Appeal 2007-3540
Application 09/946,616
1 Payments web page. If the buyer has enabled the 1-Click service, this
2 page includes a button for paying immediately with the buyer's 1-Click
3 settings; otherwise, the user is prompted to specify payment and
4 shipping information (Bogosian, col. 13, l. 64 – col. 14, l. 3).
5 Cornelius
6 22. Cornelius is directed toward account settlement utilizing a network.
7 First, a buyer is allowed to select from a group of options in order to
8 settle an account. The options include settling a minimum balance,
9 partially settling, settling a full balance, and applying for an import loan
10 on payment due date. If the selected option includes settling a full
11 balance, the account may be reconciled. On the other hand, if the
12 selected option includes applying for an import loan on payment due
13 date, an import loan may be booked and a credit line may be transferred
14 to a trade loan line (Cornelius, col. 3, ll. 31-45).
15 23. Cornelius describes the application of its processes to online auctions
16 (Cornelius, col. 175, ll. 25–34).
17 24. Cornelius, in FIG. 65’s flowchart, illustrates a process for affording a
18 settlement function utilizing a network. In operation, a buyer and a
19 seller are allowed to negotiate terms of a transaction, which include an
20 amount of payment and a time frame thereof. Payments are periodically
21 executed, from the buyer to the seller per the terms of the transaction,
22 automatically by accessing the bank associated with the buyer and
23 authorizing payments to the seller (Cornelius, col. 30, l. 60–col. 31, l. 7).
8
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Last modified: September 9, 2013