US6205433B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
System and method for multi-currency transactions
Assignee: PayPal International Ltd
•
Filing: 1998-12-17
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Granted: 2001-03-20
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Expires: 2018-12-17
Abstract
Abstract A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a communication network, a merchant computer which is connected to the communication network, and a server connected to both the customer computer via the communication network and to the merchant computer via the communication network. The customer computer includes a first set of data which contains an amount the customer is willing to pay the merchant for a product in a first currency. The merchant computer includes a second set of data which contains a product price at which the merchant agrees to sell the product in a second currency. The server receives the first set of data and the second set of data. The server then converts the amount in the first currency into a converted amount in the second currency. The server approves the transaction if the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates. Once the transaction is approved, the approving entity may settle the transaction at its discretion thereby bearing the risk associated with currency exchange. The parties, however, incur no risk. The customer will pay the amount in the first currency and the merchant will receive the price in the second currency. These are values known and agreed to by the parties at the time of the transaction.
Inventors
- 👤 Brian Paul Boesch
- 👤 Stephen David Crocker
- 👤 Donald Eggleston Eastlake, III
- 👤 Alden Sherburne Hart, Jr.
- 👤 Andrew Jackson
- 👤 Robert A. Lindenberg
- 👤 Denise Marie Paredes
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-01 07:36
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/06; G06Q20/02; G06Q20/08; G06Q20/10; G06Q20/108; G06Q20/1085; G06Q20/12; G06Q20/38; G06Q20/381; G06Q30/00; G06Q30/06; G06Q30/0601; G06Q30/0633; G06Q30/0637; G06Q30/0641; G06Q40/00; G06Q40/03; G06Q40/04
Claims Analysis
Total Claims: 247
Claim 1
Independent Claim
181 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is at least equal to the product price in the second currency in accordance with current exchange rates.
Claim 2
Independent Claim
181 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is at least equal to the product price in the second currency in accordance with current exchange rates.
Claim 3
Dependent Claim
28 words
The system of claim 1 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 4
Dependent Claim
46 words
The system of claim 1 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 5
Dependent Claim
24 words
The system of claim 1 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 6
Dependent Claim
41 words
The system of claim 1 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 7
Dependent Claim
44 words
The system of claim 1 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 8
Dependent Claim
18 words
The system of claim 6 , wherein the customer selects the first currency from the plurality of currencies.
Claim 9
Dependent Claim
36 words
The system of claim 6 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 10
Dependent Claim
24 words
The system of claim 6 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 11
Dependent Claim
41 words
The system of claim 6 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 12
Dependent Claim
51 words
The system of claim 1 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 13
Dependent Claim
66 words
The system of claim 1 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 14
Dependent Claim
52 words
The system of claim 1 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 15
Dependent Claim
67 words
The system of claim 1 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 16
Dependent Claim
26 words
The system of claim 1 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 17
Dependent Claim
24 words
The system of claim 1 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 18
Dependent Claim
13 words
The system of claim 1 , wherein the merchant sets the exchange rate.
Claim 19
Dependent Claim
24 words
The system of claim 1 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 20
Independent Claim
204 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 21
Independent Claim
204 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 22
Independent Claim
222 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 23
Independent Claim
222 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 24
Independent Claim
200 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 25
Independent Claim
200 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 26
Independent Claim
217 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 27
Independent Claim
217 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 28
Independent Claim
220 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 29
Independent Claim
220 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 30
Dependent Claim
18 words
The system of claim 23 , wherein the customer selects the first currency from the plurality of currencies.
Claim 31
Dependent Claim
36 words
The system of claim 23 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 32
Dependent Claim
24 words
The system of claim 23 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 33
Dependent Claim
41 words
The system of claim 23 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 34
Independent Claim
242 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 35
Independent Claim
242 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 36
Independent Claim
243 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 37
Independent Claim
243 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 38
Independent Claim
200 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 39
Independent Claim
200 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 40
Independent Claim
189 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the merchant sets the exchange rate.
Claim 41
Independent Claim
189 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the merchant sets the exchange rate.
Claim 42
Independent Claim
200 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 43
Independent Claim
200 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates, wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 44
Independent Claim
182 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a payment range of the product price in the second currency in accordance with current exchange rates.
Claim 45
Independent Claim
182 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a payment range of the product price in the second currency in accordance with current exchange rates.
Claim 46
Dependent Claim
28 words
The system of claim 33 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 47
Dependent Claim
46 words
The system of claim 33 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 48
Dependent Claim
24 words
The system of claim 33 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 49
Dependent Claim
41 words
The system of claim 33 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 50
Dependent Claim
44 words
The system of claim 33 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 51
Dependent Claim
18 words
The system of claim 38 , wherein the customer selects the first currency from the plurality of currencies.
Claim 52
Dependent Claim
36 words
The system of claim 38 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 53
Dependent Claim
24 words
The system of claim 38 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 54
Dependent Claim
41 words
The system of claim 38 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 55
Dependent Claim
51 words
The system of claim 33 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 56
Dependent Claim
66 words
The system of claim 33 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 57
Dependent Claim
52 words
The system of claim 33 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 58
Dependent Claim
67 words
The system of claim 33 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 59
Dependent Claim
26 words
The system of claim 33 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 60
Dependent Claim
24 words
The system of claim 33 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 61
Dependent Claim
13 words
The system of claim 33 , wherein the merchant sets the exchange rate.
Claim 62
Dependent Claim
24 words
The system of claim 33 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 63
Dependent Claim
55 words
The system of claim 33 , wherein if the converted amount in the second currency is less than the product price in the second currency and the difference between the converted amount in the second currency and the product price in the second currency is within a predetermined range, then the server records the difference.
Claim 64
Dependent Claim
16 words
The system of claim 51 , wherein the server collects the recorded difference from the customer.
Claim 65
Independent Claim
209 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in the second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for approving the transaction when the converted amount in the second currency is at least equal to the product price in the second currency in accordance with current exchange rates.
Claim 66
Independent Claim
209 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in the second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for approving the transaction when the converted amount in the second currency is at least equal to the product price in the second currency in accordance with current exchange rates.
Claim 67
Dependent Claim
28 words
The system of claim 53 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 68
Dependent Claim
46 words
The system of claim 53 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 69
Dependent Claim
24 words
The system of claim 53 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 70
Dependent Claim
41 words
The system of claim 53 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 71
Dependent Claim
44 words
The system of claim 53 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 72
Dependent Claim
18 words
The system of claim 58 , wherein the customer selects the first currency from the plurality of currencies.
Claim 73
Dependent Claim
36 words
The system of claim 58 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 74
Dependent Claim
24 words
The system of claim 58 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 75
Dependent Claim
41 words
The system of claim 58 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 76
Dependent Claim
51 words
The system of claim 53 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 77
Dependent Claim
66 words
The system of claim 53 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 78
Dependent Claim
52 words
The system of claim 53 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 79
Dependent Claim
67 words
The system of claim 53 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 80
Dependent Claim
26 words
The system of claim 53 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 81
Dependent Claim
24 words
The system of claim 53 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 82
Dependent Claim
13 words
The system of claim 53 , wherein the merchant sets the exchange rate.
Claim 83
Dependent Claim
24 words
The system of claim 53 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 84
Independent Claim
210 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates.
Claim 85
Independent Claim
210 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates.
Claim 86
Dependent Claim
28 words
The system of claim 71 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 87
Dependent Claim
46 words
The system of claim 71 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 88
Dependent Claim
24 words
The system of claim 71 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 89
Dependent Claim
41 words
The system of claim 71 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 90
Dependent Claim
44 words
The system of claim 71 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 91
Dependent Claim
18 words
The system of claim 76 , wherein the customer selects the first currency from the plurality of currencies.
Claim 92
Dependent Claim
36 words
The system of claim 76 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 93
Dependent Claim
24 words
The system of claim 76 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 94
Dependent Claim
41 words
The system of claim 76 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 95
Dependent Claim
51 words
The system of claim 71 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 96
Dependent Claim
66 words
The system of claim 71 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 97
Dependent Claim
52 words
The system of claim 71 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 98
Dependent Claim
67 words
The system of claim 71 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 99
Dependent Claim
26 words
The system of claim 71 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 100
Dependent Claim
24 words
The system of claim 71 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 101
Dependent Claim
13 words
The system of claim 71 , wherein the merchant sets the exchange rate.
Claim 102
Dependent Claim
24 words
The system of claim 71 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 103
Independent Claim
210 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for approving the transaction when the converted amount in the second currency is within a payment range of the product price in the second currency in accordance with current exchange rates.
Claim 104
Independent Claim
210 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; a merchant computer associated with a merchant and connected to the network, wherein the merchant computer further comprises a second set of data including a product price at which the merchant agrees to sell the product in a second currency; and a server connected to both the customer computer via the network and the merchant computer via the network, for receiving the first set of data, the second set of data, and for approving the transaction when the converted amount in the second currency is within a payment range of the product price in the second currency in accordance with current exchange rates.
Claim 105
Dependent Claim
28 words
The system of claim 89 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 106
Dependent Claim
46 words
The system of claim 89 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 107
Dependent Claim
24 words
The system of claim 89 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 108
Dependent Claim
41 words
The system of claim 89 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 109
Dependent Claim
44 words
The system of claim 89 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 110
Dependent Claim
18 words
The system of claim 94 , wherein the customer selects the first currency from the plurality of currencies.
Claim 111
Dependent Claim
36 words
The system of claim 94 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 112
Dependent Claim
24 words
The system of claim 94 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 113
Dependent Claim
41 words
The system of claim 94 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 114
Dependent Claim
51 words
The system of claim 89 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 115
Dependent Claim
66 words
The system of claim 89 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 116
Dependent Claim
52 words
The system of claim 89 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 117
Dependent Claim
67 words
The system of claim 89 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 118
Dependent Claim
26 words
The system of claim 89 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 119
Dependent Claim
24 words
The system of claim 89 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 120
Dependent Claim
13 words
The system of claim 89 , wherein the merchant sets the exchange rate.
Claim 121
Dependent Claim
24 words
The system of claim 89 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 122
Independent Claim
169 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is at least equal to the product price in the second currency in accordance with current exchange rates.
Claim 123
Independent Claim
169 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is at least equal to the product price in the second currency in accordance with current exchange rates.
Claim 124
Dependent Claim
28 words
The system of claim 107 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 125
Dependent Claim
46 words
The system of claim 107 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 126
Dependent Claim
24 words
The system of claim 107 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 127
Dependent Claim
41 words
The system of claim 107 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 128
Dependent Claim
44 words
The system of claim 107 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 129
Dependent Claim
18 words
The system of claim 112 , wherein the customer selects the first currency from the plurality of currencies.
Claim 130
Dependent Claim
36 words
The system of claim 112 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 131
Dependent Claim
24 words
The system of claim 112 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 132
Dependent Claim
41 words
The system of claim 112 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 133
Dependent Claim
51 words
The system of claim 107 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 134
Dependent Claim
66 words
The system of claim 107 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 135
Dependent Claim
52 words
The system of claim 107 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 136
Dependent Claim
67 words
The system of claim 107 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 137
Dependent Claim
26 words
The system of claim 107 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 138
Dependent Claim
24 words
The system of claim 107 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 139
Dependent Claim
13 words
The system of claim 107 , wherein the merchant sets the exchange rate.
Claim 140
Dependent Claim
24 words
The system of claim 107 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 141
Independent Claim
170 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates.
Claim 142
Independent Claim
170 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates.
Claim 143
Dependent Claim
28 words
The system of claim 125 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 144
Dependent Claim
46 words
The system of claim 125 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 145
Dependent Claim
24 words
The system of claim 125 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 146
Dependent Claim
41 words
The system of claim 125 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 147
Dependent Claim
44 words
The system of claim 125 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 148
Dependent Claim
18 words
The system of claim 130 , wherein the customer selects the first currency from the plurality of currencies.
Claim 149
Dependent Claim
36 words
The system of claim 130 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 150
Dependent Claim
24 words
The system of claim 130 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 151
Dependent Claim
41 words
The system of claim 130 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 152
Dependent Claim
51 words
The system of claim 125 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 153
Dependent Claim
66 words
The system of claim 125 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 154
Dependent Claim
52 words
The system of claim 125 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 155
Dependent Claim
67 words
The system of claim 125 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 156
Dependent Claim
26 words
The system of claim 125 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 157
Dependent Claim
24 words
The system of claim 125 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 158
Dependent Claim
13 words
The system of claim 125 , wherein the merchant sets the exchange rate.
Claim 159
Dependent Claim
24 words
The system of claim 125 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 160
Independent Claim
170 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a payment range of the product price in the second currency in accordance with current exchange rates.
Claim 161
Independent Claim
170 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including an amount the customer agrees to pay for the a product in a first currency; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, for converting the amount in the first currency into a converted amount in the second currency, and for approving the transaction when the converted amount in the second currency is within a payment range of the product price in the second currency in accordance with current exchange rates.
Claim 162
Dependent Claim
28 words
The system of claim 143 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 163
Dependent Claim
46 words
The system of claim 143 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 164
Dependent Claim
24 words
The system of claim 143 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 165
Dependent Claim
41 words
The system of claim 143 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 166
Dependent Claim
44 words
The system of claim 143 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 167
Dependent Claim
18 words
The system of claim 148 , wherein the customer selects the first currency from the plurality of currencies.
Claim 168
Dependent Claim
36 words
The system of claim 148 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 169
Dependent Claim
24 words
The system of claim 148 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 170
Dependent Claim
41 words
The system of claim 148 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 171
Dependent Claim
51 words
The system of claim 143 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 172
Dependent Claim
66 words
The system of claim 143 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 173
Dependent Claim
52 words
The system of claim 143 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 174
Dependent Claim
67 words
The system of claim 143 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 175
Dependent Claim
26 words
The system of claim 143 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 176
Dependent Claim
24 words
The system of claim 143 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 177
Dependent Claim
13 words
The system of claim 143 , wherein the merchant sets the exchange rate.
Claim 178
Dependent Claim
24 words
The system of claim 143 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 179
Independent Claim
198 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, and for approving the transaction when the converted amount in the second currency is at least equal to the product price in the second currency in accordance with current exchange rates.
Claim 180
Independent Claim
198 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, and for approving the transaction when the converted amount in the second currency is at least equal to the product price in the second currency in accordance with current exchange rates.
Claim 181
Dependent Claim
28 words
The system of claim 161 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 182
Dependent Claim
46 words
The system of claim 161 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 183
Dependent Claim
24 words
The system of claim 161 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 184
Dependent Claim
41 words
The system of claim 161 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 185
Dependent Claim
44 words
The system of claim 161 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 186
Dependent Claim
18 words
The system of claim 166 , wherein the customer selects the first currency from the plurality of currencies.
Claim 187
Dependent Claim
36 words
The system of claim 166 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 188
Dependent Claim
24 words
The system of claim 166 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 189
Dependent Claim
41 words
The system of claim 166 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 190
Dependent Claim
51 words
The system of claim 161 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 191
Dependent Claim
66 words
The system of claim 161 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 192
Dependent Claim
52 words
The system of claim 161 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 193
Dependent Claim
67 words
The system of claim 161 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 194
Dependent Claim
26 words
The system of claim 161 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 195
Dependent Claim
24 words
The system of claim 161 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 196
Dependent Claim
13 words
The system of claim 161 , wherein the merchant sets the exchange rate.
Claim 197
Dependent Claim
24 words
The system of claim 161 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 198
Independent Claim
199 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates.
Claim 199
Independent Claim
199 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, and for approving the transaction when the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates.
Claim 200
Dependent Claim
28 words
The system of claim 179 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 201
Dependent Claim
46 words
The system of claim 179 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 202
Dependent Claim
24 words
The system of claim 179 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 203
Dependent Claim
41 words
The system of claim 179 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 204
Dependent Claim
44 words
The system of claim 179 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 205
Dependent Claim
18 words
The system of claim 184 , wherein the customer selects the first currency from the plurality of currencies.
Claim 206
Dependent Claim
36 words
The system of claim 184 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 207
Dependent Claim
24 words
The system of claim 184 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 208
Dependent Claim
41 words
The system of claim 184 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 209
Dependent Claim
51 words
The system of claim 179 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 210
Dependent Claim
66 words
The system of claim 179 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 211
Dependent Claim
52 words
The system of claim 179 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 212
Dependent Claim
67 words
The system of claim 179 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 213
Dependent Claim
26 words
The system of claim 179 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 214
Dependent Claim
24 words
The system of claim 179 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 215
Dependent Claim
13 words
The system of claim 179 , wherein the merchant sets the exchange rate.
Claim 216
Dependent Claim
24 words
The system of claim 179 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 217
Independent Claim
199 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, and for approving the transaction when the converted amount in the second currency is within a payment range of the product price in the second currency in accordance with current exchange rates.
Claim 218
Independent Claim
199 words
A system for determining approval of a transaction between a merchant and a customer over a network, wherein the transaction includes the merchant providing a product to the customer at a product price in a second currency, wherein the product price in the second currency is known by the customer, wherein the system comprises: a network; a customer computer associated with a customer and connected to the network, wherein the customer computer further comprises a first set of data including a converted amount in a second currency, wherein the customer computer generates the converted amount in the second currency by converting the amount the customer agrees to pay for a product in a first amount into the converted amount in the second currency using current exchange rates, wherein the second currency is a currency the merchant is willing to accept; and a server connected to the customer computer via the network and having the product price in a second currency, for receiving the first set of data, and for approving the transaction when the converted amount in the second currency is within a payment range of the product price in the second currency in accordance with current exchange rates.
Claim 219
Dependent Claim
28 words
The system of claim 197 , wherein the customer selects the first currency from the plurality of currencies in which the customer has an account for each currency.
Claim 220
Dependent Claim
46 words
The system of claim 197 , wherein the server selects the first currency from the plurality of currencies in which the customer has an account for each currency, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 221
Dependent Claim
24 words
The system of claim 197 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 222
Dependent Claim
41 words
The system of claim 197 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 223
Dependent Claim
44 words
The system of claim 197 , wherein the first currency is selected from a plurality of currencies in which the customer has an account for each currency and the second currency is selected from a plurality of currencies the merchant is willing to accept.
Claim 224
Dependent Claim
18 words
The system of claim 202 , wherein the customer selects the first currency from the plurality of currencies.
Claim 225
Dependent Claim
36 words
The system of claim 202 , wherein the server selects the first currency from the plurality of currencies, wherein the selected first currency when converted into the second currency, the merchant price is the least expensive.
Claim 226
Dependent Claim
24 words
The system of claim 202 , wherein the customer selects the second currency from the plurality of currencies the merchant is willing to accept.
Claim 227
Dependent Claim
41 words
The system of claim 202 , wherein the server selects the second currency from the plurality of currencies, wherein the merchant price is the least expensive for the selected second currency when the first currency is converted into the second currency.
Claim 228
Dependent Claim
51 words
The system of claim 197 , wherein the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the server deducts the amount in the first currency from the balance in the customer balance account.
Claim 229
Dependent Claim
66 words
The system of claim 197 , wherein a party other than the server further comprises a customer balance account associated with the customer, wherein the customer balance account comprises a customer balance in the first currency and wherein the party other than the server deducts the amount in the first currency from the balance in the customer balance account based on information provided by the server.
Claim 230
Dependent Claim
52 words
The system of claim 197 , wherein the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the server adds the converted amount in the second currency to the balance in the merchant balance account.
Claim 231
Dependent Claim
67 words
The system of claim 197 , wherein a party other than the server further comprises a merchant balance account associated with the merchant, wherein the merchant balance account comprises a merchant balance in the second currency and wherein the party other than the server adds the converted amount in the second currency to the balance in the merchant balance account based on information provided by the server.
Claim 232
Dependent Claim
26 words
The system of claim 197 , wherein the network is selected from the group consisting of the Internet, an intranet, and a Local Area Network (LAN).
Claim 233
Dependent Claim
24 words
The system of claim 197 , wherein the current exchange rate is selected from the group consisting of a currency broker and a bank.
Claim 234
Dependent Claim
13 words
The system of claim 197 , wherein the merchant sets the exchange rate.
Claim 235
Dependent Claim
24 words
The system of claim 197 , wherein the customer computer sends a copy of the agreed price in the second currency to the server.
Claim 236
Independent Claim
167 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a first set of data from a customer computer to a server, wherein the first set of data includes an amount in a first currency; transmitting a second set of data by a merchant computer to the server; wherein the second set of data includes a product price in a second currency; receiving the first set of data and the second set of data by the server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is at least equal to the product price in the second currency.
Claim 237
Independent Claim
167 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a first set of data from a customer computer to a server, wherein the first set of data includes an amount in a first currency; transmitting a second set of data by a merchant computer to the server; wherein the second set of data includes a product price in a second currency; receiving the first set of data and the second set of data by the server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is at least equal to the product price in the second currency.
Claim 238
Independent Claim
168 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a first set of data from a customer computer to a server, wherein the first set of data includes an amount in a first currency; transmitting a second set of data by a merchant computer to the server; wherein the second set of data includes a product price in a second currency; receiving the first set of data and the second set of data by the server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is within a payment range of the product price in the second currency.
Claim 239
Independent Claim
168 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a first set of data from a customer computer to a server, wherein the first set of data includes an amount in a first currency; transmitting a second set of data by a merchant computer to the server; wherein the second set of data includes a product price in a second currency; receiving the first set of data and the second set of data by the server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is within a payment range of the product price in the second currency.
Claim 240
Independent Claim
173 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a second set of data from a merchant computer to a customer computer, wherein the second set of data includes a product price in a second currency; receiving the second set of data by the customer computer, wherein the customer computer has a first set of data including an amount in a first currency; transmitting the first set of data and the second set of data by the customer computer to a server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is at least equal to the product price in the second currency.
Claim 241
Independent Claim
173 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a second set of data from a merchant computer to a customer computer, wherein the second set of data includes a product price in a second currency; receiving the second set of data by the customer computer, wherein the customer computer has a first set of data including an amount in a first currency; transmitting the first set of data and the second set of data by the customer computer to a server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is at least equal to the product price in the second currency.
Claim 242
Independent Claim
174 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a second set of data from a merchant computer to a customer computer, wherein the second set of data includes a product price in a second currency; receiving the second set of data by the customer computer, wherein the customer computer has a first set of data including an amount in a first currency; transmitting the first set of data and the second set of data by the customer computer to a server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is within a payment range of the product price in the second currency.
Claim 243
Independent Claim
174 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a second set of data from a merchant computer to a customer computer, wherein the second set of data includes a product price in a second currency; receiving the second set of data by the customer computer, wherein the customer computer has a first set of data including an amount in a first currency; transmitting the first set of data and the second set of data by the customer computer to a server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is within a payment range of the product price in the second currency.
Claim 244
Independent Claim
172 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a first set of data from a customer computer to a merchant computer, wherein the first set of data includes an amount in a first currency; receiving the first set of data by the merchant computer, wherein the merchant computer has a second set of data including a product price in a second currency; transmitting the first set of data and second set of data by the merchant computer to a server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is at least equal to the product price in the second currency.
Claim 245
Independent Claim
172 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a first set of data from a customer computer to a merchant computer, wherein the first set of data includes an amount in a first currency; receiving the first set of data by the merchant computer, wherein the merchant computer has a second set of data including a product price in a second currency; transmitting the first set of data and second set of data by the merchant computer to a server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is at least equal to the product price in the second currency.
Claim 246
Independent Claim
173 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a first set of data from a customer computer to a merchant computer, wherein the first set of data includes an amount in a first currency; receiving the first set of data by the merchant computer, wherein the merchant computer has a second set of data including a product price in a second currency; transmitting the first set of data and second set of data by the merchant computer to a server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is within a payment range of the product price in the second currency.
Claim 247
Independent Claim
173 words
A method for determining approval of a transaction over a network between a customer having a customer computer connected to the network and a merchant having a merchant computer connected to the network, wherein the customer computer and the merchant computer are connected to a server via the network, wherein the method comprises: transmitting a first set of data from a customer computer to a merchant computer, wherein the first set of data includes an amount in a first currency; receiving the first set of data by the merchant computer, wherein the merchant computer has a second set of data including a product price in a second currency; transmitting the first set of data and second set of data by the merchant computer to a server; converting the amount in the first currency into a converted amount in the second currency using current exchange rates; and approving the transaction by the server when the converted amount in the second currency is within a payment range of the product price in the second currency.
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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) | 2004-03-19 | 2004-09-18 | 2005-03-20 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2008-03-19 | 2008-09-18 | 2009-03-20 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2012-03-19 | 2012-09-18 | 2013-03-20 | $7700.00 | Window Closed / Lapsed |