Patent ID: 6014636
Filing Date: 2000-01-11
Classification: G06Q,G07F

Abstract:
A method for providing point-of-sale (POS) payment by a customer to a merchant in an interactive network including a terminal and a server coupled to a customer bank and to the merchant, performed at the time of sale, comprising the following steps:transmitting an order form from the server to the customer using the interactive network;receiving customer information, customer payment option information and customer order information in the order form at the server and performing the following steps:(i) detecting customer account information corresponding to the customer information obtained from a card at the customer's location;(ii) identifying the customer payment option information;(iii) identifying a merchant corresponding to the customer order information;(iv) transmitting to the customer bank the customer account information and the merchant information to permit manipulation of the customer account information for payment to the merchant of the customer order information; and(v) instructing the merchant to fill the customer order information.