Patent ID: 8346894

Claim:
A computer-implemented method for completing a real-time Web transaction from a Web application in an on-line service over a digital network on the Web, the method comprising: displaying at least one Web application specific to an on-line service over a digital network on the Web, wherein the Web application is a point-of-service (POSvc) Web application, and further wherein the digital network is an overlay service network running on top of an IP-based facilities network selected from a group consisting of the physical TCP/IP-based Internet, the Web and email networks, wherein the facilities network is a physical network; accepting a first signal comprising a request from the point-of-service (POSvc) Web application for a real-time Web transaction specific to a Web merchant's value-added network service on the Web offered as the online service over the digital network on the Web; utilizing one or more objects in the Web application and the information entries and the attributes of the one or more objects, wherein the one or more objects are one or more individual data structures in and specific to the POSvc Web application in said request, wherein the individual data structure in the POSvc Web application is an object identity with the information entries and attributes specific to the Web transaction request from the Web application, to connect in real-time to the value-added network service of the Web merchant without executing Common Gateway Interface (CGI) scripts; executing said connection at the OSI application layer, utilizing application layer routing of the object identity with the information entries and attributes over the service network on the Web, and further wherein the object in the POSvc Web application is not an SNMP object; routing the one or more individual data structures in the POSvc Web application together with said information entries and attributes from said Web application over the service network on the Web, wherein the routing the one or more individual data structures in the POSvc Web application together with said information entries and attributes from said Web application over the service network on the Web is object routing on the World Wide Web performed as OSI application layer routing, distinct from routing at the transport layer of the OSI model or network layer of the OSI model or lower layers of the OSI model; managing the connection between said Web transaction request from the POSvc Web application and the Web merchant's services from end-to-end in real-time; and completing a real-time Web transaction from said Web application, wherein the online service is a loan Web application.