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    Computerized system for facilitating transactions between parties on the internet using e-mail
    3.
    发明授权
    Computerized system for facilitating transactions between parties on the internet using e-mail 失效
    计算机化系统，用于促进互联网上各方之间使用电子邮件进行交易

    公开(公告)号：US06246996B1

    公开(公告)日：2001-06-12

    申请号：US09074354

    申请日：1998-05-07

    Applicant: Lee H. Stein ,  Einar A. Stefferud ,  Nathaniel S. Borenstein ,  Marshall T. Rose

    Inventor： Lee H. Stein ,  Einar A. Stefferud ,  Nathaniel S. Borenstein ,  Marshall T. Rose

    IPC: G06F1760

    CPC classification number: G09B5/00 ,  G06Q10/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/35785 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/018 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q30/0617 ,  G06Q30/0633 ,  G07F17/0014 ,  G07F17/16

    Abstract: A payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet. The payment system provides cardholder accounts for the first and second Internet users. When the second user sends the information product to the first user over the Internet, the second user also makes a request over the Internet to a front end portion of the payment system requesting payment from the first user. The front end portion of the payment system queries the first user over the Internet whether to proceed with payment to the second user. If the first user replies affirmatively, a charge to the first user is processed off the Internet; however if the first user replies negatively, the first user is not charged for the information product. The payment system informs the second user regarding whether the first user's decision and pays the second user upon collection of the charge from the first user. Security is maintained by isolating financial and credit information of users' cardholder accounts from the front end portion of the payment system and by isolating the account identifying information from the associated e-mail address.

    Abstract translation: 一种用于使第一互联网用户能够向第二互联网用户付款的支付系统，通常用于购买通过因特网可交付的信息产品。 支付系统为第一和第二互联网用户提供持卡人帐户。 当第二用户通过因特网向第一用户发送信息产品时，第二用户还通过因特网向支付系统的前端部分请求从第一用户请求支付。 支付系统的前端部分通过因特网向第一用户询问是否继续向第二用户付款。 如果第一用户肯定回复，则向互联网处理对第一用户的费用; 然而，如果第一个用户反馈回复，则不会为该信息产品收取第一个用户的费用。 支付系统通知第二用户关于第一用户的决定并且在从第一用户收取费用时支付第二用户。 通过从支付系统的前端隔离用户持卡人账户的金融和信用信息，并通过将帐户识别信息与相关联的电子邮件地址隔离来维护安全。

    Computerized system for making payments and authenticating transactions over the internet
    4.
    发明授权
    Computerized system for making payments and authenticating transactions over the internet 失效
    通过互联网进行付款和认证交易的计算机化系统

    公开(公告)号：US5826241A

    公开(公告)日：1998-10-20

    申请号：US308101

    申请日：1994-09-16

    Applicant: Lee H. Stein ,  Einar A. Stefferud ,  Nathaniel S. Borenstein ,  Marshall T. Rose

    Inventor： Lee H. Stein ,  Einar A. Stefferud ,  Nathaniel S. Borenstein ,  Marshall T. Rose

    IPC: G06Q10/00 ,  G06Q20/00 ,  G06Q30/00 ,  G07F7/00 ,  G07F17/16 ,  G06F17/00

    CPC classification number: G09B5/00 ,  G06Q10/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/35785 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/018 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q30/0617 ,  G06Q30/0633 ,  G07F17/0014 ,  G07F17/16

    Abstract: A payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet. The payment system provides cardholder accounts for the first and second Internet users. When the second user sends the information product to the first user over the Internet, the second user also makes a request over the Internet to a front end portion of the payment system requesting payment from the first user. The front end portion of the payment system queries the first user over the Internet whether to proceed with payment to the second user. If the first user replies affirmatively, a charge to the first user is processed off the Internet; however if the first user replies negatively, the first user is not charged for the information product. The payment system informs the second user regarding whether the first user's decision and pays the second user upon collection of the charge from the first user. Security is maintained by isolating financial and credit information of users' cardholder accounts from the front end portion of the payment system and by isolating the account identifying information from the associated e-mail address.

    Abstract translation: 一种用于使第一互联网用户能够向第二互联网用户付款的支付系统，通常用于购买通过因特网可交付的信息产品。 支付系统为第一和第二互联网用户提供持卡人帐户。 当第二用户通过因特网向第一用户发送信息产品时，第二用户还通过因特网向支付系统的前端部分请求从第一用户请求支付。 支付系统的前端部分通过因特网向第一用户询问是否继续向第二用户付款。 如果第一用户肯定回复，则向互联网处理对第一用户的费用; 然而，如果第一个用户反馈回复，则不会为该信息产品收取第一个用户的费用。 支付系统通知第二用户关于第一用户的决定并且在从第一用户收取费用时支付第二用户。 通过从支付系统的前端隔离用户持卡人账户的金融和信用信息，并通过将帐户识别信息与相关联的电子邮件地址隔离来维护安全。

    Computerized payment system for purchasing goods and services on the internet
    6.
    发明授权
    Computerized payment system for purchasing goods and services on the internet 失效
    互联网上采购商品和服务的电脑支付系统

    公开(公告)号：US5757917A

    公开(公告)日：1998-05-26

    申请号：US548305

    申请日：1995-11-01

    Applicant: Marshall T. Rose ,  Lee H. Stein ,  Nathaniel S. Borenstein ,  Carlyn M. Lowery ,  Darren New ,  Einar Stefferud

    Inventor： Marshall T. Rose ,  Lee H. Stein ,  Nathaniel S. Borenstein ,  Carlyn M. Lowery ,  Darren New ,  Einar Stefferud

    IPC: G09C1/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/42 ,  G07F7/10 ,  H04L9/32 ,  H04L12/14 ,  H04R9/00 ,  G06F17/60

    CPC classification number: G06Q20/02 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/425 ,  H04L9/3226 ,  H04L9/3247 ,  H04L2209/56

    Abstract: A method and system for use on a quasi-public network, such as the Internet, to enable users of the network to conduct commercial transactions involving a payment of funds by one user to another user of the network. The method includes operating a computer system for sending and receiving messages from users over the network. Upon receiving a message over the network from a qualified user-seller, a message is sent over the network to the user-buyer that was identified in the message from the user-seller. The message to the user-buyer requests confirmation of a transaction identified in the message received from the user-seller. Upon receiving a confirmation over the network from the user-buyer, payment information is sent by secure channels off the network to an agent of the user-seller. The user-seller's agent may be a separate entity or the function of the user-seller's agent may be performed by the transaction enabling system. Upon receipt of an authorization code from the seller's agent, the authorization code is encrypted and sent to the user-seller over the network.

    Abstract translation: 一种在诸如因特网的准公共网络上使用的方法和系统，以使得网络用户能够进行涉及由一个用户向网络的另一个用户支付资金的商业交易。 该方法包括操作计算机系统，用于通过网络从用户发送和接收消息。 在通过网络从合格的用户 - 卖方接收到消息时，消息通过网络发送给在用户 - 卖方的消息中标识的用户 - 买方。 向用户 - 买方发送的消息要求确认在从用户 - 卖方接收到的消息中标识的交易。 在从用户 - 买方接收到通过网络的确认之后，支付信息通过网络上的安全信道发送给用户 - 卖方的代理。 用户 - 卖方的代理可以是单独的实体，或者用户 - 卖方代理的功能可以由交易启用系统来执行。 在收到卖方代理人的授权代码之后，授权代码被加密并通过网络发送给用户 - 卖方。

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