The invention presents a method and system for processing the purchase of products, goods and/or services, more particularly, to a method and system for processing the purchase by a buyer of products from one or more sellers of products in an on-line real-time e-Commerce business environment where the merchant server from which the goods are purchased lacks adequate encryption security for the purchasing of the goods by credit card. The method and system also allows for the easy up-dating registration by a merchant of the items available for purchase as maintained on the Web, DB server. The invention also discloses a method and system for avoiding the hindrance of foreign exchange rates fluctuations on the payment of on-line real-time e-Commerce trading. The system provides for a splitting of a merchant server into a Web, DB server and a payment server, the payment server being located in a nation state to which a purchaser may securely transmit encrypted credit card information in order to purchase product available on websites maintained on the Web, DB server.

A method for enabling an individual, business, or other entity to exchange confidential information or to make purchases or conduct financial or other transactions over a public or quasi-public network while limiting the transmission of confidential, sensitive, financial or other information over the public or quasi-public network and limiting access to such information by unauthorized individuals. The method includes storing confidential, sensitive, financial or other information on a processing computer connected to the computer system or systems of one or more businesses or financial or other institutions by way of a private, non-public network. A first electronic message is sent from a first computer to a central network computer through transmission over the public or quasi-public network. At least a portion of the first electronic message received by the central network computer is stored on data storage or data transfer media. The data storage or data transfer media is then disconnected from the central network computer and connected to the processing computer. The processing computer reads the portion of the first electronic message stored on the data storage or data transfer media, identifies the source of the first electronic message, and accesses stored information concerning the source. Information from the first electronic message, and stored information concerning its source, can then be transmitted over the private, non-public network to the computer system or systems of one or more businesses, financial institutions, or other entities for processing.

A system and method for facilitating a customer's online enrollment in a promotional reward program by submitting account information, such as, an account code and an identification number. The method may include the steps of receiving account information, validating the account information, verifying the eligibility of the account for the program and enrolling eligible accounts. The method may be executed on a computer system including a data input device, a processing device, a display device and a database.

A recommender system employs implicit ratings generated from monitoring user interaction with an item, such as while listening to a music track on a MP3 player or reading an electronic book. A method for generating item recommendations includes: providing an item to a device having an application for engaging a repetitive activity with the provided item, wherein the repetitive activity occurs primarily during standalone operation of the device; generating a history of user interaction with the provided item, wherein user interaction includes engaging in the repetitive activity with the provided item; transforming the history of user interactions into an implicit rating of the provided item; and using the implicit rating of the provided item to generate recommendations of other items.

A method for quantifying risk of fraud associated with a purchasing card transaction includes obtaining a charge-back history associated with a consumer involved in the purchasing card transaction; and determining a risk score based on the charge-back history. In one embodiment of the invention, the step of obtaining a charge-back history includes obtaining a reason code for each charge-back included in the charge-back history.