Cardinalcommerce Corporation

Ravishankar S Bhagavatula

Chandra S Balasubramanian

Francis M Sherwin

Michael A Keresman, Iii

Jeffry J Bowman

A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.

Centralized identity authentication for electronic communication networks

A method of processing commercial transactions carried out over the Internet () between account holders () and participating merchants () includes receiving a purchase request () of a buyer from a participating merchant () indicating that the buyer desires to carry out a transaction with the merchant (). The transaction includes the buyer purchasing one or more selected items () from the merchant (). The buyer is authenticated () as an account holder () and transaction fulfillment data () is established. The transaction fulfillment data () indicates a delivery destination for the selected items. In turn, the transaction fulfillment data () is communicated to the participating merchant (), and transaction details () from the participating merchant () are received. The transaction details () include a cost for the selected items. Thereafter, completion of the transaction is authorized () and an authorization code () established therefor is communicated to the participating merchant ().

Secure and efficient payment processing system

A method for carrying out commercial transactions includes establishing a transaction processing system on an electronic communications network, and establishing an account within the transaction processing system for a corresponding account holder. One or more descriptions of acceptable future commercial transactions related to the account are obtained from the account holder. Commercial transactions carried out via the transaction processing system are administered, and it is verified that administered commercial transactions related to the account meet one or more of the descriptions obtained.

Secure and efficient payment processing system with account holder defined transaction limitations

A method of processing drug prescriptions via a communications network includes registering doctors, pharmacies and patients as participants such that each registered participant's identity is uniquely defined and determinable. Registered doctors from which prescriptions are received via the communications network have their identities authenticated. Each of the received prescriptions indicates a respective registered patient's identity for whom the prescription is intended. Registered patients from which orders are received via the communications network also have their identities authenticated. Each of the received orders indicates the prescription being ordered. The method also includes forwarding the orders to registered pharmacies via the communications network.

Secure on-line authentication system for processing prescription drug fulfillment

A method of administering a commercial transaction carried out over a communications network () used for shopping includes receiving a shopper () at a first web-site maintained on the communications network (). The shopper () has an affinity group () associated therewith. The method further includes forwarding the shopper () to a second web-site maintained on the communications network (), and obtaining a generated click-through fee related thereto. A portion of the obtained click-through fee is distributed to the affinity group () associated with the shopper (), and it is communicated to the shopper () how much was distributed.

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Yorba Linda, CA, United States of America

Ravishankar S Bhagavatula