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1. 发明授权

US07908226B2 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：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。

2. 发明申请

US20060085339A1 Method and apparatus for ordering goods, services and content over an internetwork 有权
公开(公告)号：US20060085339A1
公开(公告)日：2006-04-20
申请号：US11266519
申请日：2005-11-03
申请人： Robin Hutchison , Michael Maydaniuk , George Fleming , Denis Heinrichs , P. Linkletter , Iain Begg , Darren Hagman , Roberto Dominguez , Jun Huang
发明人： Robin Hutchison , Michael Maydaniuk , George Fleming , Denis Heinrichs , P. Linkletter , Iain Begg , Darren Hagman , Roberto Dominguez , Jun Huang
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/102 , G06Q20/12 , G06Q20/16 , G06Q20/3674 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q30/02 , G06Q30/0601 , G06Q30/0613 , G06Q30/0635 , H04L12/14 , H04L12/1403 , H04L12/1421 , H04L12/1428 , H04L12/1439 , H04L12/1446 , H04L12/1453 , H04L12/1457 , H04L12/1471 , H04L12/1482 , H04L63/0428 , H04L63/06 , H04M15/00 , H04M15/68 , H04M15/8207 , H04M2215/0176 , H04M2215/0196 , H04M2215/22 , H04M2215/7813
摘要： A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider when the PPP connection is established using a premium telephone number assigned and administered by the telephone service provider.

3. 发明授权

US07761385B2 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：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。

4. 发明申请

US20100145817A1 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK 有权
公开(公告)号：US20100145817A1
公开(公告)日：2010-06-10
申请号：US12703629
申请日：2010-02-10
申请人： Robin B. Hutchison , Michael T.G. Maydaniuk , George A. Fleming , Denis N. Heinrichs , P. Carl Linkletter , Iain M. Begg , Darren W. Hagman , Roberto Dominguez , Jun Huang
发明人： Robin B. Hutchison , Michael T.G. Maydaniuk , George A. Fleming , Denis N. Heinrichs , P. Carl Linkletter , Iain M. Begg , Darren W. Hagman , Roberto Dominguez , Jun Huang
IPC分类号： G06Q30/00 , H04L9/00 , G06Q50/00 , H04M15/00 , G06F15/16
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/102 , G06Q20/12 , G06Q20/16 , G06Q20/3674 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q30/02 , G06Q30/0601 , G06Q30/0613 , G06Q30/0635 , H04L12/14 , H04L12/1403 , H04L12/1421 , H04L12/1428 , H04L12/1439 , H04L12/1446 , H04L12/1453 , H04L12/1457 , H04L12/1471 , H04L12/1482 , H04L63/0428 , H04L63/06 , H04M15/00 , H04M15/68 , H04M15/8207 , H04M2215/0176 , H04M2215/0196 , H04M2215/22 , H04M2215/7813
摘要： A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider when the PPP connection is established using a premium telephone number assigned and administered by the telephone service provider.

5. 发明授权

US07669762B2 Method and apparatus for ordering goods, services and content over an internetwork 有权
标题翻译：通过互联网络订购货物，服务和内容的方法和装置
公开(公告)号：US07669762B2
公开(公告)日：2010-03-02
申请号：US11266519
申请日：2005-11-03
申请人： Robin B. Hutchison , Michael T. G. Maydaniuk , George A. Fleming , Denis N. Heinrichs , P. Carl Linkletter , Iain M. Begg , Darren W. Hagman , Roberto Dominguez , Jun Huang
发明人： Robin B. Hutchison , Michael T. G. Maydaniuk , George A. Fleming , Denis N. Heinrichs , P. Carl Linkletter , Iain M. Begg , Darren W. Hagman , Roberto Dominguez , Jun Huang
IPC分类号： G06K15/00 , G06Q30/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/102 , G06Q20/12 , G06Q20/16 , G06Q20/3674 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q30/02 , G06Q30/0601 , G06Q30/0613 , G06Q30/0635 , H04L12/14 , H04L12/1403 , H04L12/1421 , H04L12/1428 , H04L12/1439 , H04L12/1446 , H04L12/1453 , H04L12/1457 , H04L12/1471 , H04L12/1482 , H04L63/0428 , H04L63/06 , H04M15/00 , H04M15/68 , H04M15/8207 , H04M2215/0176 , H04M2215/0196 , H04M2215/22 , H04M2215/7813
摘要： A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider when the PPP connection is established using a premium-rate telephone number assigned and administered by the telephone service provider.
摘要翻译：允许消费者从连接到因特网的计算机订购产品的计费系统，其中消费者由其电话服务提供商自动为订购的商品或服务收费。当消费者通过因特网订购产品时，消费者计算机的插件组件与计费服务器建立互联网连接。计费服务器组件将产品的加密版本传输到插件组件。插件组件然后断开与Internet的连接，并与计费服务器建立点对点（PPP）连接。在PPP连接期间，计费服务器组件将分配给订单的访问密钥传送到插件组件，使得插件组件可以解密产品。当使用由电话服务提供商分配和管理的高价电话号码建立PPP连接时，由电话服务提供商向消费者收取该产品的单位费率或“丢弃费用”。

6. 发明申请

US20110289006A1 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：US20110289006A1
公开(公告)日：2011-11-24
申请号：US13186191
申请日：2011-07-19
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 secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component (53) immediately evaluates the buyer's 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 goods, services, or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies a commerce gateway component (52), which, in turn, notifies the credit processing server, which applies the charges to the buyer's virtual payment account.
摘要翻译：公开了一种安全，封闭的虚拟支付系统，其包括通过互联网络订购和支付商品，服务和内容的注册买家和卖家。通过申请虚拟支付帐户登记买家。卖方通过申请卖家账户登记。信用处理组件（53）立即评估买方的申请并为该账户分配信用额度。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，服务或内容，并将其收取到虚拟付款帐户。当产品发货时，卖方通知商业网关组件（52），商业网关组件（52）又向通知处理服务器通知该信用处理服务器向买方的虚拟支付帐户应用费用。

7. 发明申请

US20110276494A1 METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES, AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT 审中-公开
公开(公告)号：US20110276494A1
公开(公告)日：2011-11-10
申请号：US13186217
申请日：2011-07-19
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 , 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 secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component (53) immediately evaluates the buyer's 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 goods, services, or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies a commerce gateway component (52), which, in turn, notifies the credit processing server, which applies the charges to the buyer's virtual payment account.

8. 发明授权

US08015264B2 Method and apparatus for ordering goods, services and content over an internetwork 有权
公开(公告)号：US08015264B2
公开(公告)日：2011-09-06
申请号：US12567328
申请日：2009-09-25
申请人： Robin B. Hutchison , Michael T. G. Maydaniuk , George A. Fleming , Denis N. Heinrichs , P. Carl Linkletter , Iain M. Begg , Darren W. Hagman , Roberto Dominguez , Jun Huang
发明人： Robin B. Hutchison , Michael T. G. Maydaniuk , George A. Fleming , Denis N. Heinrichs , P. Carl Linkletter , Iain M. Begg , Darren W. Hagman , Roberto Dominguez , Jun Huang
IPC分类号： G06F15/16
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/102 , G06Q20/12 , G06Q20/16 , G06Q20/3674 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q30/02 , G06Q30/0601 , G06Q30/0613 , G06Q30/0635 , H04L12/14 , H04L12/1403 , H04L12/1421 , H04L12/1428 , H04L12/1439 , H04L12/1446 , H04L12/1453 , H04L12/1457 , H04L12/1471 , H04L12/1482 , H04L63/0428 , H04L63/06 , H04M15/00 , H04M15/68 , H04M15/8207 , H04M2215/0176 , H04M2215/0196 , H04M2215/22 , H04M2215/7813
摘要： A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered product by its telephone service provider. When a product is ordered over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider using a premium telephone number assigned and administered by the telephone service provider.

9. 发明授权

US08005722B2 Method and apparatus for ordering goods, services and content over an internetwork 失效
标题翻译：通过互联网络订购货物，服务和内容的方法和装置
公开(公告)号：US08005722B2
公开(公告)日：2011-08-23
申请号：US12567356
申请日：2009-09-25
申请人： Robin B. Hutchison , Michael T. G. Maydaniuk , George A. Fleming , Denis N. Heinrichs , P. Carl Linkletter , Iain M. Begg , Darren W. Hagman , Roberto Dominguez , Jun Huang
发明人： Robin B. Hutchison , Michael T. G. Maydaniuk , George A. Fleming , Denis N. Heinrichs , P. Carl Linkletter , Iain M. Begg , Darren W. Hagman , Roberto Dominguez , Jun Huang
IPC分类号： G06Q30/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/102 , G06Q20/12 , G06Q20/16 , G06Q20/3674 , G06Q20/3829 , G06Q20/401 , G06Q20/4012 , G06Q30/02 , G06Q30/0601 , G06Q30/0613 , G06Q30/0635 , H04L12/14 , H04L12/1403 , H04L12/1421 , H04L12/1428 , H04L12/1439 , H04L12/1446 , H04L12/1453 , H04L12/1457 , H04L12/1471 , H04L12/1482 , H04L63/0428 , H04L63/06 , H04M15/00 , H04M15/68 , H04M15/8207 , H04M2215/0176 , H04M2215/0196 , H04M2215/22 , H04M2215/7813
摘要： A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered product by its telephone service provider. When a product is ordered over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider using a premium telephone number assigned and administered by the telephone service provider.
摘要翻译：一种计费系统，其允许消费者从连接到因特网的计算机订购产品，其中消费者由其电话服务提供商自动向订购的产品支付费用。当通过因特网订购产品时，消费者计算机的插件组件与计费服务器建立互联网连接。计费服务器组件将产品的加密版本传输到插件组件。插件组件然后断开与Internet的连接，并与计费服务器建立点对点（PPP）连接。在PPP连接期间，计费服务器组件将分配给订单的访问密钥传送到插件组件，使得插件组件可以解密产品。消费者由电话服务提供商使用由电话服务提供商分配和管理的高级电话号码向该产品收取单位费率或“丢弃费用”。

10. 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。

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