Patent ID: 7007000
Filing Date: 2006-02-28
Classification: G06Q

Abstract:
1. A method of purchasing online, comprising: a client device of a customer communicating a purchase selection, the purchase selection received by a vendor computer system, the vendor computer system in response communicating a cost of the purchase selection and a fund confirmation address, the cost and fund confirmation address received by the client device; the client device communicating a payment authorization for the cost, the payment authorization received by a fund guardian, the fund guardian to confirm the availability of sufficient funds to pay the cost, the payment authorization also received by a billing system, the billing system suspending network access charges for the customer in response to receiving the payment authorization; the client device communicating the fund confirmation address, the fund confirmation address received by the fund guardian; and when sufficient funds are available to pay the cost, the fund guardian communicating a fund confirmation to the fund confirmation address without using the client device as an intermediary.