Consolidated payment account system and method
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United States of America Patent
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Aug 24, 2010
Grant Date -
Jan 30, 2003
app pub date -
Jun 21, 2002
filing date -
Jun 27, 2001
priority date (Note) -
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status (Latency Note)
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Abstract
The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.
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