| 摘要 |
A financial payment method and medium permitting the tender and receipt of monetary value by sellers and buyers over a network of inter-linked computers, particularly over the Internet. In a preferred embodiment, the system carries out a purchase transaction between a seller (Merchant)(17), a buyer (Consumer)(18), a remote gateway computer, with all the computers collectively linked to a Processing Center (19). The Buyer (18) selects a product for purchase (21) by browsing a seller Web site (17). The selection of the payment method redirects the buyer (18) to the Processing Center (19) over communications link (23). The buyer (18) is prompted by the Processing Center (19) to provide account information. Upon authentication of the account information (25), the buyer's electronic account outstanding balance is debited and the seller's electronic account outstanding balance is credited by the amount of the monetary value of the charger (26).
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