Appeal No. 2005-1615 Application 09/800,535 corresponding to that IP address” (col. 7, lines 16-21). That request is a first message that indicates the making of a financial transaction and includes customer information (the IP address) and customer information (the billing mechanism). If, at the transaction server, a database entry for that IP address is not confirmed, the ISP receives a non-confirmation signal (col. 7, lines 21-29). Thus, Ronen determines the validity of the customer information and generates a second message (the non-confirmation signal) if the customer information is invalid. The billing server has stored on a database (112), for each user who has arranged for centralized billing functionality, a record that includes the user’s choices for how charges for transactions are to be billed (col. 4, lines 20-27 and 43-46). “Charges for transactions of a certain type for less than a predetermined amount may be designated for billing to an identified telephone account associated with the user” (col. 4, lines 33-36). The exemplified charges for less than a predetermined amount are charges for information services such as providing a stock report for $0.50 (tables 1 and 2). Hence, if 4Page: Previous 1 2 3 4 5 6 7 8 9 NextLast modified: November 3, 2007