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    • 5. 发明申请
    • Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
    • 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
    • US20050192896A1
    • 2005-09-01
    • US10671320
    • 2003-09-24
    • Robin HutchisonGeorge FlemingAlan ChedalawadaRobert LlewellynDavid GriffithsDavid Birch
    • Robin HutchisonGeorge FlemingAlan ChedalawadaRobert LlewellynDavid GriffithsDavid Birch
    • G06Q30/00G06F17/60
    • G06Q30/04G06Q20/10G06Q20/102G06Q20/401G06Q30/06G06Q30/0601
    • 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.
    • 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。
    • 6. 发明申请
    • Secure transaction protocol
    • 安全交易协议
    • US20060168663A1
    • 2006-07-27
    • US10172149
    • 2002-02-27
    • Andre ViljoenRobin HutchisonRobert Llewellyn
    • Andre ViljoenRobin HutchisonRobert Llewellyn
    • H04L9/32G06F17/30
    • G06Q30/06
    • A system for engaging in secure transactions over an internetwork, involving, a consumer, a merchant and a Transaction Authority as parties to a transaction. To initiate the transaction the consumer makes an inquiry with the merchant who then returns a signed offer. The consumer then accepts the offer by also signing the offer. The doubly signed offer is then forwarded to the Transaction Authority. The Transaction Authority validates the transaction by checking both the authority and identity of the merchant and the consumer. The Transaction Authority then signs the offer to create a triply signed offer. The Transaction Authority returns the triply signed offer to the merchant. Once the merchant has a validated offer they are then able to request settlement of the transaction from the Transaction Authority, either immediately, or at some future date by sending a settlement request to the Transaction Authority.
    • 用于通过互联网进行安全交易的系统,涉及消费者,商人和作为交易的交易的交易管理机构。 为了开始交易,消费者向商家进行查询,然后商家返回签署的优惠。 然后消费者也通过签署报价来接受报价。 双重签署的优惠随后转交给交易机构。 交易机构通过检查商家和消费者的权威和身份来验证交易。 交易管理局然后签署要约以创建三重签署的报价。 交易管理机构将三重签署的报价退还给商家。 一旦商家有了验证的报价,他们就可以立即或在未来的某个日期通过向交易机构发送一个结算请求来请求交易机构的交易结算。