Patent ID: 6823318
Filing Date: 2004-11-23
Classification: G06Q

Abstract:
A method of purchasing an item by a purchaser, said method comprising:(a) providing an identity of the item to the purchaser from a vendor server over a first network; (b) receiving a telephone call at a billing server over a second network from the purchaser; (c) receiving a billing amount for the item and a financial account during the telephone call; (d) providing a confirmation number and a cancel code to the purchaser during the telephone call; (e) receiving the confirmation number at the vendor server over the first network from the purchaser; and (f) determining at the vendor server whether the confirmation number indicates a virtual check; (g) waiting a predetermined time before executing step (h) if the confirmation number indicates a virtual check; and (h) sending the confirmation number from the vendor server to the billing server over the second network if the cancel code is not received from the purchaser within the predetermined time.