Patent ID: 8751388

Claim:
A method of delaying billing, the method comprising: receiving, via an on-demand product provision system, a binding request from a consumer, wherein the on-demand product provision system comprises at least one server computer, and wherein the binding request comprises a selection of an on-demand identity product; providing, by the on-demand product provision system, the on-demand identity product to the consumer prior to billing the consumer; automatically determining after providing the on-demand identity product, by the on-demand product provision system, delayed-billing settings applicable to the binding request based at least in part on the selection, wherein the delayed-billing settings comprise consumer-authentication criteria and delivery-verification criteria; after determining the delayed-billing settings, verifying, by the on-demand product provision system, an identity of the consumer based at least in part on personally identifying information of the consumer and the consumer-authentication criteria; after determining the delayed-billing settings, verifying, by the on-demand product provision system, delivery of the on-demand identity product based on one or more product-delivery factors; confirming, by the on-demand product provision system, that the consumer has been successfully authenticated and that the on-demand identity product was successfully delivered; and billing, by the on-demand product provision system, the consumer for the on-demand identity product based on the confirmation.