Methods for purchases using customer computer

US8719116B2 · kind B2 · utility

Assignee

• eCardless Bancorp, Ltd. · US

Inventors

• Randy D. Sines · Great Falls, US
• Randy A. Gregory · Spokane, US

Key dates

• Filing date: Sep 13, 2011
• Grant date: May 6, 2014
• Expiry date: Sep 13, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0239
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Methods for purchasing of goods or services over the internet. A customer has a customer account set up at a bank with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery addresses, authorized user identification, authorized telephone caller identification, and/or other account information. An order is placed by a user via an ordering computer which provides order information. Such order information includes verification variables used by the bank. Verification and/or authentication using one or more variables of the customer account information is used by the bank to validate the order before assuring payment to the merchant.