Digital active advertising

1. An open network sales system providing for real-time authorization of purchase transactions, comprising:

a plurality of buyer computers; and

a plurality of merchant computers;

the plurality of buyer computers and the plurality of merchant computers being interconnected by a public packet switched communications network;

each of the buyer computers being programmed to transmit a purchase message, in response to a user request, over the public packet switched communications network to at least one of the merchant computers and to cause a payment request, comprising a payment amount, to be transmitted over the public packet switched communications network into a payment system, in order to initiate generation by the payment system of an authorization message authorizing purchase of a product having real monetary value;

at least one of the merchant computers being programmed to receive at least one of the purchase message and the authorization message, and to cause the product to be sent to a party conditioned on the purchase transaction having been authorized in real time, based on an external credit card account or an external demand deposit account having sufficient credit or funds of real monetary value available to a principal making the payment, without the merchant computer receiving the number of the external credit card account or the number of the external demand deposit account;

the at least one message received by the merchant computer comprising at least one digital signature of components that include components derived from the at least one message, at least one of which digital signatures protects the at least one message from forgery, including authenticating an identity of an originator of the at least one message, and at least one of which digital signatures is computed based on a secret key specific to the payment system;

the at least one message received by the merchant computer being configured such that the merchant computer cannot compute therefrom the number of the external credit card account or of the external demand deposit account.

2. The network sales system of claim 1 wherein:

at least one of the plurality of merchant computers is programmed to store digital advertisements in a database;

each one of the buyer computers is programmed to receive a user inquiry at one of the buyer computers and, in response to the user inquiry, to select one of the merchant computers and to transmit a network request thereto over the public packet switched communications network;

at least one of the merchant computers is programmed to cause one of the digital advertisements to be communicated to the one of the buyer computers over the public packet switched communications network in response to the network request from the buyer computer;

the one of the buyer computers is programmed to display the one of the digital advertisements, and

the product having real monetary value is advertised in the one of the digital advertisements.

3. The network sales system of claim 1 wherein the payment system comprises a financial authorization network external to the public packet switched communications network programmed to authorize the purchase transaction in real time.

4. The network sales system of claim 1 wherein the one of the buyer computers is programmed to cause the payment request to be transmitted into the payment system in order to initiate recordation of information pertaining to the payment request and an authorization to be recorded.

5. The network sales system of claim 4 wherein the information pertaining to the payment request and the authorization is recorded in a settlement database.

6. The network sales system of claim 1 wherein:

at least one of the digital signatures protects the at least one message received by the merchant computer from replay attack; and

the one of the merchant computers is programmed to cause the product to be sent conditioned on the at least one message received by the merchant computer not being a replay of a message previously transmitted over the public packet switched communications network.

7. The network sales system of claim 1 wherein each of the buyer computers is programmed to transmit the purchase message to at least one of the merchant computers before the payment request is transmitted into the payment system.

8. The network sales system of claim 1 wherein each of the buyer computers is programmed to transmit the purchase message to at least one of the merchant computers after the payment request is transmitted into the payment system.

9. A method of effecting sales over a network sales system comprising a plurality of buyer computers and a plurality of merchant computers interconnected by a public packet switched communications network, the method providing for real-time authorization of purchase transactions and comprising the steps of:

in response to a user request, transmitting over the public packet switched communications network from one of the buyer computers to one of the merchant computers a purchase message, and causing a payment request, comprising a payment amount, to be transmitted over the public packet switched communications network into a payment system, in order to initiate generation by the payment system of an authorization message authorizing purchase of a product having real monetary value; and

receiving at least one of the purchase message and the authorization message at one of the merchant computers, and causing the product to be sent to a party conditioned on the purchase transaction having been authorized in real time, based on an external credit card account or an external demand deposit account having sufficient credit or funds of real monetary value available to a principal making the payment, without the merchant computer receiving the number of the external credit card account or the number of the external demand deposit account;

the at least one message received by the merchant computer comprising at least one digital signature of components that include components derived from the at least one message, at least one of which digital signatures protects the at least one message from forgery, including authenticating an identity of the payment system as an originator of the at least one message, and at least one of which digital signatures is computed based on a secret key specific to the payment system;

the at least one message received by the merchant computer being configured such that the merchant computer cannot compute therefrom the number of the external credit card account or the external demand deposit account.

10. An open network sales system providing for real-time authorization of purchase transactions, comprising:

a plurality of buyer computers; and

a plurality of merchant computers;

the plurality of buyer computers and the plurality of merchant computers being interconnected by a public packet switched communications network;

at least one of the buyer computers being programmed to receive a user inquiry and, in response to the user inquiry, to select at least one of the merchant computers and to transmit a network request thereto as at least one message over the public packet switched communications network;

at least one of the merchant computers being programmed to cause a digital advertisement to be communicated to the one of the buyer computers in at least one message over the public packet switched communications network in response to the network request from the buyer computer;

the one of the buyer computers being programmed to display the digital advertisement, and, in response to a user request, to transmit a purchase request to at least one of the merchant computers as at least one message over the public packet switched communications network;

at least one of the merchant computers being programmed to receive the purchase request, to cause the product to be sent to a party conditioned on the purchase transaction having been authorized in real time by a financial authorization network external to the public packet switched communications network based on an external credit card account or an external demand deposit account having sufficient credit or funds of real monetary value available to a principal making the payment, and to cause a fulfillment response to be sent to the buyer computer as at least one message over the public packet switched communications network;

at least one of the messages transmitted between the buyer computer and the merchant computer over the public packet switched communications network comprising at least one encrypted digest computed from components that include components derived from the message, at least one of which encrypted digests protects components of the message from forgery, at least one of which encrypted digests authenticates one of a plurality of principles as an originator of components of the message, at least one of which encrypted digests protects the message from all replay attacks that result in loss of value, and at least one of which encrypted digests is verified using a principal-specific public key.

11. A method of effecting sales over a network sales system comprising a plurality of buyer computers and a plurality of merchant computers interconnected by a public packet switched communications network, the method providing for real-time authorization of purchase transactions and comprising the steps of:

receiving a user inquiry at a buyer computer, and, in response to the user inquiry, selecting at least one of the merchant computers and transmitting a network request thereto as at least one message over the public packet switched communications network;

causing a digital advertisement to be communicated to the one of the buyer computers in at least one message over the public packet switched communications network in response to the network request from the buyer computer;

displaying the digital advertisement at the buyer computer, and, in response to a user request, transmitting a purchase request to at least one of the merchant computers as at least one message over the public packet switched communications network;

receiving the purchase request at one of the merchant computers, causing the product to be sent to a party conditioned on the purchase transaction having been authorized in real time by a financial authorization network external to the public packet switched communications network based on an external credit card account or an external demand deposit account having sufficient credit or funds of real monetary value available to a principal making the payment, and causing a fulfillment response to be sent to the buyer computer as at least one message over the public packet switched communications network;

at least one of the messages transmitted between the buyer computer and the merchant computer over the public packet switched communications network comprising at least one encrypted digest computed from components that include components derived from the message, at least one of which encrypted digests protects components of the message from forgery, at least one of which encrypted digests authenticates one of a plurality of principles as an originator of components of the message, at least one of which encrypted digests protects the message from all replay attacks that result in loss of value, and at least one of which encrypted digests is verified using a principal-specific public key.

12. The network sales system of claim 1 wherein the buyer computer is programmed to cause the payment request to be transmitted into the payment system by transmitting the payment request directly into the payment system.