Abstract: A virtual payment card system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment card system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment card system is a secure closed system comprising registered merchants and consumers. A consumer becomes a registered participant by applying for a virtual payment card. Likewise, a merchant becomes registered by applying for a merchant account. A consumer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the consumer'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 consumer can then order a product, i.e., goods, services or content from a merchant and charge it to the virtual payment card.
Type:
Grant
Filed:
September 24, 2003
Date of Patent:
October 20, 2009
Assignee:
eCharge Corporation
Inventors:
Robin B. Hutchison, George A. Fleming, Alan Chedalawada, Robert Llewellyn, David Griffiths, David Birch
Abstract: 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:
Application
Filed:
July 10, 2007
Publication date:
January 17, 2008
Applicant:
ECHARGE CORPORATION
Inventors:
Robin Hutchison, Robert Llewellyn, Andre Viljoen, David Griffiths, David Birch, Iain Begg
Abstract: 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:
Grant
Filed:
September 16, 2003
Date of Patent:
July 24, 2007
Assignee:
eCharge Corporation
Inventors:
Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
Abstract: 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:
Application
Filed:
July 14, 2005
Publication date:
January 5, 2006
Applicant:
eCharge Corporation
Inventors:
Robin Hutchison, Robert Llewellyn, Andre Viljoen, David Griffiths, David Birch, Iain Begg
Abstract: 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:
Application
Filed:
July 14, 2005
Publication date:
November 24, 2005
Applicant:
eCharge Corporation
Inventors:
Robin Hutchison, Robert Llewellyn, Andre Viljoen, David Griffiths, David Birch, Iain Begg
Abstract: A billing system is provided 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. The billing system comprises a plug-in component (52, 52′), a billing server component (62, 62′), and in some embodiments, a merchant session gateway component (65). When a consumer orders a product over the Internet (20), the plug-in component (52) of the consumer's computer (42) establishes an Internet connection to a billing server (34) located elsewhere on the Internet (20) to order the product. In a first embodiment, the billing server component (62) of the billing server (34) transfers an encrypted version of the product to the plug-in component (52). The plug-in component (52) then disconnects from the Internet (20) and establishes a point-to-point (PPP) connection with the billing server (34).
Type:
Application
Filed:
January 5, 2001
Publication date:
May 10, 2001
Applicant:
eCHARGE Corporation
Inventors:
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