Patents by Inventor Iain M. Begg
Iain M. Begg has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11551211Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.Type: GrantFiled: January 8, 2018Date of Patent: January 10, 2023Assignee: STRIPE, INC.Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, Jr., David Birch, Iain M. Begg
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Patent number: 11423400Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.Type: GrantFiled: January 8, 2018Date of Patent: August 23, 2022Assignee: STRIPE, INC.Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, Jr., David Birch, Iain M. Begg
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Publication number: 20180121910Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.Type: ApplicationFiled: December 22, 2017Publication date: May 3, 2018Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, JR., David Birch, Iain M. Begg
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Patent number: 9928509Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork comprising a commerce gateway component and a credit processing server component (53) is disclosed. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway component, which in turn notifies the credit processing server, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment card. A buyer may create sub-accounts.Type: GrantFiled: June 7, 2010Date of Patent: March 27, 2018Assignee: CRIA INC.Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
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Patent number: 9864990Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.Type: GrantFiled: February 15, 2011Date of Patent: January 9, 2018Assignee: CRIA INC.Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
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Patent number: 9864989Abstract: A secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component (53) immediately evaluates the buyer's application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order goods, services, or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies a commerce gateway component (52), which, in turn, notifies the credit processing server, which applies the charges to the buyer's virtual payment account.Type: GrantFiled: July 10, 2007Date of Patent: January 9, 2018Assignee: CRIA INC.Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
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Publication number: 20110289006Abstract: A secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component (53) immediately evaluates the buyer's application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order goods, services, or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies a commerce gateway component (52), which, in turn, notifies the credit processing server, which applies the charges to the buyer's virtual payment account.Type: ApplicationFiled: July 19, 2011Publication date: November 24, 2011Applicant: ECHARGE CORPORATIONInventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
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Publication number: 20110276494Abstract: A secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component (53) immediately evaluates the buyer's application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order goods, services, or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies a commerce gateway component (52), which, in turn, notifies the credit processing server, which applies the charges to the buyer's virtual payment account.Type: ApplicationFiled: July 19, 2011Publication date: November 10, 2011Applicant: ECHARGE CORPORATIONInventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
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Patent number: 8016190Abstract: A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider when the PPP connection is established using a premium telephone number assigned and administered by the telephone service provider.Type: GrantFiled: February 10, 2010Date of Patent: September 13, 2011Assignee: eCharge CorporationInventors: Robin B. Hutchison, Michael T. G. Maydaniuk, George A. Fleming, Denis N. Heinrichs, P. Carl Linkletter, Iain M. Begg, Darren W. Hagman, Roberto Dominguez, Jun Huang
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Patent number: 8015264Abstract: A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered product by its telephone service provider. When a product is ordered over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider using a premium telephone number assigned and administered by the telephone service provider.Type: GrantFiled: September 25, 2009Date of Patent: September 6, 2011Assignee: eCharge CorporationInventors: Robin B. Hutchison, Michael T. G. Maydaniuk, George A. Fleming, Denis N. Heinrichs, P. Carl Linkletter, Iain M. Begg, Darren W. Hagman, Roberto Dominguez, Jun Huang
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Patent number: 8011574Abstract: A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider when the PPP connection is established using a premium telephone number assigned and administered by the telephone service provider.Type: GrantFiled: February 10, 2010Date of Patent: September 6, 2011Assignee: eCharge CorporationInventors: Robin B. Hutchison, Michael T. G. Maydaniuk, George A. Fleming, Denis N. Heinrichs, P. Carl Linkletter, Iain M. Begg, Darren W. Hagman, Roberto Dominguez, Jun Huang
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Patent number: 8005722Abstract: A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered product by its telephone service provider. When a product is ordered over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider using a premium telephone number assigned and administered by the telephone service provider.Type: GrantFiled: September 25, 2009Date of Patent: August 23, 2011Assignee: eCharge CorporationInventors: Robin B. Hutchison, Michael T. G. Maydaniuk, George A. Fleming, Denis N. Heinrichs, P. Carl Linkletter, Iain M. Begg, Darren W. Hagman, Roberto Dominguez, Jun Huang
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Publication number: 20110137801Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.Type: ApplicationFiled: February 15, 2011Publication date: June 9, 2011Applicant: ECHARGE CORPORATIONInventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
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Patent number: 7908226Abstract: A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment system is a secure, closed system comprising registered sellers and buyers. A buyer becomes a registered participant by applying for a virtual payment account. Likewise, a seller becomes registered by applying for a seller account. A buyer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the buyer's virtual payment card application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account.Type: GrantFiled: July 14, 2005Date of Patent: March 15, 2011Assignee: eCharge CorporationInventors: Robin B Hutchison, Robert J Llewellyn, Andre F Viljoen, David Griffiths, David Birch, Iain M Begg
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Publication number: 20100312708Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork comprising a commerce gateway component and a credit processing server component (53) is disclosed. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway component, which in turn notifies the credit processing server, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment card. A buyer may create sub-accounts.Type: ApplicationFiled: July 9, 2010Publication date: December 9, 2010Applicant: ECHARGE CORPORATIONInventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
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Publication number: 20100306081Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork comprising a commerce gateway component and a credit processing server component (53) is disclosed. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway component, which in turn notifies the credit processing server, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment card. A buyer may create sub-accounts.Type: ApplicationFiled: June 7, 2010Publication date: December 2, 2010Applicant: ECHARGE CORPORATIONInventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
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Publication number: 20100274683Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork comprising a commerce gateway component and a credit processing server component (53) is disclosed. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway component, which in turn notifies the credit processing server, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment card. A buyer may create sub-accounts.Type: ApplicationFiled: July 9, 2010Publication date: October 28, 2010Applicant: ECHARGE CORPORATIONInventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
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Patent number: 7761385Abstract: A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment system is a secure, closed system comprising registered sellers and buyers. A buyer becomes a registered participant by applying for a virtual payment account. Likewise, a seller becomes registered by applying for a seller account. A buyer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the buyer's virtual payment card application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account.Type: GrantFiled: July 14, 2005Date of Patent: July 20, 2010Assignee: eCharge CorporationInventors: Robin B Hutchison, Robert J Llewellyn, Andre F Viljoen, David Griffiths, David Birch, Iain M Begg
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Publication number: 20100145817Abstract: A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider when the PPP connection is established using a premium telephone number assigned and administered by the telephone service provider.Type: ApplicationFiled: February 10, 2010Publication date: June 10, 2010Applicant: ECHARGE CORPORATIONInventors: Robin B. Hutchison, Michael T.G. Maydaniuk, George A. Fleming, Denis N. Heinrichs, P. Carl Linkletter, Iain M. Begg, Darren W. Hagman, Roberto Dominguez, Jun Huang
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Publication number: 20100145816Abstract: A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider when the PPP connection is established using a premium telephone number assigned and administered by the telephone service provider.Type: ApplicationFiled: February 10, 2010Publication date: June 10, 2010Applicant: ECHARGE CORPORATIONInventors: Robin B. Hutchison, Michael T.G. Maydaniuk, George A. Fleming, Denis N. Heinrichs, P. Carl Linkletter, Iain M. Begg, Darren W. Hagman, Roberto Dominguez, Jun Huang