Abstract: A device and method of electronic payment that enables an e-commerce server to maintain a database comprising records for shopper accounts, enable a shopper to interactively create a shopper account and to interactively deposit a specified amount of money in the shopper account, to provide the shopper with a unique shopper identifier that corresponds to the shopper account, to paying a merchant from the shopper account for a purchase at the merchant's e-commerce website by the shopper, where the shopper used the unique shopper identifier as a means of payment.

Abstract: A method of payment for mufti-vendor gift cards, that performs actions including maintaining a merchandise database comprising records for merchandise and services for a plurality of merchants, enabling a gift card giver to interactively purchase a gift card for a gift card recipient, entitling the gift card recipient to redeem the gift card for items up to a specified spending limit, electronically transferring the money used to purchase the gift card into a card funding account that is used to pay for purchases by the gift card recipient, enabling the gift card recipient to interactively select one or more items from the merchandise database, thereby generating an aggregated selection of items for each merchant, issuing orders to each merchant in accordance with the aggregated selected items corresponding to each merchant and paying each merchant the amount of their respective order from the card funding account.

Abstract: A method of payment for mufti-vendor gift cards, that performs actions including maintaining a merchandise database comprising records for merchandise and services for a plurality of merchants, enabling a gift card giver to interactively purchase a gift card for a gift card recipient, entitling the gift card recipient to redeem the gift card for items up to a specified spending limit, electronically transferring the money used to purchase the gift card into a card funding account that is used to pay for purchases by the gift card recipient, enabling the gift card recipient to interactively select one or more items from the merchandise database, thereby generating an aggregated selection of items for each merchant, issuing orders to each merchant in accordance with the aggregated selected items corresponding to each merchant and paying each merchant the amount of their respective order from the card funding account.

Abstract: A method of payment for multi-vendor gift cards, comprising maintaining a merchandise database comprising records for merchandise and services for a plurality of merchants, enabling a gift card giver to interactively purchase a gift card for a gift card recipient, entitling the gift card recipient to redeem the gift card for items up to a specified spending limit, electronically transferring the money used to purchase the gift card into a card funding account that is used to pay for purchases by the gift card recipient, enabling the gift card recipient to interactively select one or more items from the merchandise database, thereby generating an aggregated selection of items for each merchant issuing orders to each merchant in accordance with the aggregated selected items corresponding to each merchant and paying each merchant the amount of their respective order from the card funding account.

Abstract: A method of payment using reward points at a multi-merchant ecommerce website, comprising maintaining a merchandise database, enabling a shopper to interactively select one or more items from the merchandise database, thereby generating an aggregated selection of items for each merchant, enabling said shopper to purchase said one or more items using reward points from a reward program account managed by a reward program manager, electronically obtaining money from said reward program manager in exchange for said reward points, using an agreed to exchange rate to convert from points to money, and transferring the money into a funding account that is used to pay for purchases by the shopper.

Abstract: A method of payment for multi-vendor gift cards, comprising maintaining a merchandise database comprising records for merchandise and services for a plurality of merchants, enabling a gift card giver to interactively purchase a gift card for a gift card recipient, entitling the gift card recipient to redeem the gift card for items up to a specified spending limit, electronically transferring the money used to purchase the gift card into a card funding account that is used to pay for purchases by the gift card recipient, enabling the gift card recipient to interactively select one or more items from the merchandise database, thereby generating an aggregated selection of items for each merchant issuing orders to each merchant in accordance with the aggregated selected items corresponding to each merchant and paying each merchant the amount of their respective order from the card funding account.