Abstract:
An enterprise transaction system comprises a communication network accessible using an automation goods and services charge card. The card enables customers to purchase automation-related goods and virtual services from the enterprise. The enterprise comprises business units, each unit providing automation goods and/or services. The customer can access each and every business unit in the enterprise by entering the enterprise transaction system with a personalized goods and services charge card. The card is assigned a unique card number and a personal identification number for each customer. The card is loaded with currency-neutral credits and the transaction system can internally support a wide selection of denominations applicable to internationally recognized countries. The system is capable of settling accounts automatically via the network by decrementing credits on the customer&#39;s card corresponding to a purchase and reconciling the same with the customer&#39;s bank account. The purchases can be material goods as well as virtual services, including automation related hardware or downloadable software.

Description:
FIELD OF THE INVENTION 
     The present invention relates generally to automation related transactions and the purchase of virtual goods and services using an automation goods and services charge card. 
     BACKGROUND 
     A sale by a goods or services provider to a buyer using a charge card typically involves receiving an order, generating an invoice, requiring payment, effectuating fulfillment of the order, and settling any associated accounts. This multi-step process tends to become more complicated if the goods and services provider is from a business enterprise comprising several business units, each providing particular goods and services. A customer may have needs for product or service offerings of more than one of the business units, each with its own practices, a cumbersome proposition for the customer as well as the provider. Even assuming ordering were centralized, the particulars of managing and delivering on an order, and of managing and settlement of accounts for such order, are not generally uniform. In the automation industry, no such centralized ordering using a charge card is possible over a network, either by telephone or computer, despite significant, but previously unmet, demand for a system that can handle automation goods and services orders on behalf of a plurality of business units of an enterprise that sells them. For example, it is not possible to transact business with the well-known Siemens Automation &amp; Drives SIMATIC card across different business units of a worldwide enterprise. Furthermore, the SIMATIC card does not provide access to a customer&#39;s account over the internet, nor does it provide management of one&#39;s own account by way of presenting an account statement, nor capability to transfer funds within the account. There is also an existing, but unmet, demand to do so through a common interface, using a common card, and operating across a variety of currencies so that global or geographically remote automation customers can order in a simple fashion, and so that settlement not only of customer accounts, but of business unit accounts, is also facilitated. 
     SUMMARY OF THE INVENTION 
     The present invention is directed to business transaction systems and methods that support ordering of automation goods and virtual services on demand through the use of personalized account data (PAD) provided on a physical automation goods and services charge (AG&amp;SC) card held by an account holder. The account holder inserts the physical AG&amp;SC card into an appropriate receptacle designed to transact business. The account holder can also transact business by manually entering the PAD information stored on the card into a device that is capable of accepting and transmitting the data to complete the transaction. The system and the card (denoting both the physical and informational aspects) enables purchasing of automation-related goods and services from a business enterprise having a plurality of business units that may be geographically separated, and permits customers to do so irrespective of the currency of the country from which an order is placed. A variety of other advantages associated with particular aspects of the systems and methods are also described. 
     In an embodiment of one aspect of the present invention, a method is provided for an automation goods and services provider having a plurality of business units to process purchase requests or orders placed by an automation goods and services charge card account holder, the requests relating to an offering of at least one of any of the plurality of business units. The method comprises the following steps. An enterprise host server transmits a signal representing the availability of an offering of at least one of the plurality of business units, the offering selected from the group consisting of automation goods and automation virtual services, the offering to be provided by at least one business unit. The server receives card information from and subsequently elicits order information from the account holder based on the transmitted availability signal. Then the account is checked to determine whether value in the account is sufficient to cover the order. If so, the server transmits a signal directing fulfillment of the order. Accordingly, the server then decrements the account by the value of the order. 
     In an embodiment of another aspect of the present invention, a method is provided for an automation goods and services provider having a plurality of business units to process purchase requests of a holder of an account with the automation goods and service provider. The requests or orders relate to the offerings of at least one of any of the plurality of business units. The method comprises the following steps. An enterprise host server transmits a signal representing the availability of at least one offering of the plurality of business units, the offering selected from the group consisting of automation goods and automation virtual services, the offering to be provided by the at least one business unit. The server receives account information from and subsequently elicits order information from the account holder based on the transmitted availability signal. Then the account is checked to determine whether value in the account is sufficient to cover the order. If so, the server transmits a signal directing fulfillment of the order. Accordingly, the server then decrements the account by the value of the order. 
     In another embodiment of the present invention, a method is provided for transmitting value between two card accounts in a system for administering an automation goods and services charge card account. First, a signal is transmitted to associate value with a first card account. Then another signal is transmitted to associate value with a second card account. The system further elicits an account holder instruction to subtract value from the first account and add it to the second account, thereby transferring value between the two accounts. 
     An embodiment of another aspect of the present invention involves a method for reloading credits to an automation goods and services charge card. The enterprise host server checks the number of credits available in an account associated with a first card. If the number of credits in the first card account is below a pre-selected value that is based on the price of an offering selected from the group consisting of automation goods and automation services (including virtual services), value is transferred from the first account to the second account. 
     In an embodiment of still another aspect of the present invention, a method in a system for administering automation goods and services charge card accounts allocates account value. The value of a balance of a first automation goods and services charge account held by an account holder is determined, the account available for being drawn upon at the request of the account holder as consideration for the purchase of an offering of at least one of the plurality of business units of an automation goods and service provider. At least one automation goods and service charge account held by the account holder is identified, and a subset of the value of the balance of the first account is distributed among a subset of the further accounts. 
     In an embodiment of yet another aspect of the present invention, a system for administering an automation goods and services charge card account is provided. The system permits a card-holding customer of an automation goods and services enterprise to purchase goods and services from any of a plurality of business units of the enterprise. The system comprises: an automation goods and services charge card computer in communication with the customer and, over a network, with a plurality of business units of the enterprise. The automation goods and services charge card computer is configured to transmit automation goods and services information to the customer and to receive order information from the customer regarding a purchase from at least one of the plurality of business units. The automation goods and services computer is further configured to maintain the customer&#39;s account and to maintain accounts corresponding each of the plurality of business units and the automation goods and services charge card computer is further configured to debit the customer&#39;s account to reflect account holder order information and to settle the account of any of the plurality of business units affected by the account holder order. 
     In an embodiment of another aspect of the present invention, an enterprise system architecture is provided for administering the use of an automation goods and services charge card provided by an automation goods and service provider having a plurality of business units. Automation goods and automation services, including virtual services, are offered to the cardholder by at least one of the plurality of business units. The system architecture comprises means for the card holder to access information relating to offerings of any one of the plurality of business units, means for managing the card holder&#39;s account, the account serviced by at least one of the plurality of business units, and means for transmitting an order for purchasing automation goods and services offered by any one of the business units. 
     In an embodiment of yet another aspect of the present invention, an enterprise system administers business transactions conducted between an automation goods and services provider having a plurality of business units and a holder of an automation goods and services charge card provided by at least one of a plurality of the business units. The enterprise system comprises means for the card holder to register with the at least one of the plurality of business units. Registration may be, but is not limited to, opening an account by purchasing a card, accessing the enterprise system remotely or by other suitable means. The system further comprises means for the card holder to open an account with the at least one of the plurality of business units with which the card holder has registered and means for the card holder to select automation goods or services offering provided by the plurality of business units. The system also comprises means for settling accounts associated with the plurality of business units to reflect the selection of the automated goods or services and means for the plurality of the business units to store updated automation goods and service charge card data following the account settlement. 
     In an embodiment of another aspect of the present invention, an enterprise system is provided for administering business transactions conducted between an automation goods and services enterprise and a holder of an automation goods and services charge card provided by the enterprise. The enterprise system comprises means for the card holder to register with the enterprise, means for the card holder to open an account with the enterprise, means for querying and selecting offerings of automation goods and services provided by the enterprise, means for settling accounts associated with the enterprise, and means for the enterprise to store automation goods and services charge card data. 
     An embodiment of yet another aspect of the present invention involves a system for providing automation-related offerings of an automation goods and services enterprise system having a plurality of business units, the offerings comprising at least one selected from the group consisting of automation goods and automation virtual services. The system includes an automation goods and services charge card server in communication with a plurality of business units and for supporting transactions between the businesses units of a holder of such card, a dispatching system in communication with the automation goods and services card server of at least one of the plurality of business units and an online enterprise server in communication with the automation goods and services charge card server of the at least one of the plurality of business units, for supporting transactions with customers interacting with the automation goods and services charge card server as a card holder. 
     An embodiment of yet another aspect of the present invention provides a method for an automation goods and services provider, having a plurality of business units, to transmit to a customer signals relating to the automation goods and services available from the plurality of business units and to process a purchase order from the customer. The method includes the following steps. A signal is transmitted, e.g., by an enterprise server of the automation goods and services provider, to the customer, representing availability of at least one offering selected from the group consisting of automation goods and automation virtual services, the offering to be provided by at least one of the plurality of business units. Order information is elicited from the customer based on the transmitted availability signal and a check is made to confirm whether the customer is an account holder with the at least one business unit. Alternatively, this check could be made prior to transmitting availability information to the customer. Regardless, if the customer is an account holder, a check is made to determine whether value in the customer&#39;s account is sufficient to cover the purchase order. If so, a signal is transmitted (e.g., without limitation, to a dispatching system or other suitable means) directing the fulfillment of the order for the customer. Finally the customer&#39;s account is settled to reflect the order. 
     In an embodiment of yet another aspect of the present invention, a system provides automation-related offerings of an automation goods and services provider having a plurality of business units. The system comprises an automation goods and services card computer in communication with computers associated with a plurality of business units of the provider. The automation goods and services card computer is configured to transmit online shop content of the card holder, the online shop providing the card holder with access to information relating to offerings of the plurality of business units. The automation goods and services card computer is further configured to transmit content related to support services for the card holder. 
     In a further embodiment, an enterprise system architecture for enabling and administering use of an automation goods and services charge card is provided. The system architecture, supported by an automation goods and services charge card computer, comprises a registration database, a permanent archival database, an account number database, an archival database, a customer profile database a customer account settlement database, and an information release database. 
     In still another embodiment, a system provides a capability for purchasing automation-related offerings with or without an AG&amp;SC card. A non-account holder can shop online via an online server, which in turn communicates with an AG&amp;SC card server that communicates with the former server according to a file transfer protocol, for example. The online server accommodates a port and maintains a script file. AG&amp;SC card server includes an information management databank, an SQL database, and a script file. A dispatching system communicates with the AG&amp;SC card server such that the online shopper can be served through the AG&amp;SC card server. Furthermore, a holder of an AG&amp;SC card can automatically purchase goods and services offerings either online or through any other device, such as a telephone or fax, that can communicate with the AG&amp;SC card server. 
    
    
     
       BRIEF DESCRIPTION OF DRAWINGS 
         FIG. 1  is a schematic representation of global communication networks between an automation goods and services enterprise and its various geographically distributed business units, and also of customers of that enterprise in communication with one another over one or more global communication networks. 
         FIG. 2  is a diagram showing an embodiment of an aspect the present invention, according to which an automation goods and services enterprise host server communicates, via global communication networks, including the Internet, with a plurality of business units and a plurality of customers. 
         FIG. 3A  is a schematic representation of an embodiment of another aspect of the present invention showing the enterprise host server in communication with a card server, according to the present invention. 
         FIG. 3B  is a schematic representation showing in greater detail the card server of  FIG. 3A  in communication with an online shop and support services provided over the Internet, according to the present invention. 
         FIGS. 4A and 4B  show an embodiment of a user interface screen supporting the various attributes of an automation goods and services charge (AG&amp;SC) card. 
         FIG. 4B  shows an embodiment of a user interface screen supporting a login procedure for the AG&amp;SC card web site, according to the present invention. 
         FIG. 4C  shows an embodiment of a user interface screen providing AG&amp;SC card customer area, according to an aspect of the present invention. 
         FIG. 4D  shows an embodiment of a user interface screen providing a statement of an AG&amp;SC card account, according to an aspect of the present invention. 
         FIG. 4E  shows an embodiment of a user interface screen supporting a transaction involving the transfer of credits from one AG&amp;SC card account to another, according to an aspect of the present invention. 
         FIG. 5A  shows an embodiment of a user interface screen supporting various services provided by a business unit of the automation goods and services provider in relation to purchases that can be made with an AG&amp;SC card, according to an aspect of the present invention. 
         FIG. 5B  shows an embodiment of a user interface screen supporting expanded services that can be purchased with an AG&amp;SC card, according to an aspect of the present invention. 
         FIG. 5C  shows an embodiment of a user interface screen supporting the content of services that are available for purchase with an AG&amp;SC card, according to an aspect of the present invention. 
         FIG. 5D  shows an embodiment of a user interface screen supporting link box for having access to different offerings to purchase with the AG&amp;SC card of the present invention. 
         FIG. 5E  shows an embodiment of a user interface screen supporting the various information related to the AG&amp;SC card of the present invention. 
         FIG. 6A  shows an embodiment of a user interface screen supporting offerings available for purchase from support shop using the AG&amp;SC card, according to an aspect of the present invention. 
         FIG. 6B  shows an embodiment of a user interface screen supporting a selection of the content of the support shop services, according to an aspect of the present invention. 
         FIG. 6C  shows an embodiment of a user interface screen supporting a selection of preselected downloads that can be purchased using the AG&amp;SC card, according to an aspect of the present invention. 
         FIG. 7A  shows an embodiment of a user interface screen supporting a selection of product support services that can be purchased using an AG&amp;SC card, according to the present invention. 
         FIG. 7B  shows an embodiment of a user interface screen supporting a selection of contents of product information, according to the present invention. 
         FIG. 7C  shows an embodiment of a user interface screen supporting a link box for accessing product information links, according to the present invention. 
         FIG. 8A  shows an embodiment of a user interface screen supporting various products and solutions that can be purchased using the AG&amp;SC card, in accordance with the present invention. 
         FIG. 8B  shows an embodiment of a user interface screen supporting an overall view of the goods and services that are available for purchase with the AG&amp;SC card of the present invention. 
         FIG. 9  is a flowchart showing the steps involved in purchasing automation goods and services from an automation goods and services enterprise using an automation goods and services charge card, according to the present invention. 
         FIG. 10  is a flowchart showing a method for administering an automation goods and services charge card account, where the method permits a card-holding customer of an automation goods and services enterprise to purchase goods and services from any one of a plurality of business units of the enterprise, according to the present invention. 
         FIG. 11  is a schematic drawing showing a system for providing automation-related offerings, from an automation goods and services provider having a plurality of business units, that can be purchased using online shopping or using an AG&amp;SC card, according to an aspect of the present invention. 
     
    
    
     DETAILED DESCRIPTION 
       FIG. 1  shows an automation business enterprise (E) center  10  interconnected with its business units (B)  20  across the globe through a global communication network  30 , according to the present invention. Communication network  30  may comprise the Internet and/or a variety of other networks, such as local area networks (LAN), wide area networks (WAN), public switched telephone network (PSTN), and the like. The networks are accessible by customers C ( 40 ), who are also, in general, geographically distributed around the world, in various countries having their own currencies. The business enterprise provides automation goods and services purveyed by the various business units of the enterprise to its customers, according to the present invention, through a centralized mechanism, involving a charge account having an associated number or other identifier, and optionally associated with a charge card. Aspects of these transactions can be conducted using any modality afforded by the global communication network  30 , including but not limited to packet-switch data transfer, voice transmission, voice-over IP, or other means. A goods and services charge card provided by the automation business enterprise to its customers, as described in detail below, facilitates the automation goods and services transactions. 
       FIG. 2  shows an embodiment of an aspect of the invention showing a global network in which automation goods and services transactions may take place between any one of customers C 1, . . . , i    40  and an enterprise service center E  10  representing the enterprise system and various business units B 1, . . . , j    20  associated with the enterprise system. A host server  15 , residing at enterprise system E  10 , provides an interface between customers C  40  and their choice of business units  20  on a real time basis and in a manner that is transparent to the customer. In an embodiment of the present invention, host server  15  holds a frequently updated database of the offerings of all the business units B 1, . . . , j    20 . It is also possible that the enterprise system only provide links to business unit servers holding their own databases. 
     The same host server  15  can also interact with the customer and perform the transaction with a business unit B  20  on behalf of the customer C  40 , if the customer C  40  so desires, in real time and in a manner transparent to the customer. This can be accomplished with an interface switchboard  11  shown in  FIG. 2 . The business units B  20  have their own interface systems (not shown). The transactions between the enterprise E  10  and the customer C  40 , and between the enterprise E  10  and the business units B  20 , are paperless and occur without invoicing. Accounts settlement and reconciliation, according to an aspect of the present invention, are accomplished on line, as further described below. 
     In one embodiment of the present invention, customer C  40 , who has opened an account with the business enterprise E  10  or with one or more of its various business units  20  according to suitable means, can connect to the host server  15  by entering personalized account data that may also be provided on an associated automation goods and services charge AG&amp;SC card  41 . The customer can do so by entering such account data into a computer terminal (not shown) in communication with host server  15 . A telephone, fax, a laptop, wireless, or other communication devices may also be used to connect to host server  15 .  FIG. 2  shows direct links  50  and  60  between the enterprise host server  15  and the various communication devices. Internet  70  provides a common communications medium between the customers C and the enterprise host server  15 . In an embodiment of the system, customers C interact or transact only through the centrally located enterprise host server  15 , though it is possible that they can also connect with the various business units directly. A variety of combinations of these systems  75 ,  77 , and others  55 ,  65 , are possible 
     AG&amp;SC card  41  may be used, in accordance with the principles of the present invention, for the purchase of goods, software, actual or virtual services, or any combination of these. Cards that are only usable to purchase goods, but not services, or vice-versa, may, nevertheless, fall within the scope of the present invention. 
     As shown in  FIGS. 1 and 2 , automation goods and services charge (AG&amp;SC) card  41  facilitates worldwide transactions in the purchase of automation goods and services, including virtual services, through various communication networks  50 ,  60 ,  70 , and others, not shown. Transactional communications initiated by a customer holding AG&amp;SC card  41  in any part of the world are received at host server  15 , where, in one embodiment, interface boxes  11  direct the communications to a router  13 , which in turn connects to a card server  80  with its own data storage medium, such as a computer disk or tape. The business enterprise E  10  is capable of supporting a plurality of business unit (B 1, . . . i ) computers to serve the needs of customers (C 1, . . . j ) in several ways. 
       FIG. 3A , in one embodiment, shows AG&amp;SC card server  80  that manages AG&amp;SC card transactions received from host server  15  over the network ( 50 ,  60  or  70 ). The communications over the network include card holder transactions  17  and service and support functions  19  provided by enterprise system  10  for administering the sale of automation goods and services. According to an aspect of the present invention, any one of the plurality of business units B  20  can also communicate directly with a customer C  40  transmitting requests over the network  50 ,  60  or  70 . The AG&amp;SC card server  80  is configured to transmit automation goods and services information to the card holder, e.g., customer C  40 , and to receive order information from the card holder regarding a purchase from at least one of the plurality of business units B  20 . Server  80  is further configured to maintain the card holder account and to maintain accounts corresponding to each of the plurality of business units, as shown in  FIG. 3B . 
     The various functions performed by AG&amp;SC card server  80  shown in  FIG. 3B  include card management according to card numbers  81 , registration management  82 , updating account data  83 , managing permanent archival data  84 , settling accounts  85 , and information release functions on the Internet  86 . Databases associated with each one of these functions can include anonymous accounts, service types and charges for services provided. Service data includes credits for services rendered. 
     In an embodiment of an aspect of the present invention, the system architecture shown in  FIG. 3B  provides a capability for purchasing goods and services with or without an AG&amp;SC card  41 . A shopper for automation goods and services, e.g., customer C  40 , can make purchases over the internet on an online shop  87 . Using the services provided by either host server  15  or card server  80  associated with a business unit of the enterprise system, the shopper can register online, and request purchase of automation goods and services, and at the same time, subscribe to the services by requesting an AG&amp;SC card, if so desired. Account statement, account status, and download services are provided both for card holders and non-card holders alike. Querying either the enterprise system or any one of the plurality of business units directly, regarding the purchase of multiple AG&amp;SC cards  41 , loading and transferring between and among the cards, market analysis and retrieval of enterprise related news can readily be accomplished through support services  89  over the network, via service and support  19 . In one embodiment, internet service area  88 , in communication with AG&amp;SC card computer  80 , as well as with support services  89 , provides: account holder functionality, including account statement, account status, transfer of credits and registration; support services, including updating of service types, correction of data, analysis and market adjustment and transaction; and distribution/customer care, including without limitation the transfer of credits (or other credit functions) as described further below. The functions according to the aspects of the invention shown in  FIG. 3B  may be arranged and carried out on any suitable hardware and software platform configuration. 
     The AG&amp;SC card  41  may be an integral component of a comprehensive service approach provided according to the present invention for virtually all of a customer&#39;s automation-related needs. Irrespective of whether a customer needs a set of specific services from a technical support unit, or wants to purchase support tools on the online shop, the customer, regardless of the currency he or she might otherwise transact in, can always pay using AG&amp;SC card  41 , according to the present invention and as further described below. 
     A transactional communication is initiated by entering a card number and a PIN into any of the communication devices, using a customer&#39;s own respective (e.g., preferred) means for entering numbers. In an embodiment of the present invention, no special card reader need be used with AG&amp;SC card  41 . A card number and PIN may be provided on the AG&amp;SC card  41 . When the card is issued, it is loaded with a credit line as requested by the customer. The card can be ordered over the Internet and paid for by using an ordinary credit card or other suitable means, and can be used immediately. Several cards can be ordered at the same time. The registration is confirmed via fax, e-mail or other means. Furthermore, the value, e.g., the number of credits purchased and associated with the card account, can be provided on the back of the physical AG&amp;SC card at the time of delivery. A scratch field can overlay this account credit field in order to assure customer privacy. 
     An embodiment of other aspects of the present invention is shown in  FIGS. 4A-8B , which show example user faces describing system functionality and modes of user interaction. Information about the AG&amp;SC card can be obtained from the Internet by entering its appropriate address, e.g., uniform resource locator (URL). An embodiment of a screen from the web site is shown in  FIG. 4A . The name of the card, AG&amp;SC card  100 , is shown at the left top portion of the screen, the card itself depicted on the right at  110 . Advantages of the card  120  and information  130  about the card, such as how to order the card  133 , are also displayed on the screen. Clicking on  135  with a cursor invokes a Login page as shown in  FIG. 4B . Entering card number  140  and PIN  143 , and clicking  145  retrieve a page relating to Customer Area  150  shown in  FIG. 4C . The customer can then review a statement of account  190 , transfer credits between AG&amp;SC cards  200  (further described below), review price summary  210  of available goods and services, go to technical support  220 , or to online shop  280 , and register  290 . The customer can interact with the web site in different languages, print, and search  151 . The customer can visit marketplaces or return to home page  155 . Other choices that are available include support services  160 , electronic commerce  170 , and news center  180 . The various products and solutions can be found by clicking  300  in the web site shown in  FIG. 4C . 
     Clicking on  190  retrieves a page relating to a statement of account web page shown in  FIG. 4D . In the example shown in the figure, account balance  193  shows the number of credits available in the account, 1000 credits in this example. The dates for the balance are shown in fields  195  and  195 ′. A summary of the account is also shown in windows  197 , detailing, among other things, the date, service type, service request number, and comments on the account. The customer can contact the entity providing the service, that is, either the enterprise system or one of the business units, by clicking contact icon  199  shown in  FIG. 4D . 
     Clicking on  200  in  FIG. 4C  retrieves a page to transfer web page shown in  FIG. 4E . On this web page, the customer can transfer credits from one AG&amp;SC card account to another. An account balance for one card is shown in window  193  and for the other card account in window  193 ′. Each card account has its own respective card number  140 , and  140 ′. If desired, each account can have a separate PIN,  140  and  140 ′. The credit transfer transaction is accomplished by entering an amount to be transferred in window  201 , and sending  203  the information to the server. If it is desired to go back and start over again, button  205  is available for that purpose. The customer is also given a choice to contact the system administrator by clicking contact button  199 , which is available in all web pages. 
     A customer can view price summary information for various goods and services by clicking  210  or going directly to technical support by clicking  220 .  FIG. 5A  shows services  260  web page. Web pages for support shop  240 , information  250  and product support  270  are accessible from the service page shown in  FIG. 5A . Other useful links, including search, sitemap and home are provided with icons  227 . Specific services are listed on the sidebar with drop-down menus for contacts, online support  261 , technical support  263 , technical consulting, configuration and software engineering  265 , spare parts  267 , and quality  269 . A tree function  225  provides a field for retrieving an individualized menu for specific needs. Tabs  230 ,  235  and  237  provide access to technical support, contents of the technical support, and links, respectively, while main body  231  of the services web page informs the customer of the expected answers to technical questions. 
     As an example,  FIG. 5B  shows, under drop-down menu  263 , the types of technical support that are available. The types of support range from addressing cases in the order of a predetermined priority to providing support that is remotely rendered  264 .  FIG. 5C  shows choices available under configuration and software engineering  265  menu, including configuration, software engineering, contact information and prices  266 . The sidebar is always available under each one of the tabs  230 ,  235  and  237 . For example, the drop-down menu for configuration and software engineering  265  is open under contents tab  235 . Similarly, link box tab web page  5 D shows the same sidebar as before, except that the drop-down menus are closed. Main body  239  describes the kinds of content links accessible by hypertext link from the web page, as well as providing a search manual  238  to assist the customer. 
       FIG. 5E  shows an information web page that is accessible by clicking information  250  link on the web page shown in  FIG. 5B . The information sidebar contains drop-down menus pointing to promotional resources  252 , tips on online support  254 , and others. In the main body of the web page, various informational materials, including advertising brochures  257 , are listed. 
     Clicking support shop  240  link on the web page shown in  FIG. 5B , retrieves a page as shown in  FIG. 6A . A corresponding sidebar appears on the left side of the web page with drop-down menus, including  241 ,  242 ,  244 ,  246  that point to top downloads, products, knowledge base CD-ROM, automation manual collection, respectively, and an AG&amp;SC card survey. Automation manuals describe, for example, programmable controllers. In support shop  240 , manuals and products are listed in their respective categories  247 , as shown in  FIG. 6A . 
       FIG. 6B  shows support shop web page under contents tab  243 . The support shop sidebar, when selected, retrieves a contents page, where, among other things, automation related items  248  are listed.  FIG. 6C  shows a list  242  of products with corresponding drop-down menus open, such as automation systems, communication networks, process automation and sensor technology. A drop-down menu for the AG&amp;SC car is also given. A list of top downloads  249  in the support shop is shown in the main body of the web page. 
     Product support link  270  of the web page shown in  FIG. 5A  yields the web page shown in  FIG. 7A . On the sidebar, product information involving, among others, drive technology  271 , automation systems  272 , communication/networks  274 , low-voltage switching technology, and system solutions and products  276  are given. Tabs  273  and  275  link to the contents and link box, respectively, related to the product support. In the contents web page shown in  FIG. 7B , the items listed in drop-down menu for drive technology  271 , as well as others, are shown in the main body of the web page.  FIG. 7C  shows the system solutions and products drop-down menu  276 ′ on the sidebar, while the main text area on the web page presents information related to link box and more  275 . 
     Other links  170 ,  180  and  300  shown in the AG&amp;SC Card Customer Area web page of  FIG. 4C  connect to e-commerce, news center, and products and solutions, respectively. Link  300  brings up the products and solutions web page  300  that serves the Automation Goods and Services business (AG&amp;SB) unit  400 . The web page shown in  FIG. 8A  lists the various products and solutions that are available. Clicking  330  can access the web site for the AG&amp;SB unit.  FIG. 8B  shows AG&amp;SB unit web site  400 , where links  410  useful to a customer, contacts  420  and quick-access links  430  can be accessed readily. Support shop  440 , information  450 , services  460  and product support  470  can also be accessed in a manner similar to those described above. A side bar provides a summary of services  480 , and access to Automation Goods and Services Charge (AG&amp;SC) card  490  for purchasing these various goods and services. Support tools are also accessible from the sidebar in  FIG. 8B . 
     An AG&amp;SC card can be used worldwide from any telephone, fax, Internet or other network connection, without the need for any additional devices. The customer enters the card number and PIN to gain access to the automation goods and services offered by the business units of the enterprise, as well as the service and support services offered by the enterprise using the system as described. The value, in credits, of the goods and/or services purchased by the account holder is debited from the account associated with the AG&amp;SC card. 
     All the services (and goods) offered on the system are marked currency-neutral so that the AG&amp;SC card can be used worldwide. When an account holder in, say, Latin America, wishes to make a purchase from the automation goods and services company located in, say, Europe, the prices of particular goods and services in credits may be tied to the value of a particular base currency of convenience, e.g., the Euro. In this manner, as currency exchange rates fluctuate, there is no need to constantly update the exchange rate between credits associated with a particular offering, and the currency used by a particular customer. Rather, knowing the exchange rate between ones&#39; home currency, e.g., the Mexican peso, and the Euro, one can also quickly compute the cost of products in credits as a function of that home currency. 
     In one aspect of the present invention, leftover credits in different card accounts can be transferred to a single such account as shown in  FIG. 4E . Conversely, it is also possible to split the credits in one card account and distribute them across several different card accounts. In another embodiment, when the credits on the card are all exhausted, the customer can readily reload the card online with credits from one or more card accounts that still hold credits. 
     The flow chart of  FIG. 9  shows steps associated with purchasing automation goods and services over the Internet using an AG&amp;SC card  110 , such as shown in  FIG. 4A , having a card number and a PIN. In addition, an account associated with the card is loaded with a value with which to make purchases. The value is derived from the customer by any known means, including credit card, or invoicing. In an embodiment of the present invention, the value of the card is expressed in units of credits. Each unit of credit is currency-neutral, so that AG&amp;SC card  110  can be used worldwide. The amount of the goods and services purchased are deducted from the credits in the account associated with the card. As described more generally above, an embodiment of the enterprise system in an embodiment of the present invention pegs the value of the credits to an actual currency, e.g., the U.S. dollar or the Euro, eliminating any need for the system to handle currency conversions after a purchase is made. Rather, the system takes into account exchange rates when credits are being purchased by a buyer whose currency may fluctuate with respect to the base currency associated with the credits (e.g., U.S. dollar, Euro, etc.). 
     In the embodiment of the present invention shown in  FIG. 9 , a customer accesses at  500  the enterprise host server  15  shown in  FIG. 2 , by entering the appropriate universal resource locator, URL, as the address of the web site for the business enterprise. Host server  15  displays a home page with a window to log on at  505 . The customer enters a card number and a personal identification number as provided on the AG&amp;SC card at  510 . The host server checks the information entered with the registration and account number databases provided in the system management and administration files  90  shown in  FIG. 3 . Once the information is verified at  515 , the server displays a menu for automation goods and services at  520 . The customer makes a selection of items from the menu and submits an order accordingly at  525 . The system checks the availability of the selected items. If available, the system subtracts the credit value of the items from the credit value available on the card and processes the order  530 . If the amount of credit in the account associated with the card is insufficient, credits from other cards can be transferred online as described above. 
     The system server then confirms the sale of automation goods and/or services in the form of a delivery note at  535 . Accordingly, the customer receives the downloadable services or a receipt for goods to be rendered at  540 . The transaction is consummated, the account settled paperlessly and absent any invoicing. 
     In another embodiment of the present invention,  FIG. 10  shows the interaction of the host server with an account holder. The host receives card information from the AG&amp;SC account holder at  600 . The server transmits to the account holder a signal representing availability of automation goods or automation virtual services or both  605 . Based on the availability signal, the server elicits order information from the account holder  610 . The server identifies a price associated with the elicited order information  615  and determines whether value in an account associated with the card has sufficient value to cover the elicited order  620 . If the account has sufficient value to cover the order, the server transmits a signal-directing fulfillment of the order  625 . Accordingly, the value in the account is decremented by a value corresponding to the price associated with order. The transaction is consummated paperlessly and without invoicing. 
     In another embodiment of the present invention, a method of doing business transactions directly with business units of an automation goods and services enterprise is accomplished by permitting a card holding customer to purchase virtual automation goods and services from any one plurality of business units of the enterprise. Within the enterprise system, an automation goods and services charge card computer communicates with the account holder and, over a network, with a plurality of business units. The computer transmits automation goods and services information to the account holder and receives order information from the account holder regarding a purchase from at least one of the plurality of business units. The automation goods and services computer maintains the account holder account and also maintains accounts corresponding each of the plurality of business units. The automation goods and service computer debits the account holder account to reflect account holder order information and settles the account of any of the plurality of business units affected by the account holder order. 
     In yet another embodiment of the present invention, a system provides capability for purchasing goods and services with or without an AG&amp;SC card. Referring to  FIG. 11 , a non-account holder  700  can shop online via online server  710 , which in turn communicates with AG&amp;SC card server  730  that communicates with the former server using, e.g., file transfer protocol  720 . Online server  710  includes port  713  and script file  717 . AG&amp;SC card server  730  includes information management databank  733 , SQL database  735 , and script file  717 . A dispatching system  750  communicates with the AG&amp;SC card server  730  such that the online shopper can be served through the AG&amp;SC card server  730  as shown in  FIG. 11 . Furthermore, a holder of an AG&amp;SC card can automatically purchase goods and services either online or through any other device, such as a telephone or fax that can communicate with the AG&amp;SC card server. 
     While the invention has been particularly shown and described with reference to particular embodiments, those skilled in the art will understand that various changes in form and details may be made (e.g., system functionality implemented by various hardware and software arrangements or method steps varied) without departing form the spirit and scope of the invention as set forth in the appended claims. An automation goods and services company or enterprise with a plurality of business units may, for purposes of this invention, include an arrangement where the business units are not necessarily owned by, but are business affiliates of, the automation goods and services company.