Purchasing on the internet using verified order information and bank payment assurance

A method performed by a bank for authorizing a purchase of goods or services over the internet, the purchase being made by a customer using a merchant, said merchant having an internet site at which the merchant offers goods or services;

• and wherein a bank authorizes the purchase and assures payment to the merchant, comprising:
• detecting by the bank when a customer chooses to pay the merchant using said bank;
• obtaining by the bank order information indicating the customer has placed an order which seeks to obtain goods or services using the merchant;
• obtaining by the bank information about an order computer from which said order has been placed;
• accessing customer verification information which includes authorized customer computer information which indicates one or more computers which have been authorized for use in placing orders;
• verifying said order computer used in placing the order is an authorized customer computer;
• communicating from the bank to the merchant assurance of payment information upon successful verification in said verifying step.

A method for purchasing of goods or services and assuring payment over the internet, the purchase being made by a customer using a merchant, said merchant having an internet site at which the merchant offers goods or services;

• and wherein a bank authorizes the purchase and assures payment to the merchant, comprising:
• obtaining order information indicating a customer desires to place an order which seeks to obtain goods or services using the merchant;
• delivering a first portion of the order information to the merchant using a customer computer;
• delivering a second portion of the order information to the merchant via a bank computer;
• providing customer information to the bank in connection with said order information;
• accessing customer verification information by the bank, said customer verification information being previously set up by the customer with the bank;
• verifying that the customer information provided in connection with said order information is associated with said customer;
• communicating from the bank to the merchant assurance of payment information upon successful verification in said verifying step.

A method for validating a purchase of goods or services over the internet, the purchase being made by a customer using a merchant, said merchant having an internet site at which the merchant offers goods or services;

• and wherein a bank authorizes the purchase and assures payment to the merchant, comprising:
• detecting when a customer chooses to pay the merchant using said bank;
• obtaining order information indicating the customer has placed an order which seeks to obtain goods or services using the merchant;
• obtaining information about an order computer from which said order has been placed;
• accessing customer verification information which includes authorized customer computer information which indicates one or more computers which have been authorized for use in placing orders;
• verifying said order computer used in placing the order is an authorized customer computer;
• validating the order.