This seems very rude. Hundreds of people from around the world are given a court date by a judge, and have to arrange time off, travel, etc. Then with just a week to go the judge discovers a "scheduling conflict". Does anyone know what the judge will be doing then? Or what the precedents are?
At http://www.lrz-muenchen.de/~phm/banks hen.html the situation in Germany is described. Using my easily-customizable Perl software package TOAD one can generate money transfer instructions in a format called DTAUS that many German banks accept. My local Munich Sparkasse accepts DTAUS files either via T-Online or via diskettes. It talks about the "programmable bank account" also.
Right on, hakker - lets find Linux offline support!
The web is an awful interface (slow, proprietary for each service) for doing stuff like paying bills and looking at graphs of account data. Some day you will change services and lose all your old data - you want your list of periodic bills, etc. to be local, not on their server.
Lots of folks mention downloading information in Quicken format. That may be the best we can do now, but we need a Linux program to process it. Surely there are at least some programs or spreadsheet macros (in gnumeric?) to deal with that for account data, but is there any open-source way to ask a bank to pay your bills?
Well, the other URLs pointing to the patent lead to the overloaded US Patent Office site. My buddy Vince pointed out this much more responsive IBM URL: US Patent 05960411
Here I reproduce the Abstract and the claims. Judge for yourself. I agree this is a BOGUS patent - to think that using cookies like this in September of 1997 was innovative....
US5960411: Method and system for placing a purchase order via a communications network Applicant(s): Amazon.com, Inc., Seattle, WA Issued/Filed Dates: Sept. 28, 1999 / Sept. 12, 1997
Abstract: A method and system for placing an order to purchase an item via the Internet. The order is placed by a purchaser at a client system and received by a server system. The server system receives purchaser information including identification of the purchaser, payment information, and shipment information from the client system. The server system then assigns a client identifier to the client system and associates the assigned client identifier with the received purchaser information. The server system sends to the client system the assigned client identifier and an HTML document identifying the item and including an order button. The client system receives and stores the assigned client identifier and receives and displays the HTML document. In response to the selection of the order button, the client system sends to the server system a request to purchase the identified item. The server system receives the request and combines the purchaser information associated with the client identifier of the client system to generate an order to purchase the item in accordance with the billing and shipment information whereby the purchaser effects the ordering of the product by selection of the order button.
CLAIMS: We claim: 1. A method of placing an order for an item comprising:
under control of a client system,
displaying information identifying the item; and
in response to only a single action being performed, sending a request to order the item along with an identifier of a purchaser of the item to a server system;
under control of a single-action ordering component of the server system,
receiving the request;
retrieving additional information previously stored for the purchaser identified by the identifier in the received request; and
generating an order to purchase the requested item for the purchaser identified by the identifier in the received request using the retrieved additional information; and
fulfilling the generated order to complete purchase of the item
whereby the item is ordered without using a shopping cart ordering model.
2. The method of claim 1 wherein the displaying of information includes displaying information indicating the single action. 3. The method of claim 1 wherein the single action is clicking a button. 4. The method of claim 1 wherein the single action is speaking of a sound. 5. The method of claim 1 wherein a user of the client system does not need to explicitly identify themselves when placing an order. 6. A client system for ordering an item comprising:
an identifier that identifies a customer;
a display component for displaying information identifying the item;
a single-action ordering component that in response to performance of only a single action, sends a request to a server system to order the identified item, the request including the identifier so that the server system can locate additional information needed to complete the order and so that the server system can fulfill the generated order to complete purchase of the item; and
a shopping cart ordering component that in response to performance of an add-to-shopping-cart action, sends a request to the server system to add the item to a shopping cart.
7. The client system of claim 6 wherein the display component is a browser. 8. The client system of claim 6 wherein the predefined action is the clicking of a mouse button. 9. A server system for generating an order comprising:
a shopping cart ordering component; and
a single-action ordering component including:
a data storage medium storing information for a plurality of users;
a receiving component for receiving requests to order an item, a request including an indication of one of the plurality of users, the request being sent in response to only a single action being performed; and
an order placement component that retrieves from the data storage medium information for the indicated user and that uses the retrieved information to place an order for the indicated user for the item; and
an order fulfillment component that completes a purchase of the item in accordance with the order placed by the single-action ordering component.
10. The server system of claim 9 wherein the request is sent by a client system in response to a single action being performed. 11. A method for ordering an item using a client system, the method comprising:
displaying information identifying the item and displaying an indication of a single action that is to be performed to order the identified item; and
in response to only the indicated single action being performed, sending to a server system a request to order the identified item
whereby the item is ordered independently of a shopping cart model and the order is fulfilled to complete a purchase of the item.
12. The method of claim 11 wherein the server system uses an identifier sent along with the request to identify additional information needed to generate an order for the item. 13. The method of claim 12 wherein the identifier identifies the client system and the server system provides the identifier to the client system. 14. The method of claim 11 wherein the client system and server system communicate via the Internet. 15. The method of claim 11 wherein the displaying includes displaying an HTML document provided by the server system. 16. The method of claim 11 including sending from the server system to the client system a confirmation that the order was generated. 17. The method of claim 11 wherein the single action is clicking a mouse button when a cursor is positioned over a predefined area of the displayed information. 18. The method of claim 11 wherein the single action is a sound generated by a user. 19. The method of claim 11 wherein the single action is selection using a television remote control. 20. The method of claim 11 wherein the single action is depressing of a key on a key pad. 21. The method of claim 11 wherein the single action is selecting using a pointing device. 22. The method of claim 11 wherein the single action is selection of a displayed indication. 23. The method of claim 11 wherein the displaying includes displaying partial information supplied by the server system as to the identity of a user of the client system. 24. The method of claim 11 wherein the displaying includes displaying partial shipping information supplied by the server system. 25. The method of claim 11 wherein the displaying includes displaying partial payment information supplied by the server system. 26. The method of claim 11 wherein the displaying includes displaying a moniker identifying a shipping address for the customer.
Slashdot Mirror
-Neal
--Neal
Good overview: http://www.hex.net/~cbbrowne/finances.ht ml, where CBB, Xfinans, etc are described.
At http://www.lrz-muenchen.de/~phm/banks hen.html the situation in Germany is described. Using my easily-customizable Perl software package TOAD one can generate money transfer instructions in a format called DTAUS that many German banks accept. My local Munich Sparkasse accepts DTAUS files either via T-Online or via diskettes. It talks about the "programmable bank account" also.
The QIF - Quicken Interchange Format - is described at http://www.hex.net/~cbbrowne/finan ceformats.html.
I have notes about IFX and OFX as upcoming standards for online transactions, but no references right now.
The unofficial"quicken page sounds useful.
-Neal
--Neal
The web is an awful interface (slow, proprietary for each service) for doing stuff like paying bills and looking at graphs of account data. Some day you will change services and lose all your old data - you want your list of periodic bills, etc. to be local, not on their server.
Lots of folks mention downloading information in Quicken format. That may be the best we can do now, but we need a Linux program to process it. Surely there are at least some programs or spreadsheet macros (in gnumeric?) to deal with that for account data, but is there any open-source way to ask a bank to pay your bills?
--Neal
antitrust@ftc.gov
This one is important - make your opinion known!
US Patent 05960411
Here I reproduce the Abstract and the claims. Judge for yourself. I agree this is a BOGUS patent - to think that using cookies like this in September of 1997 was innovative....
Boycott Amazon. Check out the pages of the League for Programming Freedom
IBM Intellectual Property Network
US5960411: Method and system for placing a purchase order via a communications network
Applicant(s): Amazon.com, Inc., Seattle, WA
Issued/Filed Dates: Sept. 28, 1999 / Sept. 12, 1997
Abstract:
A method and system for placing an order to purchase an item via the Internet. The order is placed by a purchaser at a client system and received by a server system. The server system receives purchaser information including identification of the purchaser, payment information, and shipment information from the client system. The server system then assigns a client identifier to the client system and associates the assigned client identifier with the received purchaser information. The server system sends to the client system the assigned client identifier and an HTML document identifying the item and including an order button. The client system receives and stores the assigned client identifier and receives and displays the HTML document. In response to the selection of the order button, the client system sends to the server system a request to purchase the identified item. The server system receives the request and combines the purchaser information associated with the client identifier of the client system to generate an order to purchase the item in accordance with the billing and shipment information whereby the purchaser effects the ordering of the product by selection of the order button.
CLAIMS:
We claim:
1. A method of placing an order for an item comprising:
- under control of a client system,
- displaying information identifying the item; and
- in response to only a single action being performed, sending a request to order the item along with an identifier of a purchaser of the item to a server system;
- under control of a single-action ordering component of the server system,
- receiving the request;
- retrieving additional information previously stored for the purchaser identified by the identifier in the received request; and
- generating an order to purchase the requested item for the purchaser identified by the identifier in the received request using the retrieved additional information; and
- fulfilling the generated order to complete purchase of the item
- whereby the item is ordered without using a shopping cart ordering model.
2. The method of claim 1 wherein the displaying of information includes displaying information indicating the single action.3. The method of claim 1 wherein the single action is clicking a button.
4. The method of claim 1 wherein the single action is speaking of a sound.
5. The method of claim 1 wherein a user of the client system does not need to explicitly identify themselves when placing an order.
6. A client system for ordering an item comprising:
- an identifier that identifies a customer;
- a display component for displaying information identifying the item;
- a single-action ordering component that in response to performance of only a single action, sends a request to a server system to order the identified item, the request including the identifier so that the server system can locate additional information needed to complete the order and so that the server system can fulfill the generated order to complete purchase of the item; and
- a shopping cart ordering component that in response to performance of an add-to-shopping-cart action, sends a request to the server system to add the item to a shopping cart.
7. The client system of claim 6 wherein the display component is a browser.8. The client system of claim 6 wherein the predefined action is the clicking of a mouse button.
9. A server system for generating an order comprising:
- a shopping cart ordering component; and
- a single-action ordering component including:
- a data storage medium storing information for a plurality of users;
- a receiving component for receiving requests to order an item, a request including an indication of one of the plurality of users, the request being sent in response to only a single action being performed; and
- an order placement component that retrieves from the data storage medium information for the indicated user and that uses the retrieved information to place an order for the indicated user for the item; and
- an order fulfillment component that completes a purchase of the item in accordance with the order placed by the single-action ordering component.
10. The server system of claim 9 wherein the request is sent by a client system in response to a single action being performed.11. A method for ordering an item using a client system, the method comprising:
- displaying information identifying the item and displaying an indication of a single action that is to be performed to order the identified item; and
- in response to only the indicated single action being performed, sending to a server system a request to order the identified item
- whereby the item is ordered independently of a shopping cart model and the order is fulfilled to complete a purchase of the item.
12. The method of claim 11 wherein the server system uses an identifier sent along with the request to identify additional information needed to generate an order for the item.13. The method of claim 12 wherein the identifier identifies the client system and the server system provides the identifier to the client system.
14. The method of claim 11 wherein the client system and server system communicate via the Internet.
15. The method of claim 11 wherein the displaying includes displaying an HTML document provided by the server system.
16. The method of claim 11 including sending from the server system to the client system a confirmation that the order was generated.
17. The method of claim 11 wherein the single action is clicking a mouse button when a cursor is positioned over a predefined area of the displayed information.
18. The method of claim 11 wherein the single action is a sound generated by a user.
19. The method of claim 11 wherein the single action is selection using a television remote control.
20. The method of claim 11 wherein the single action is depressing of a key on a key pad.
21. The method of claim 11 wherein the single action is selecting using a pointing device.
22. The method of claim 11 wherein the single action is selection of a displayed indication.
23. The method of claim 11 wherein the displaying includes displaying partial information supplied by the server system as to the identity of a user of the client system.
24. The method of claim 11 wherein the displaying includes displaying partial shipping information supplied by the server system.
25. The method of claim 11 wherein the displaying includes displaying partial payment information supplied by the server system.
26. The method of claim 11 wherein the displaying includes displaying a moniker identifying a shipping address for the customer.