Ched E Switzer

US Patent:

20050033653, Feb 10, 2005

Filed:

Aug 7, 2003

Appl. No.:

10/637315

Inventors:

Ian Eisenberg - Seattle WA, US
Ched Switzer - Seattle WA, US
Brian Marchlewicz - Seattle WA, US

International Classification:

G06F017/60

US Classification:

705026000

Abstract:

The present invention provides a selectively tailored product, method, apparatus, and method of conducting an online vending business comprising an authorization method for electronic purchase transactions. In this invention, a user or would-be purchaser at a terminal, for example, a remote terminal, which may be a telephone or a personal computer, attempting to consummate an electronic purchase transaction at a merchant vendor's online address by presenting, or otherwise inputting, information from a money-transaction card, such as a credit card, actuates or prompts, or causes to be prompted, a probe means, such as an executable computer program, which is effective to seek out and identify various information in an authorization process, inclusive of originating IP address, system local language usage customs, time and date in the local time zone, geographical location, or any other verification information deemed useful to authentication and determination of authorization of the transaction.