Method of and apparatus for facilitating on-line transactions
AssigneeNCR Corporation
InventorJeff Davies
Life of this patent
Estimating the term…
Abstract
A transaction network comprises a web-interface device, a web site and a communications device. The web-interface device and web site are adapted to enable a user to arrange an on-line agreement. The communications device is adapted to enables a user to authorise a payment associated with the agreement off-line.
Claims57
A sales network comprising:
- a web site;
- a web-interface device for cooperating with the web site to enable a user to arrange an on-line agreement;
- and
- a communications device for enabling a user to authorise a payment associated with the agreement.
A communications device adapted for use in a sales network having a web site and a web-interface device which enable a user to arrange an on-line agreement, the communications device comprising:
- means for enabling a user to authorise a payment associated with the agreement.
A web-site for enabling a user to arrange an on-line sale, the site comprising:
- means for presenting the user with a code which can be used off-line in the process of authorising payment for the sale.
A web-interface for enabling a user to arrange an on-line sale, in association with a web-site, the web-interface comprising:
- means for enabling a user to input a request for off-line payment.
A method of sales to a user, utilising a web-interface device, a web site and a communications device, the method comprising:
- arranging an on-line agreement with a provider utilising the web-interface device and web site;
- and
- authorising a payment associated with the agreement utilising the communications device.
A method of sales utilizing a web-interface, a web page, and a self-service terminal, the method comprising the steps of:
- (a) a user selects the goods/services to be purchased;
- (b) a user then inputs a delivery address;
- (c) the web page prompts for a means of payment;
- (d) the user selects “offline” payment
- (e) an order for the selected good/services is stored in a first database until the payment is authorised;
- (f) the user is provided with a code which identifies the order;
- (g) the user utilises the self-service terminal and inserts the code, in response to a prompt therefor;
- (h) the code is transferred to a second database which is part of a network operated by the financial institution which operates the self-service terminal;
- (i) the financial institution then interrogates the first database for information on the order associated with the code, including financial details required to transfer funds to the provider of the goods or services, in order to complete the transaction;
- (j) the financial institution then transfers funds to the provider's account from an account held by the buyer and chosen by him;
- and
- (k) the order is processed and the goods or services supplied.
A method of facilitating payment for a transaction, the method comprising the steps of:
- (a) issuing a user with a transaction identification code;
- (b) storing transaction information, under the code, including information required to enable a financial institution to pay for the transaction;
- and
- (c) the user transmitting the code to the financial institution, which thereafter obtains the information and instigates payment for the transaction.
Dependencies are inferred from the claim text.