Patent ID: 7139731

Claim:
An improved internet-centric electronic transaction processor for automating and facilitating retail sale of ones of a plurality of selected products to retail customers directly from a distributor of said products comprising: a database for storing catalog-type product data for a plurality of selected products; a communication interface for selectively permitting a retail customer to selectively access said catalog-type product data stored in said database; an electronic order form for permitting said retail customer to place a purchase order for ones of said selected products; an order processor for processing said purchase orders for ones of said selected products, said order processor including a payment authorization processor for checking the credit worthiness of a purchase method of payment before said purchase order is authorized for fulfillment, said payment authorization processor having a data integrity checker for checking the integrity of said order to determine if the purchase order should be accepted or rejected, a gross fraud checker for checking the accepted orders from said data integrity checker for fraud based on fraud information stored in said database to determine if the purchase order should be accepted or rejected, a commercial authorization service for generating a fraud score of the orders accepted by the fraud checker, and a comparator for comparing said fraud score with a predetermined threshold to determine if the purchase order should be accepted or rejected, and a distributor authorization processor for authorizing said distributor to fulfill said purchase ordering and authorizing to ship said ordered product to said customer in a manner transparent to said customer; and a payment processor for billing said retail customer for said ordered product when authorized for shipment.