Benedict I Kavanagh

US Patent:

20010042051, Nov 15, 2001

Filed:

Jun 26, 1998

Appl. No.:

09/105550

Inventors:

JEREMEY L. BARRETT - PALO ALTO CA, US
JOHN A. SWEET - PALO ALTO CA, US
BENEDICT I. KAVANAGH - SAN FRANCISCO CA, US

International Classification:

G06F017/60
H04K001/00
H04L009/00

US Classification:

705/065000, 705/067000

Abstract:

A method and apparatus for conducting a transaction over a network is disclosed. The method may include the steps of: using a consumer client to interact with a merchant system; sending a first request from the merchant system to a transaction manager; sending a first response from the transaction manager to the merchant system; relocating the consumer client to the transaction manager; using the consumer client to interact with the transaction manager; relocating the consumer client back to the merchant system; sending a second request from the merchant system to the transaction manager; and sending a second response from the transaction manager to the merchant system. The apparatus may include a transaction manager for use in conducting a transaction over a network. The transaction manager generally includes a database server for storing consumer wallets, a consumer client server configured to provide an interface for a consumer client on the network with the database server and to provide information from one of the consumer wallets to the consumer client, and a remote interface server configured to pass transaction information to a merchant system coupled to the network in response to a request of the merchant system and to pass information from one of the consumer wallets to the merchant system in response to interaction of the consumer client with the consumer client server.