WO1997049052A3 - A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture - Google Patents

A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture Download PDF

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Publication number
WO1997049052A3
WO1997049052A3 PCT/US1997/010518 US9710518W WO9749052A3 WO 1997049052 A3 WO1997049052 A3 WO 1997049052A3 US 9710518 W US9710518 W US 9710518W WO 9749052 A3 WO9749052 A3 WO 9749052A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
payment
computer system
architecture
gateway
Prior art date
Application number
PCT/US1997/010518
Other languages
French (fr)
Other versions
WO1997049052A2 (en
Inventor
Trong Nguyen
Daniel R Haller
Glenn A Kramer
Original Assignee
Verifone Inc
Trong Nguyen
Daniel R Haller
Glenn A Kramer
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US08/664,633 external-priority patent/US6072870A/en
Priority claimed from US08/668,118 external-priority patent/US5812668A/en
Priority claimed from US08/668,011 external-priority patent/US6002767A/en
Application filed by Verifone Inc, Trong Nguyen, Daniel R Haller, Glenn A Kramer filed Critical Verifone Inc
Priority to AU33992/97A priority Critical patent/AU3399297A/en
Publication of WO1997049052A2 publication Critical patent/WO1997049052A2/en
Publication of WO1997049052A3 publication Critical patent/WO1997049052A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Abstract

Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer computer system to a merchant computer system, and for the further secure transmission of payment information from the merchant computer system to a payment gateway computer system. The payment gateway system formats transaction information appropriately and transmits the transaction to the particular host legacy system. The host legacy system evaluates the payment information and returns a level of authorization of credit to the gateway which packages the information to form a secure transaction which is transmitted to the merchant which is in turn communicated to the customer by the merchant. The merchant can then determine whether to accept the payment instrument tendered or deny credit and require another payment instrument. An architecture that provides support for additional message types that are value-added extensions to the basic SET protocol, is provided by a preferred embodiment of the invention.
PCT/US1997/010518 1996-06-17 1997-06-17 A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture WO1997049052A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU33992/97A AU3399297A (en) 1996-06-17 1997-06-17 A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US08/664,633 US6072870A (en) 1996-06-17 1996-06-17 System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
US08/668,118 US5812668A (en) 1996-06-17 1996-06-17 System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture
US08/668,011 1996-06-17
US08/668,118 1996-06-17
US08/668,011 US6002767A (en) 1996-06-17 1996-06-17 System, method and article of manufacture for a modular gateway server architecture
US08/664,633 1996-06-17

Publications (2)

Publication Number Publication Date
WO1997049052A2 WO1997049052A2 (en) 1997-12-24
WO1997049052A3 true WO1997049052A3 (en) 1998-02-05

Family

ID=27418112

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/010518 WO1997049052A2 (en) 1996-06-17 1997-06-17 A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture

Country Status (2)

Country Link
AU (1) AU3399297A (en)
WO (1) WO1997049052A2 (en)

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6160874A (en) * 1997-10-21 2000-12-12 Mci Communications Corporation Validation gateway
CA2319004A1 (en) * 1998-01-26 1999-08-12 Unif/X Inc. A transaction execution system interface and enterprise system architecture thereof
US8046305B1 (en) * 1999-09-24 2011-10-25 Elavon, Inc. Gateway to transaction processing network
US7778934B2 (en) * 2000-04-17 2010-08-17 Verisign, Inc. Authenticated payment
US8489742B2 (en) 2002-10-10 2013-07-16 Convergys Information Management Group, Inc. System and method for work management
US8577795B2 (en) 2002-10-10 2013-11-05 Convergys Information Management Group, Inc. System and method for revenue and authorization management
US7668093B1 (en) 2004-08-05 2010-02-23 Convergys Information Management Group, Inc. Architecture for balancing workload
US7590980B1 (en) 2004-06-14 2009-09-15 Convergys Cmg Utah, Inc. System and method for a functional extensibility framework
CN108492076B (en) * 2018-02-07 2021-05-14 南通市公共资源交易中心 Remote bid evaluation management method, management system and management equipment

Citations (6)

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Publication number Priority date Publication date Assignee Title
WO1991009370A1 (en) * 1989-12-08 1991-06-27 Online Resources & Communications Corporation Method and system for remote delivery of retail banking services
EP0501697A2 (en) * 1991-02-27 1992-09-02 AT&T Corp. Mediation of transactions by a communications system
EP0618539A1 (en) * 1992-09-18 1994-10-05 KIM, Soon Ik Method for providing service on credit utilizing telephone lines
WO1995012269A1 (en) * 1993-10-26 1995-05-04 Visa International Service Assocation An adaptive communication system within a transaction card network
EP0658862A2 (en) * 1993-12-14 1995-06-21 AT&T Corp. Method and system for mediating transactions that use portable smart cards
WO1996013013A1 (en) * 1994-10-24 1996-05-02 Open Market, Inc. Network sales system

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1991009370A1 (en) * 1989-12-08 1991-06-27 Online Resources & Communications Corporation Method and system for remote delivery of retail banking services
EP0501697A2 (en) * 1991-02-27 1992-09-02 AT&T Corp. Mediation of transactions by a communications system
EP0618539A1 (en) * 1992-09-18 1994-10-05 KIM, Soon Ik Method for providing service on credit utilizing telephone lines
WO1995012269A1 (en) * 1993-10-26 1995-05-04 Visa International Service Assocation An adaptive communication system within a transaction card network
EP0658862A2 (en) * 1993-12-14 1995-06-21 AT&T Corp. Method and system for mediating transactions that use portable smart cards
WO1996013013A1 (en) * 1994-10-24 1996-05-02 Open Market, Inc. Network sales system

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
BELLARE M ET AL: "IKP - A FAMILY OF SECURE ELECTRONIC PAYMENT PROTOCOLS", PROCEEDINGS OF THE USENIX WORKSHOP OF ELECTRONIC COMMERCE, 11 July 1995 (1995-07-11), pages 89 - 106, XP000579445 *
GIFFORD D K ET AL: "PAYMENT SWITCHES FOR OPEN NETWORKS", DIGEST OF PAPERS OF THE COMPUTER SOCIETY COMPUTER CONFERENCE (SPRING) COMPCON, TECHNOLOGIES FOR THE INFORMATION SUPERHIGHWAY SAN FRANCISCO, MAR. 5 - 9, 1995, no. CONF. 40, 5 March 1995 (1995-03-05), INSTITUTE OF ELECTRICAL AND ELECTRONICS ENGINEERS, pages 26 - 31, XP000577008 *

Also Published As

Publication number Publication date
WO1997049052A2 (en) 1997-12-24
AU3399297A (en) 1998-01-07

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