Patent US6014650A successfully refreshed from Google Patents.
US6014650A
Expired / Lapsed
US
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Purchase management system and method
Assignee: Individual
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Filing: 1997-08-19
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Granted: 2000-01-11
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Expires: 2017-08-19
Abstract
Abstract A system and method of implementing a secure purchase management system wherein a unique account code is assigned to a purchaser; a set of secret transaction codes are provided to the purchaser, one secret transaction code to be used for each individual purchase to be made by the purchaser; and each purchase request from a purchaser is verified to make sure it includes the purchaser's account code and a transaction code which has not been used before to thereby prevent unauthorized purchases and fraud.
Inventors
- 👤 David Zampese
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-03 16:27
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/102; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/38; G06Q20/385; G06Q20/40; G06Q20/409; G06Q20/4093
Claims Analysis
Total Claims: 21
Claim 1
Independent Claim
75 words
A method of implementing a secure purchase management system, the method comprising: assigning a unique account code to a purchaser; providing a set of secret transaction codes to the purchaser, one secret transaction code for each individual purchase to be made by the purchaser; and verifying that a purchase request from a purchaser includes the purchaser's account code and a transaction code which has not been used before to thereby prevent unauthorized purchases and fraud.
Claim 2
Independent Claim
75 words
A method of implementing a secure purchase management system, the method comprising: assigning a unique account code to a purchaser; providing a set of secret transaction codes to the purchaser, one secret transaction code for each individual purchase to be made by the purchaser; and verifying that a purchase request from a purchaser includes the purchaser's account code and a transaction code which has not been used before to thereby prevent unauthorized purchases and fraud.
Claim 3
Dependent Claim
52 words
The method of claim 1 in which purchases are made via a computerized network and the step of providing the set of unique transaction codes to the purchaser includes supplying the transaction codes to the purchaser via a medium external to the computerized network to prevent fraudulent interception of the transaction codes.
Claim 4
Dependent Claim
18 words
The method of claim 2 in which the transaction codes are sent to the purchaser via the mail.
Claim 5
Dependent Claim
20 words
The method of claim 1 further including the step of checking the purchaser's account balance upon receiving a purchase request.
Claim 6
Dependent Claim
24 words
The method of claim 1 in which the step of providing secret transaction codes includes generating random numbers to be provided to be purchaser.
Claim 7
Dependent Claim
29 words
The method of claim 1 in which the step of providing secret transaction codes includes providing a series of transaction codes to the purchaser to be used in order.
Claim 8
Dependent Claim
21 words
The method of claim 6 further including the step of deleting a transaction code after it is used by the purchaser.
Claim 9
Dependent Claim
89 words
A computerized purchase management system comprising: means for assigning a unique account code to a purchaser; means for providing a set of secret transaction codes to the purchaser, one transaction code for each individual purchase to be made by the purchaser; a database including the purchaser's account code and secret transaction codes; and means, responsive to the database, for verifying that a purchase request from a purchaser includes the purchaser's account code and a transaction code which has not been used before to thereby prevent unauthorized purchases and fraud.
Claim 10
Dependent Claim
89 words
A computerized purchase management system comprising: means for assigning a unique account code to a purchaser; means for providing a set of secret transaction codes to the purchaser, one transaction code for each individual purchase to be made by the purchaser; a database including the purchaser's account code and secret transaction codes; and means, responsive to the database, for verifying that a purchase request from a purchaser includes the purchaser's account code and a transaction code which has not been used before to thereby prevent unauthorized purchases and fraud.
Claim 11
Dependent Claim
33 words
The system of claim 8 in which the database further includes the purchaser's account balance, the system further including means for checking the purchaser's account balance upon the receipt of a purchase request.
Claim 12
Dependent Claim
17 words
The system of claim 8 in which the means for providing includes a computerized random number generator.
Claim 13
Dependent Claim
29 words
The system of claim 8 in which the means for verifying includes means for deleting each secret transaction code from the database after they are used by the purchaser.
Claim 14
Dependent Claim
74 words
A computerized purchase verification system comprising: a database including a purchaser's unique account code and a plurality of transaction codes; means, responsive to a purchase request which includes an account code and one transaction code, for accessing the database and for verifying the validity of the account code and the validity of the transaction code; and means for deleting the one said transaction code to prevent unauthorized purchasers and re-use of that transaction code.
Claim 15
Dependent Claim
74 words
A computerized purchase verification system comprising: a database including a purchaser's unique account code and a plurality of transaction codes; means, responsive to a purchase request which includes an account code and one transaction code, for accessing the database and for verifying the validity of the account code and the validity of the transaction code; and means for deleting the one said transaction code to prevent unauthorized purchasers and re-use of that transaction code.
Claim 16
Dependent Claim
15 words
The system of claim 12 in which the plurality of transaction codes have an order.
Claim 17
Dependent Claim
33 words
The method of claim 13 in which the means for verifying includes a routine for ensuring that proper transaction code in the ordered series of transaction codes is present in the purchase request.
Claim 18
Dependent Claim
17 words
The system of claim 12 further including a computerized random number generator for generating said transaction codes.
Claim 19
Dependent Claim
15 words
The system of claim 12 in which the database further includes the purchaser's account balance.
Claim 20
Dependent Claim
35 words
The system of claim 16 further including means, responsive to a purchase request which includes a purchase amount, for accessing the database and for verifying that the purchase amount is less than the account balance.
Claim 21
Independent Claim
25 words
The system of claims 17 further includes means for deleting the transaction code of the purchase request if the purchase amount exceeds the account balance.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-01-10 | 2003-07-12 | 2004-01-11 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-01-10 | 2007-07-12 | 2008-01-11 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-01-10 | 2011-07-12 | 2012-01-11 | $7700.00 | Window Closed / Lapsed |