Patent ID: 7620619

Claim:
A method for using a computer to process the sale of goods or services, comprising: receiving a conditional purchase offer including an offer price from a customer for purchasing goods or services; receiving a payment identifier specifying a financial account for use in providing guaranteed payment for said goods or services if said conditional purchase offer is accepted; accessing seller defined rules that define conditional purchase offer acceptance/rejection parameters; applying the accessed seller defined rules to compare said conditional purchase offer with seller inventory and pricing information to determine if said conditional purchase offer is acceptable; and if said conditional purchase offer is unacceptable, (a) transmitting a rejection of said conditional purchase offer to said customer; (b) processing the conditional purchase offer to determine whether to apply a repeated conditional purchase offer deterrence action; and (c) if it is determined that a deterrence action is necessary, taking an action to deter the customer from submitting multiple conditional purchase offers for said goods or services.