US7177837B2
Expired / Lapsed
US
⏱️ 0.0 years remaining
Computer-implemented method and system for managing accounting and billing of transactions over public media such as the internet
Assignee: FOX LAWRENCE
•
Filing: 2003-11-17
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Granted: 2007-02-13
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Expires: 2023-11-17
Abstract
Abstract A system and method for managing accounting and billing e-commerce (including m-commerce) transactions. The user may connect to the e-commerce network by placing a call from a land line or sending a text message. The user may then purchase goods and/or services after meeting required user qualifications, such as minimum age or credit rating. The user qualifications may be established within the framework of a gateway that assigns a unique identifier or personal identification number (PIN) for e-commerce network access once the qualifications are met. The user qualifications may also be established within the framework of a remote access server (RAS) that is accessed by a user through a downloadable automatic dialer having code containing a unique identifier relating to a merchant, product or service. The user is invoiced for the product or service according to the telephone from which the call originated.
Inventors
- 👤 Pascal Pegaz-Paquet
- 👤 Stephane Touboul
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-29 05:24
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/14; G06Q20/04; G06Q20/10; G06Q20/102; G06Q20/30; G06Q20/32; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q30/00; G06Q30/04; G06Q30/06; G06Q30/0601; G06Q30/0607; G06Q40/00; G06Q40/03
Claims Analysis
Total Claims: 16
Claim 1
Independent Claim
83 words
A system for restricting access to an e-commerce network, comprising: a gateway device configured to provide access to the e-commerce network subsequent to verification of a required user qualification, wherein the required user qualification is a minimum credit rating for a user; a qualification verification device operably coupled to the gateway device, the qualification verification device being configured to verify the required user qualification in response to a user qualification input signal, wherein the user qualification input signal includes a unique user identifier.
Claim 2
Independent Claim
83 words
A system for restricting access to an e-commerce network, comprising: a gateway device configured to provide access to the e-commerce network subsequent to verification of a required user qualification, wherein the required user qualification is a minimum credit rating for a user; a qualification verification device operably coupled to the gateway device, the qualification verification device being configured to verify the required user qualification in response to a user qualification input signal, wherein the user qualification input signal includes a unique user identifier.
Claim 3
Dependent Claim
38 words
The system as recited in claim 1 wherein the user qualification input signal includes at least part of a social security number, and wherein the verification device retrieves a qualification information signal from a social security database memory.
Claim 4
Dependent Claim
32 words
The system as recited in claim 2 , wherein the verification device is further configured to retrieve a qualification information signal from a third party database memory that contains credit rating information.
Claim 5
Dependent Claim
26 words
The system as recited in claim 3 , wherein the credit rating information is used to extend credit to a user for goods or services purchased.
Claim 6
Dependent Claim
75 words
The system as recited in claim 1 , wherein the gateway device includes an interactive voice response server configured to interact with a user over an established connection between the user and the gateway device, and wherein the interactive voice response server is further configured to request a user input signal of the user unique identifier and to recognize the user unique identifier; and wherein the gateway device is a voice over internet protocol gateway.
Claim 7
Independent Claim
34 words
The system as recited in 5 , wherein the gateway device is further configured to provide a unique gateway identification code signal which, when input by the user, provides access to the e-commerce network.
Claim 8
Independent Claim
34 words
The system as recited in 5 , wherein the gateway device is further configured to provide a unique gateway identification code signal which, when input by the user, provides access to the e-commerce network.
Claim 9
Independent Claim
114 words
A system for qualifying a user to access an e-commerce network, the system being operably coupled to the e-commerce network, the system comprising: a remote terminal being configured to receive a request, the remote terminal further having a unique user identifier retrieval device configured to retrieve a first unique user identifier signal from at least one database memory; and a qualification verification device operably coupled to the remote terminal, the qualification verification device being configured to verify a required user qualification in response to a user qualification input signal, wherein the required user qualification is a minimum credit rating for a user, and the user qualification input signal includes a second unique user identifier.
Claim 10
Independent Claim
114 words
A system for qualifying a user to access an e-commerce network, the system being operably coupled to the e-commerce network, the system comprising: a remote terminal being configured to receive a request, the remote terminal further having a unique user identifier retrieval device configured to retrieve a first unique user identifier signal from at least one database memory; and a qualification verification device operably coupled to the remote terminal, the qualification verification device being configured to verify a required user qualification in response to a user qualification input signal, wherein the required user qualification is a minimum credit rating for a user, and the user qualification input signal includes a second unique user identifier.
Claim 11
Dependent Claim
35 words
The system as recited in claim 7 wherein the user qualification input signal includes at least part of a social security number, and wherein the verification device retrieves information from a social security database memory.
Claim 12
Dependent Claim
29 words
The system as recited in claim 8 , wherein the verification device is further configured to retrieve information from a third party database memory that contains credit rating information.
Claim 13
Dependent Claim
26 words
The system as recited in claim 9 , wherein the credit rating information is used to extend credit to a user for goods or services purchased.
Claim 14
Dependent Claim
82 words
The system as recited in claim 7 , wherein the qualification verification device is in communication with the gateway device, and the gateway device includes an interactive voice response server configured to interact with a user over the established connection, and wherein the interactive voice response server is further configured to request a user input signal of the first unique user identifier and to recognize the first unique user identifier; and wherein the gateway device is a voice over internet protocol gateway.
Claim 15
Independent Claim
33 words
The system as recited in 11 , wherein the gateway device is configured to provide a unique gateway identification code signal which, when input by the user, provides access to the e-commerce network.
Claim 16
Independent Claim
33 words
The system as recited in 11 , wherein the gateway device is configured to provide a unique gateway identification code signal which, when input by the user, provides access to the e-commerce network.
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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) | 2010-02-12 | 2010-08-14 | 2011-02-13 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2014-02-12 | 2014-08-14 | 2015-02-13 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2018-02-12 | 2018-08-14 | 2019-02-13 | $7700.00 | Window Closed / Lapsed |