US 2026/0300979 A1Published application

Online Intermediary Transaction Systems and Methods

OwnerCherisse Lewisinventor

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Abstract

A computer implemented intermediary transaction method and system wherein an intermediary mediates negotiations without bias between buyers and receivers and completes sales transactions over a network using methods to prevent fraud and identity theft. The sender can initiate an offer to purchase, and the receiver can initiate an offer to sell. The sender designates a payor, and the payor agrees to make payment to the mediary before receiving goods or services from the receiver. Transaction conditions offered by the sender can be changed by the receiver and transaction conditions offered by the receiver can be changed by the sender. All transactions are signed by the sender, receiver, and intermediary. Transaction cards, such as credit cards, can be used to make payments to a party designated by the receiver and chargebacks on the transaction cards are prevented. The method provides a significant improvement in fairness, convenience and security to senders and receivers.

Claims20

Dependent claims

A computer implemented intermediary transaction method, comprising

1) connecting to a computer system of an intermediary, over a network, by a sender using the sender's computer system, wherein the intermediary communicates with and mediates and enforces negotiations between the sender and a receiver in transactions over the network;
2) submitting information on a transaction card by the sender to the intermediary over the network to make payment for the purchase of goods and/or services of the receiver, wherein payment is made with the transaction card before negotiations are made between the sender and the receiver for the purchase of the goods and/or services;
3) obtaining permission by the intermediary from the owner of the transaction card to make payment to the intermediary with the transaction card, thereby preventing chargebacks;
4) entering by the sender, over the network into electronic entry forms provided by the intermediary's computer, the sender's transaction conditions for the purchase of the goods and/or services and confirming by the sender the transaction conditions, and submitting over the network the sender's confirmed transaction conditions to the intermediary;
5) notifying the receiver by the intermediary over the network, through the receiver's computer system, of the sender's confirmed transaction conditions and of the sender's payment for the goods and/or services to the intermediary, thereby initiating negotiations of the transaction conditions by the sender;
6) receiving over the network by the receiver from the intermediary the sender's confirmed transaction conditions and entering by the receiver into electronic entry forms provided by the intermediary's computer system updates to the sender's confirmed transaction conditions and entering by the receiver into the electronic entry forms the receiver's confirmation of the receiver's updates to the sender's confirmed transaction conditions, and submitting the receiver's confirmed updates to the sender's confirmed transaction conditions to the intermediary;
7) notifying the sender by the intermediary of the receiver's confirmation of the receiver's updates to the sender's confirmed transaction conditions, thereby negotiating the transaction conditions by the receiver;
8) receiving by the sender the goods and/or services from the receiver at the confirmation by the sender of the receiver's confirmation of the receiver's updates to the sender's confirmed transaction conditions;
9) notifying the intermediary by the sender that the sender received the goods and/or services from the receiver;
10) transferring by the intermediary to a party designated by the receiver the sender's payment for the goods and/or services;
and
11) confirming by the intermediary transaction conditions confirmed by the sender and transaction conditions confirmed by the receiver, wherein confirming transaction conditions is equivalent to providing a signature to the transaction conditions.

9 more elements

Non-transitory computer storage media having computer executable instructions stored thereon which, when executed by one or more processors, cause the processors to execute a computer implemented method for controlling online intermediary transactions, the method comprising:

1) connecting to a computer system of an intermediary, over a network, by a sender using the sender's computer system, wherein the intermediary communicates with and mediates and enforces negotiations between the sender and a receiver in transactions over the network;
2) making payment by the sender to the intermediary over the network for the purchase of goods and/or services of the receiver, wherein payment is made with transaction card before negotiations are made between the sender and the receiver for the purchase of the goods and/or services;
3) obtaining permission by the intermediary from the owner of the transaction card to make payment to the receiver with the transaction card, thereby preventing chargebacks;
4) entering by the sender, over the network into electronic entry forms provided by the intermediary's computer, the sender's transaction conditions for the purchase of the goods and/or services and confirming by the sender the transaction conditions, and submitting over the network the sender's confirmed transaction conditions to the intermediary;
5) notifying the receiver by the intermediary over the network, through the receiver's computer system, of the sender's confirmed agreement transaction conditions and of the sender's payment for the goods and/or services to the intermediary, thereby initiating negotiations of the transaction conditions by the sender;
6) receiving over the network by the receiver from the intermediary the sender's confirmed transaction conditions and entering by the receiver into electronic entry forms provided by the intermediary's computer system updates to the sender's confirmed transaction conditions and entering by the receiver into the electronic entry forms the receiver's confirmation of the receiver's updates to the sender's confirmed transaction conditions, and submitting the receiver's confirmed updates to the sender's confirmed transaction conditions to the intermediary;
7) notifying the sender by the intermediary of the receiver's confirmation of the receiver's updates to the sender's confirmed transaction conditions, thereby providing negotiation of the transaction conditions by the receiver;
8) receiving by the sender the goods and/or services from the receiver at the confirmation by the sender of the receiver's confirmation of the receiver's updates to the sender's confirmed transaction conditions;
9) notifying the intermediary by the sender that the sender received the goods and/or services from the receiver;
and
10) transferring by the intermediary to a party designated by the receiver the sender's payment for the goods and/or services, and
11) confirming by the intermediary transaction conditions confirmed by the sender and transaction conditions confirmed by the receiver, wherein confirming transaction conditions is equivalent to providing a signature to the transaction conditions.

9 more elements

A computer implemented intermediary transaction method, comprising:

1) connecting to a computer system of an intermediary, over a network, by a receiver using the receiver's computer system, wherein the intermediary communicates with and mediates and enforces negotiations between the receiver and a sender in transactions over the network;
2) entering by the receiver, over the network into electronic entry forms provided by the intermediary's computer, the receiver's transaction conditions for the sale of goods and/or services to a sender and confirming by the receiver the transaction conditions, and submitting over the network the receiver's confirmed transaction conditions to the intermediary;
3) notifying the sender by the intermediary over the network, through the sender's computer system, of the receiver's confirmed transaction conditions for the sale of goods and/or services to the sender, thereby initiating negotiations of the confirmed transaction conditions of the receiver;
4) receiving over the network by the sender from the intermediary the receiver's confirmed transaction conditions and entering by the sender into electronic entry forms the sender's updates to the receiver's confirmed transaction conditions and entering by the sender into the electronic entry forms the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions, and submitting the sender's confirmed updates to the receiver's confirmed transaction conditions to the intermediary;
5) submitting information on a transaction card by the sender to the intermediary over the network to make payment for the purchase of the goods and/or services of the receiver;
6) obtaining permission by the intermediary from the owner of the transaction card to make payment to the receiver with the transaction card, thereby preventing chargebacks;
7) notifying the receiver by the intermediary over the network, through the receiver's computer system, of the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions and of the sender's payment for the goods and/or services to the intermediary;
8) receiving over the network by the receiver from the intermediary the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions and entering by the receiver into electronic entry forms the receiver's confirmation of the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions, and submitting the receiver's confirmation of the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions to the intermediary;
9) notifying the sender by the intermediary of the receiver's confirmation of the sender's confirmation of the updates to the receiver's confirmed transaction conditions;
10) receiving by the sender the goods and/or services from the receiver and notifying the intermediary by the sender that the sender received the goods and/or services from the receiver;
11) transferring by the intermediary to a party designated by the receiver the sender's payment for the goods and/or services;
and
12) confirming by the intermediary transaction conditions confirmed by the sender and transaction conditions confirmed by the receiver, wherein confirming transaction conditions is equivalent to providing a signature to the transaction conditions.

10 more elements

1) connecting to a computer system of an intermediary, over a network, by a receiver using the receiver's computer system, wherein the intermediary communicates with and mediates and enforces negotiations between the receiver and a sender in transactions over the network;
2) entering by the receiver, over the network into electronic entry forms provided by the intermediary's computer, the receiver's transaction conditions for the sale of goods and/or services to a sender and confirming by the receiver the transaction conditions, and submitting over the network the receiver's confirmed transaction conditions to the intermediary;
3) notifying the sender by the intermediary over the network, through the sender's computer system, of the receiver's confirmed transaction conditions for the sale of goods and/or services to the sender, thereby initiating negotiations of the confirmed transaction conditions of the receiver;
4) receiving over the network by the sender from the intermediary the receiver's confirmed transaction conditions and entering by the sender into electronic entry forms the sender's updates to the receiver's confirmed transaction conditions and entering by the sender into the electronic entry forms the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions, and submitting the sender's confirmed updates to the receiver's confirmed transaction conditions to the intermediary;
5) submitting information on a transaction card by the sender to the intermediary over the network to make payment for the purchase of the goods and/or services of the receiver;
6) obtaining permission by the intermediary from the owner of the transaction card to make payment to the receiver with the transaction card, thereby preventing chargebacks;
7) notifying the receiver by the intermediary over the network, through the receiver's computer system, of the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions and of the sender's payment for the goods and/or services to the intermediary;
8) receiving over the network by the receiver from the intermediary the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions and entering by the receiver into electronic entry forms the receiver's confirmation of the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions, and submitting the receiver's confirmation of the sender's confirmation of the sender's updates to the receiver's confirmed transaction conditions to the intermediary;
9) notifying the sender by the intermediary of the receiver's confirmation of the sender's confirmation of the updates to the receiver's confirmed transaction conditions;
10) receiving by the sender the goods and/or services from the receiver and notifying the intermediary by the sender that the sender received the goods and/or services from the receiver;
11) transferring by the intermediary to a party designated by the receiver the sender's payment for the goods and/or services;
and
12) confirming by the intermediary transaction conditions confirmed by the sender and transaction conditions confirmed by the receiver, wherein confirming transaction conditions is equivalent to providing a signature to the transaction conditions.

10 more elements

Dependencies are inferred from the claim text.

Facts

Application: 19/633,459Filed 30 Mar 2026
Priority: 17 May 2023
Published: 1 Oct 2026
Term ends: Not estimatedThe source records don’t support an estimate.

Classification4 codes

G06Q 20/401
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check…:…
G06Q 20/34
Characterised by the use of specific devices or networks: using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/42
Payment protocols; Details thereof: confirmation, e.g. check or permission by the legal debtor of payment
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial

Family

Application63/467,225Us provisional application · filed 17 May 2023
Application18/218,169Continuation in part · filed 5 Jul 2023
Application19/633,459Continuation in part
US 2024/0386395 A1Published application
US 2026/0300979 A1This patent

From the US filing history. Foreign family members aren’t listed.