Claims
- 1. A method for providing a payment for an on-line transaction comprising the steps of:
providing a consolidated account configured to store value, storing the value in the consolidated account, and making a payment with the stored value.
- 2. The method of claim 1 further comprising the step of communicating a request for value to one or more value sources.
- 3. The method of claim 2, said step of communicating performed according to a predetermined schedule.
- 4. The method of claim 2, said step of communicating performed in response to an occurrence of a triggering event.
- 5. The method of claim 4, said triggering event comprising an anticipated overdraft of the consolidated account.
- 6. The method of claim 2, said step of communicating performed in accordance with a predefined rule.
- 7. The method of claim 6, said rule depending upon one or more interest rate of said one or more value source.
- 8. The method of claim 6, said rule defined by a user.
- 9. The method of claim 6, said rule defined by an issuer.
- 10. The method of claim 1 further comprising the step of providing a statement indicating a quantity of funds stored in the consolidated account.
- 11. The method of claim 1 further comprising the step of providing a statement indicating payments made from the consolidated account.
- 12. The method of claim 1 further comprising the step of communicating an offer to the consumer to provide said consolidated account.
- 13. The method of claim 1 further comprising the step of receiving from a consumer a request for said consolidated account.
- 14. The method of claim 1 further comprising the step of collecting authentication information from a consumer.
- 15. The method of claim 14 further comprising the step of verifying the consumer's identity.
- 16. The method of claim 14, said information including demographic information concerning the consumer.
- 17. The method of claim 1 further comprising the step of identifying the consumer's designated value source.
- 18. The method of claim 1 further comprising the step of receiving value from one or more value source.
- 19. The method of claim 18, said value source comprising two or more sources of value.
- 20. The method of claim 18, said value source comprising one or more charge account.
- 21. The method of claim 18, said value source comprising one or more debit account.
- 22. The method of claim 18, said value source comprising one or more gift account.
- 23. The method of claim 18, said value source comprising one or more stored value account.
- 24. The method of claim 18, said value source comprising one or more telephone account.
- 25. The method of claim 18, said value source comprising one or more loyalty device.
- 26. A system for providing a payment for an on-line transaction, the system comprising an account administrator in communication with a transaction administrator and one or more value sources, the transaction administrator configured to perform the steps of providing a consolidated account configured to store value, storing value in the consolidated account, and settling the payment with the stored value.
- 27. The system of claim 26, the account administrator configured to perform the step of communicating a request for value to one or more value sources.
- 28. The system of claim 27, said communicating performed according to a predetermined schedule.
- 29. The method of claim 27, said communicating performed in response to an occurrence of a triggering event.
- 30. The system of claim 26, said account administrator configured to perform the step of providing a statement indicating funds stored in the consolidated account.
- 31. The system of claim 26, said account administrator configured to perform the step of providing a statement indicating payments made from the consolidated account.
- 32. The system of claim 26, the transaction administrator configured to perform the step of communicating an offer to the consumer to provide said consolidated account.
- 33. The system of claim 26, the transaction administrator configured to perform the step of receiving from a consumer a request for said consolidated account.
- 34. The system of claim 26, further comprising an authentication engine in communication with the transaction administrator, the authentication engine configured to perform the step of collecting authentication information from a consumer.
- 35. The system of claim 34, the authentication engine configured to perform the step of verifying the consumer's identity.
- 36. The system of claim 34, said information including demographic information concerning the consumer.
- 37. The system of claim 26, the transaction administrator configured to perform the step of identifying the consumer's designated value source.
- 38. The system of claim 26, the account administrator configured to perform the step of receiving value from one or more value source.
- 39. The method of claim 38, said value source comprising two or more sources of value.
- 40. The method of claim 38, said value source comprising one or more charge account.
- 41. The method of claim 38, said value source comprising one or more debit account.
- 42. The method of claim 38, said value source comprising one or more gift account.
- 43. The method of claim 38, said value source comprising one or more stored value account.
- 44. The method of claim 38, said value source comprising one or more telephone account.
- 45. The method of claim 38, said value source comprising one or more loyalty account.
- 46. The method of claim 38, the account administrator configured to perform the step of communicating a request for value to one or more value source in accordance with a predefined rule.
- 47. The method of claim 46, said rule depending upon one or more interest rate of said one or more value source.
- 48. The method of claim 46, said rule defined by a user.
- 49. The method of claim 46, said rule defined by an issuer.
- 50. The system of claim 26, said payment comprising value having a form defined a user.
- 51. The system of claim 26, said payment comprising value having a form defined a merchant.
CROSS REFERENCE TO RELATED APPLICATIONS
[0001] This application claims benefit from U.S. Provisional Patent Application Serial No. 60/301,337, filed Jun. 27, 2001, which is hereby incorporated by reference.
Provisional Applications (1)
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Number |
Date |
Country |
|
60301337 |
Jun 2001 |
US |