llewellyn , David Griffiths , David Birch
IPC分类号： G06Q30/00 , G06F17/60
CPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/102 , G06Q20/401 , G06Q30/06 , G06Q30/0601
摘要： A virtual payment card system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment card system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment card system is a secure closed system comprising registered merchants and consumers. A consumer becomes a registered participant by applying for a virtual payment card. Likewise, a merchant becomes registered by applying for a merchant account. A consumer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the consumer'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 consumer can then order a product, i.e., goods, services or content from a merchant and charge it to the virtual payment card. When the product is shipped, the merchant notifies the commerce gateway component (52), which in turn notifies the credit processing server which applies the charges to the consumer's virtual card account. The consumer can settle the charges using a prepaid account, a credit card, or by using reward points earned through use of the virtual payment card. A consumer may create sub-account that have additional limitations imposed on the owner of the sub-account.
摘要翻译：公开了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卡系统。虚拟支付卡系统包括商务网关组件（52）和信用处理服务器组件（53）。虚拟支付卡系统是包括注册商家和消费者的安全封闭系统。消费者通过申请虚拟支付卡成为注册参与者。同样地，商家通过申请商户登记。消费者可以在线即时打开帐户。也就是说，信用处理部件（53）立即对消费者的虚拟支付卡应用进行评估，并向账户分配信用限额。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。消费者然后可以从商家订购商品，即商品，服务或内容，并将其收取到虚拟支付卡。当产品出货时，商家通知商业网关组件（52），商务网关组件（52）又通知向消费者的虚拟卡帐户应用费用的信用处理服务器。消费者可以使用预付帐户，信用卡或通过使用虚拟支付卡获得的奖励积分来解决费用。消费者可能会创建对子帐户所有者施加额外限制的子帐户。

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