Multi-level fraud check with dynamic feedback for internet business transaction processor
OwnerRobert S. Alvininventor
Life of this patent
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Abstract
An Internet business transaction processor of the present invention has a distributed processing architecture which allows the processing load to be distributed among multiple parallel servers. The transaction processor of the present invention provides a virtual store front utilizing “others people's warehouse” approach by using a dynamic distributor selection processing system to select among a plurality of distributors based on flexible rule-based algorithm.
Claims20
An internet-centric electronic transaction processor for facilitating automated retail sale of products from distributors to customers via a web-site, comprising:
- a database having stored therein product data for a plurality of products and customer data, wherein said product data comprises data electronically transmitted from a plurality of distributors of said plurality of products, wherein said data corresponding to identical products for sale by more than one of said distributors;
- a catalog builder for generating electronic catalogs having user-specific product offerings for said plurality of products, said wherein said catalog builder dynamically places said user-specific product offerings in said electronic catalogs based on information stored in said database;
- a communication interface for permitting customers to access said electronic catalogs, to view said user-specific product offerings via a communications network, and to place purchase orders for one or more of said products;
- a payment authorization processor for determining whether to accept said purchase orders for fulfillment based on at least in part information stored in said database,
- a distributor authorization processor for authorizing said one or more distributors to directly ship said one or more products according to said purchase orders provided said purchase orders are accepted by said payment authorization processor;
- and
- a customer service sub-system for sending automated messages to said one or more customers with information of accepted purchase orders.
An internet-centric electronic transaction method executable by one or more computers for facilitating automated retail sales of products from distributors to customers, comprising:
- obtaining product data for a plurality of products from a plurality of distributors for said products via a communications network, wherein said product data comprises data corresponding to identical products for sale by more than one of said distributors;
- storing said product data in a database;
- obtaining customer data from a plurality of customers and storing said customer data in said database;
- generating, at least in part from data in said database, electronic catalogs having user-specific product offerings for said plurality of products;
- permitting said customers to access said electronic catalog, to view said user-specific offerings, and to allow said customers to place purchase orders for one or more of said products via said communications network;
- determining whether to accept said purchase orders based on at least in part information stored in said database;
- authorizing said one or more distributors to ship said one or more products to according to said purchase orders provided said purchase orders are deemed acceptable;
- and
- sending automated messages to said one or more customers with information of accepted purchase orders.
Dependencies are inferred from the claim text.