US6088683A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Secure purchase transaction method using telephone number
Assignee: OL Security LLC
•
Filing: 1996-08-21
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Granted: 2000-07-11
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Expires: 2016-08-21
Abstract
Abstract A method of completing a purchase utilizing a first network and a second network, the method being applicable for example to a case in which the second network (which may be the public telephone system) is considered by knowledgeable people to be more secure than the first network (which may be the Internet). The method comprises the steps of (a) registering over the second network a customer's financial information in a central processing center; (b) ordering over the first network a good or service that the customer desires to purchase from a merchant; (c) supplying identifying information to the merchant pertaining to the customer; (d) supplying information from the merchant to the processing center pertaining to the purchase; (e) establishing a contact between the customer and the processing center in which the customer is identified to the processing center and the customer expresses intent to complete the purchase; and (f) debiting an account of the customer and crediting an account of the merchant in order to complete the purchase.
Inventors
- 👤 Reza Jalili
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-08 02:21
CPC Classifications
G; G06; G06Q; G06Q30/00; G06Q30/06; G06Q20/00; G06Q20/08; G06Q20/12; G06Q20/20; G06Q20/209; G06Q20/38; G06Q20/40; G06Q20/42; G06Q20/425; G06Q30/0601; G06Q30/0633; G06Q40/00; G06Q40/04
Claims Analysis
Total Claims: 22
Claim 1
Independent Claim
143 words
A method of completing a purchase utilizing a first electronic network and a second electronic network; comprising the steps of: (a) registering over the second electronic network a customer's financial information in a central processing center; (b) ordering over the first electronic network a good or service that the customer desires to purchase from a merchant; (c) supplying identifying information to the merchant pertaining to the customer; (d) supplying information from the merchant to the processing center pertaining to the purchase; (e) establishing, over the second electronic network a contact between the customer and the processing center in which the customer is identified to the processing center and the customer is enabled to express intent to complete the purchase; and (f) debiting an account of the customer and crediting an account of the merchant using electronic means in order to complete the purchase.
Claim 2
Independent Claim
143 words
A method of completing a purchase utilizing a first electronic network and a second electronic network; comprising the steps of: (a) registering over the second electronic network a customer's financial information in a central processing center; (b) ordering over the first electronic network a good or service that the customer desires to purchase from a merchant; (c) supplying identifying information to the merchant pertaining to the customer; (d) supplying information from the merchant to the processing center pertaining to the purchase; (e) establishing, over the second electronic network a contact between the customer and the processing center in which the customer is identified to the processing center and the customer is enabled to express intent to complete the purchase; and (f) debiting an account of the customer and crediting an account of the merchant using electronic means in order to complete the purchase.
Claim 3
Dependent Claim
22 words
A method as in claim 1, further comprising the step of the processing center verifying the source of the customer's financial information.
Claim 4
Dependent Claim
36 words
A method as in claim 2, wherein the second network is the public telephone system, said identifying information of step (c) includes a telephone number, and the verifying step is carried out using the CallerID system.
Claim 5
Dependent Claim
33 words
A method as in claim 3, wherein the financial information registered in the processing center includes an alternate telephone number and the verifying step is carried out by telephoning the alternate telephone number.
Claim 6
Dependent Claim
36 words
A method as in claim 3, wherein said information supplied in step (d) includes an invoice, and said identifying information pertaining to the customer in step (c) includes a predetermined invoice lifetime selected by the customer.
Claim 7
Dependent Claim
35 words
A method as in claim 5, wherein said information supplied in step (d) includes an invoice, and said information pertaining to the purchase in step (d) includes a predetermined invoice lifetime selected by the merchant.
Claim 8
Dependent Claim
35 words
A method as in claim 3, wherein said information supplied in step (d) includes an invoice, and said information pertaining to the purchase in step (d) includes a predetermined invoice lifetime selected by the merchant.
Claim 9
Dependent Claim
30 words
A method as in claim 3, wherein said step (e) is carried out over the second network and the customer is identified to the processing center using the CallerID system.
Claim 10
Dependent Claim
29 words
A method as in claim 3, further comprising the step of confirming to the customer and to the merchant over the first network that the purchase has been completed.
Claim 11
Dependent Claim
38 words
A method as in claim 3, wherein said step (e) further comprises the step of the processing center displaying a plurality of orders that the customer has made and permitting the customer to select from among those orders.
Claim 12
Dependent Claim
48 words
A method as in claim 3, wherein said step (f) includes the steps of the processing center supplying the customer's financial information over the second electronic network, and the merchant completing the purchase by electronically debiting an account of the customer and crediting an account of the merchant.
Claim 13
Dependent Claim
33 words
A method as in claim 3, further comprising the step of the processing center confirming to the customer using said first electronic network that the financial information has been supplied to the merchant.
Claim 14
Dependent Claim
34 words
A method as in claim 3, wherein said step (f) includes the step of the processing center completing the purchase electronically debiting an account of the customer and crediting an account of the merchant.
Claim 15
Dependent Claim
15 words
A method as in claim 3, wherein said step (e) is initiated by the customer.
Claim 16
Dependent Claim
16 words
A method as in claim 3, wherein said step (e) is initiated by the processing center.
Claim 17
Independent Claim
114 words
A method of operation of a processing center for carrying out an electronic financial transaction utilizing a first electronic network and a second electronic network, comprising the steps of: receiving a customer's financial information in said processing center using the second electronic network; verifying the source of the customer's financial information; receiving information in said processing center pertaining to a good or service selected over the first electronic network that the customer desires to purchase from a merchant; and establishing contact between the customer and the processing center by a telephone number in which the customer is identified to the processing center and the customer is enabled to express intent to complete the purchase.
Claim 18
Independent Claim
114 words
A method of operation of a processing center for carrying out an electronic financial transaction utilizing a first electronic network and a second electronic network, comprising the steps of: receiving a customer's financial information in said processing center using the second electronic network; verifying the source of the customer's financial information; receiving information in said processing center pertaining to a good or service selected over the first electronic network that the customer desires to purchase from a merchant; and establishing contact between the customer and the processing center by a telephone number in which the customer is identified to the processing center and the customer is enabled to express intent to complete the purchase.
Claim 19
Dependent Claim
26 words
A method as in claim 16, wherein the second network is the public telephone system and the identifying step is carried out using the CallerID system.
Claim 20
Dependent Claim
33 words
A method as in claim 17, wherein the financial information registered in the processing center includes an alternate telephone number and the verifying step is carried out by telephoning the alternate telephone number.
Claim 21
Dependent Claim
27 words
A method as in claim 17, wherein contact is established over the second network and the customer is identified to the processing center using the CallerID system.
Claim 22
Dependent Claim
40 words
A method as in claim 17, wherein establishing contact further comprises the step of the processing center displaying a plurality of orders that the customer has made and permitting the customer to select from among those orders by electronic means.
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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) | 2003-07-11 | 2004-01-10 | 2004-07-11 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-07-11 | 2008-01-10 | 2008-07-11 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-07-11 | 2012-01-10 | 2012-07-11 | $7700.00 | Window Closed / Lapsed |