| 摘要 |
A virtual payment system for ordering and paying for goods, services and content over an internetwork. The virtual system comprises a commerce gateway and a credit processing server. The virtual system is a secure closed system comprising registered merchants and consumers. Once an account is established, a digital certificate is stored on the registered participant's computer. The consumer can then order a product, i.e., goods, services or content from a merchant and charge it to a virtual payment card. When the product is shipped, the merchant notifies the commerce gateway component, which in turn notifies the credit processing server which applies the charges to the consumer's virtual card account. The consumer can settle the charges using a prepaid account, a credit card, or by using reward points earned through use of the virtual payment card. A consumer may create sub-account that have additional limitations.
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