DE10048841A1 - Electronic trading system for Internet has united payment gateway with transaction solutions for several secondary payment gateways - Google Patents

Abstract

The financial institutions (51,52,53) receive a payment authorization request and the data of the purchasing order of the secondary payment gateway devices (31,32,33). The financial institutions decide whether the payment authorization request is met or rejected and a payment authorization response is transferred to a united payment gateway device (30). An Independent claim is also included for an electronic trading system pursuing method.

Description

BACKGROUND OF THE INVENTION (a) Field of the Invention

The present invention relates to an electronic cal trading system and a method for operating the elek tronic trading system and in particular on an electronic trading system, which network environments between Traders and financial institutions improved when electronic Trade transactions of goods or services through the Internet can be made.

(b) Description of the related art

Since computer networks such. B. ver the Internet worldwide are spreading, electronic trading systems were on the The basis of such networks developed considerably. Internetge Supported electronic commerce has many advantages for connected to the customer and the dealer, insofar as the customer en can buy goods or services that he does at home would like to acquire, and the merchant goods or services can sell without material or real facilities. Internet-based electronic commerce is also included associated with some problems in that private information the buyer can get outside and security in one Commercial transaction cannot be guaranteed. In particular especially if the buyer for the goods to be ordered or Services using payment instruments such as B. a credit card or bank transfer To make payment, it is necessary that the Zah equalization between the merchant and the credit card company company or bank is carried out effectively.

Fig. 1 is a flowchart of an electronic trading transaction over the Internet according to a prior art;

As shown in FIG. 1, the electronic trading transaction is carried out via a customer, a dealer 2 , a payment gateway or a payment transfer device 3 , a value-added service network (VAN) 4 and a financial institution 5 .

The dealer 2 has a homepage on the Internet, where goods or services to be sold are listed. The payment gateway 3 forwards a TCP / IP network, which is a protocol, over the Internet to the VAN for payment settlement. Several payment transfer devices can be provided for this purpose, although they differ in the service fee, the payment date of the service fee or the affiliated financial institutions. VAN 4 is a body or legal person or system that is linked to numerous financial institutions, while connecting the network of financial institutions to the dealer. The financial institution 5 is a credit card company or a bank that maintains an account with the customer 1 .

In operation, as shown in Fig. 1, the Kun de 1 connects to the main computer or server of the dealer 2 via the Internet while he controls the web browser on his own personal computer, and reads the dealer’s homepage 2 on the web browser, and makes a purchase request for the goods or services to be ordered while giving credit card information, payment compensation information, and information about the items to be ordered (S1).

The merchant 2 requests a payment authorization against the payment transfer device 3 while the received customer information is transmitted there. At this time, the merchant 2 is connected to the payment gateway 3 via the TCP / IP network.

If the payment instrument is a credit card, the payment transfer device 3 transmits the payment authorization request based on the credit card to VAN 4 (S3). VAN 4 differentiates the financial institution with the payment responsibility for the customer and transmits the payment authorization request to the relevant financial institution 5 (S4).

The financial institution 5 forwards a payment authorization response back to the VAN 4 (S5), which in turn forwards the response back to the payment transfer facility 3 (S6).

The payment transfer device 3 transmits the payment authorization response to the merchant 2 (S7). If the payment authorization is granted, the dealer 2 initiates a transaction with the customer 1 .

The dealer 2 sends an acknowledgment of receipt to the customer 1 via electronic mail or normal mail (S8) and requests payment for the transaction to the VAN 4 via the payment transfer device 3 (S9). VAN 4 transmits the transaction payment request to the relevant financial institution 5 (S10).

The financial institution 5 makes a payment for the transaction to the dealer 2 or to the payment transfer device 3 . In the latter case, the payment transfer device 3 subtracts the service fee from the payment amount and sends the remaining amount to the merchant 2 (S11-1). If the dealer 2 receives the payment amount from the financial institution 5 directly, the dealer 2 makes a payment for the service fee to the payment transfer device 3 (S11-2).

The financial institution 5 then requests payment for the transaction to the customer 1 (S12), and the customer 1 inputs the payment amount into the financial institution 5 while the electronic trading transaction is ended (S13).

In the above operating procedures, the operating procedures are now relationships between the merchant and the payment transfer direction described with the associated problems.

Payment transfer facilities differ in the service fee, the payment date for the service fee or the affiliated financial institutions. Since the customer-authorized financial institution does business with numerous payment gateways, merchant 2 should also be connected to numerous payment gateways to conduct a multi-customer transaction over the Internet. Each payment gateway also individually provides an application-to-protocol interface (API) that forms an interface between the warehouse and the payment gateway, and the merchant creates transaction solutions using the APIs. Since the APIs differ for each payment transfer facility, there are many problems for the merchant when creating and managing transaction solutions and a homepage.

FIG. 2 illustrates the steps for executing the internet-based electronic trading transaction shown in FIG. 1, where the customer receives an API from the payment transfer device and uses it.

The trader 2 is lungsüberleiteinrichtung via the TCP / IP network with the Zah 3 and the processing Zahlungsüberleiteinrich 3 via the coded TCP / IP network or an exclusive line to the network of financial institutions connected. The payment transfer device 3 delivers the API to the merchant 2 in the form of a program library, so that the merchant can call up and use the API when creating programs. As shown in Fig. 2, a transaction solution is executed on the merchant homepage and the API is called into the transaction solution library.

However, the above operating procedures involve some problems. If e.g. B. the merchant 2 creates the solution using the API delivered by the payment gateway 3, the time required to create the solution becomes too long. Moreover, it is difficult to come up with a solution that is well adapted to the circumstances related to the dealer.

In contrast, if the payment transfer device 3 or a third party delivers such a solution to the merchant 2 , the cost burden for introducing the solution becomes too heavy for the merchant. Furthermore, since the merchant 2 is served by numerous payment transfer devices, he should introduce a suitable solution for each payment transfer device and control various solutions for each transaction. In addition, since the APIs are delivered to merchant 2 through the payment gateway, it becomes difficult to quickly expand and improve the functionality of the solution attributed to merchant 2 .

In the circumstances of an international electronic Trade transaction exist simultaneously between the Zah transfer gateway and the dealer various pro bleme.  

Fig. 3 is a flowchart of an international electronic trading transaction according to another prior art;

As shown in FIG. 3, the customer 1 of the A country connects to a dealer 2 of the B country via the Internet and buys the desired goods from the dealer 2 . The payment authorization and the compensation are set up between a payment transfer facility 3 of the B country, a VAN 4 of the B country, a financial institution 5 of the B country and another financial institution 6 of the A country.

The customer 1 of the A-country connects to the server of the dealer 2 of the B-country via the Internet using a web browser on his personal computer and reads the form of a purchase order on the dealer's homepage. The customer 1 then fills out the purchase order form with credit card information, compensation information and information about articles to be ordered, whereby a purchase of the desired goods is requested (S21).

The dealer 2 of the B country requests a payment authorization to the payment transfer facility 3 of the B country (S22). At this time, the computer system of the merchant 2 of the B-country is connected to the payment gateway 3 of the B-country via the TCP / IP network.

If the payment instrument for the transaction is a credit card, the payment transfer device 3 of the B country then requests the credit card-based payment authorization vis-à-vis the VAN 4 of the B country (S23). The VAN 4 of the B country, which is connected to the computer networks of financial institutions in the A and B countries, differentiates the financial institution with responsibility for payment for the customer 1 and transfers the payment authorization request to the relevant financial institution 6 in the A country (S24 ).

The financial institution 6 of the A country decides whether the payment authorization request of the customer 1 of the A country is fulfilled or rejected, and returns a payment authorization response to the VAN 4 of the B country (S25).

The VAN 4 of the B country in turn forwards the payment authorization response back to the payment transfer device 3 of the B country (S26). The payment transfer device 3 of the B country sends the received payment authorization response to the merchant 2 of the B country (S27).

If it turns out that the answer given the requested Zah development to authorization, the dealer leads 2 of the B-state a transaction with the customer, one of the A-country through and det sen via electronic mail or regular mail a receipt confirmation to the customer one of the A -Landes (S28).

The merchant 2 of the B country requests a payment for the transaction to the payment transfer facility 3 of the B country (S29).

The payment transfer device of the B country transfers the payment compensation request to VAN 4 of the B country (S30), which in turn transfers the request to financial institution 5 of the B country (S31).

After receiving the payment compensation request, the financial institution 5 of the B country makes a payment for the transaction to the payment transfer facility 3 of the B country or directly to the dealer 2 of the B country (S32-1, S32-2).

If the Zahlungsüberleiteinrichtung 3 of the B country receives the payment amount, subtracts the Zahlungsüberleitein direction 3, the service fee from the amount and sends the remaining amount to the dealer 2 of the B-country currency rend a payment for the service fee to the VAN done the B country becomes. In contrast, the Händ If the B country receives directly ler 2 of the B-state the payment amount from the financial institution 5, making the dealer 2 payment for the service fee to the payment About guide 3 of the B-state and the VAN 4 of B- Country.

After a payment has been made for the transaction, the financial institution 5 of the B country requests compensation for the payment amount to the financial institution 6 of the A country with responsibility for payment for the customer 1 of the A country (S33).

The financial institution 6 of the A country carries out a settlement for the payment amount to the financial institution 5 of the B country (S34).

Thereafter, the financial institution 6 of the A country requests payment for the transaction to the customer 1 of the A country (S35). The customer 1 of the A country makes a payment for the transaction to the financial institution 6 of the A country.

If the customer 1 of the A-country presents the banker 2 of the B-country with a bank transfer or a micro-payment or a micro-payment that only circulates in the B-country as the payment instrument, the dealer 2 of the B - Provides payment authorization to the B-country payment gateway, and the B-country payment gateway transfers the payment authorization request to the relevant bank or company of the B-country.

The bank or company in the B country decides whether to meet or accept the payment authorization requirement is to be rejected by searching their own database and routes the payment authorization response to the payment gateway of the B-Land. The payment transfer The B country's control center transfers the answer to the hand of the B-country. If it turns out that the answer is the number Authorization granted, sends the dealer of the B-country a receipt via the Worldwideweb or electronic mail confirmation to the customer of the A-country and leads a Transak tion with the customer.

The dealer in the B-country requests payment for the Transaction to the payment transfer facility of the B- Country.

The payment transfer facility of the B country transfers the payment compensation request to the bank or company of the B country.

The bank or the company with its own number instruments makes a payment for the transaction the payment transfer facility of the B country or directly to the dealer of the B-country.

The bank or company of the B-country demands one Compensation for the payment amount to the customer of the A- Landes directly or through the financial institution of the A-Landes. In this case, the bank or company of the B country reserve money or a reserve from the customer of the A-Land beforehand received for various purposes.

The international electronic trade transaction like The above problems are associated with the following.  

Because each country has its own banking network environment it is initially for the payment transfer device a country difficult to provide solutions that ver well adapted to different banking network environments in many countries are.

Second is the internet-based international elek tronic trade associated with a transaction form who sends the goods to foreign countries and the Zah amount is therefore imported into the home countries. It is however difficult among the current global commercial ge add such a form of transaction as a form of export detect. For example, in Korea it is required with it Sales of items to foreign countries as an export form recognized that a loan to the relevant authorities letter (L / C) or a receipt for a parcel is delivered. In the case of the international electronic It is difficult for retailers to obtain such a recognition because they are associated with annoying or difficult circumstances is. This means that the international electronic Han del does not take advantage of an attributed to the export case May include tax cuts.

SUMMARY OF THE INVENTION

It is an object of the present invention to provide an elec tronic trading system with convenient trading environments to accomplish.

Another object of the present invention is in creating an electronic trading system where a Merchants uniformly interface with the transaction numerous payment gateway solutions via the Internet creates.

Yet another object of the present invention is to create an electronic trading system that various financial environments in many countries.

These and other tasks can be done through an electronic Trading system can be achieved, which is a dealer computer system with a homepage over the internet. The home page of the dealer computer system is with a form one Provide purchase order. A customer connects to  Homepage of the dealer and fill out the form of the Kaufbe issue with the information of the purchase order while the goods or services to be ordered on the home page of the dealer. The dealer leads one Transaction with the customer, if any Payment authorization is granted to the customer. A number The transfer form provides the purchase order form to the dealer computer system in order to have uniformity there Transaction environments deliver and receives the Kaufbe position information and the payment authorization request tion from the dealer computer system. The payment transfer facility tion transmits the purchase order information and the purchase authorization request to a financial network, and that Financial network decides whether the payment authorization is fulfilled or rejected, and transfers the Payment authorization response to the payment transfer facility tung.

The financial network includes VANs, which are the payment authors and the purchase order information from the payment gateway, and financial institutions tute the payment authorization request and purchase Order information received from the VANs and the food Check the customer's saved credit information to make a decision whether the payment authorization requirement is met or is rejected. The financial institution transfers the number authorization authorization response via the VAN to the payment transfer control device.

The dealer computer system is over a TCP / IP network with the combined payment gateway in Verbin dung.

The purchase order information is in an HTML file written or based on software from the dealership written system.

The payment transfer device stores and manages the transaction information of the customer.

The trader can view the customer's transaction information as well as that of the merchant working at the payment transfer facility is saved. The payment gateway each has transaction solutions with an API module, which forms an interface with the dealer computer system,  and controls the appropriate transaction solution if one Transaction is initiated.

According to one aspect of the present invention, a Process for operating an electronic trading system the following steps. The electronic trading system is connected to a merchant computer system that goods or Services sold on a network over the Internet, and a payment gateway, which is an interface between the merchant computer system and a financial network forms.

A customer connects using a web Browser first with a homepage of the dealer computer system and fills out a form of a purchase order on the homepage of the Dealer with the information of the purchase order while payment authorization is requested. The information the purchase order and the payment authorization request is sent to a server of payment over a TCP / IP network transfer gateway. The payment transfer facility tion receives the purchase order information and the payment authorization authorization request and controls a transaction solution to the information of the purchase order well fits. The payment transfer device transfers the In formation of the purchase order and the payment authorization Financial network requirement. The financial network checks the Payment authorization request and delivers a payment authorization response to the payment gateway return The payment gateway directs a transaction with the customer when the financial network receives the payment car Risk requirement met or not if the finance network rejects the payment authorization request.

According to another aspect of the present invention contains a method for operating an electronic Trading system the following steps. The electronic Han del system is with a dealer computer system of an A-country connected to a homepage server, the goods or service services sold over the Internet, a customer computer system of a B-country that is the goods or services purchases on the retailer's homepage using a web browser, several payment transfer facilities that the service Payment transfer facilities based on a  monetary medium or a currency that carries out the numerous countries as the payment instrument.

The customer of a B-country uses the web browser Connection to a dealer system in the A-country. The customer of the B-country chooses the goods or services to be ordered services while the information of the purchase order in the homepage of the dealer of the displayed on the web browser A-Landes is entered. The customer of the B-country chooses one Payment transfer facility that un a service using a suitable monetary medium or suitable currency as the payment instrument. The selected payment gateway directs a transaction tion with the customer if a payment authorization for is given to customers. The payment transfer facility lei making a payment for the transaction to the B- Country using monetary medium or currency tion that is common there as the payment instrument.

BRIEF DESCRIPTION OF THE DRAWINGS

A more complete understanding of the invention and many the advantages associated with this are readily apparent Lich, since it is better understood by referring to the following detailed description when in verbin is considered with the accompanying drawings, in which same reference numerals the same or similar Specify components in which:

FIG. 1 is a flowchart of an e-commerce transaction over the Internet according to a prior art;

Fig. 2 illustrates the steps for executing the internet-based electronic trading transaction shown in Fig. 1, where a customer receives and uses an API from a payment gateway;

Fig. 3 is a flowchart of an international electronic trading transaction rule is nik according to another prior Tech;

Fig. 4 is a block diagram of an electronic Handelssy is stems according to a first preferred embodiment, before lying invention;

Fig. 5 is a flowchart of an electronic trading transaction based on the system shown in Fig. 4;

Figure 6 illustrates a method of performing payment settlement based on the electronic trading system shown in Figure 4;

Figure 7 illustrates another method of performing payment settlement based on the electronic trading system shown in Figure 4;

Figure 8 illustrates yet another method of performing payment settlement based on the electronic trading system shown in Figure 4; and

Fig. 9 is a block diagram of an electronic Handelssy stems according to a second preferred embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

With reference to the attached drawings be preferred embodiments of this invention explained.

Fig. 4 illustrates an electronic commerce system of the present invention to a first preferred embodiment.

As shown in FIG. 4, the electronic trading system includes a customer computer system 10 , a merchant computer system 20 , a unified payment gateway 30 , sub-payment gateways 31 , 32 and 33 , VANs 41 , 42 and 43 and financial institutions 51 , 52 and 53 .

The customer is a person or legal entity that wants to buy goods or services over the Internet as a client, and the dealer is a person or legal person who has a homepage for selling goods or services over the Internet as a service provider. As shown in FIG. 4, the customer computer system 10 uses a web browser to place over the Internet such as. B. an Internet Explorer, Navigator and Mobile Explorer connect to the homepage of the dealer computer system 20 .

The home page of merchant computer system 20 is provided with a purchase order form that is provided by the payment gateway. The purchase order form is written in a hypertext labeling (HTML) language or written on the basis of the software provided by the united payment gateway. Because the purchase order form is written in HTML, it can easily be changed to the form acceptable to the merchant computer system 20 .

The unified payment gateway 30 unites numerous different sub-payment gateways to form a network while carrying a transaction solution with an API per each payment gateway. The API is a program library that is provided by the secondary payment gateway. The combined payment gateway 30 can each have separate transaction solutions with the API of each secondary payment gateway or a transaction solution with the APIs of all secondary payment gateways. If a merchant is connected to such a combined payment gateway, the merchant can be served by the plurality of secondary payment gateways. In this way, the trader can be embedded in uniform electronic trading environments. The combined payment transfer device 30 , the merchant computer system 20 and the secondary payment transfer devices 31 , 32 and 33 are connected to one another using a TCP / IP protocol.

The secondary payment transfer devices 31 , 32 and 33 differ in the payment instrument, the service charge, the affiliated financial institution or payment date for the service charge and are connected to the combined payment transfer device 30 .

VANs 41 , 42 and 43 are companies or systems that connect the network of financial institutions to the payment gateway, and financial institutions 51 , 52 and 53 are banks or credit card companies that are responsible for payment to the customer.

FIG. 5 is a flowchart of an electronic trading transaction based on the system shown in FIG. 4.

The customer who wants to buy goods or services via electronic commerce controls a web browser on a personal computer or a mobile communication device (S101) and connects via the Internet to the homepage of the dealer computer system 20 (S102). When the URL of the dealer's homepage is entered in the web browser, the web browser connects to the dealer's server and downloads the character and image data stored on the dealer's server, which displays the data on it ( S103).

The home page of the merchant computer system 20 is not associated with any transaction solution that traditionally existed on the merchant's home page as an application program for a trade transaction, but has a purchase order form provided by the united payment gateway 30 . Because the purchase order form is written in HTML, the dealer can easily modify or repair the form if necessary. The customer fills the purchase order form with the information about the purchase order, such as B. the articles to be ordered, name and credit card information and transmits them to the combined payment gateway 30 while a payment authorization is requested (S104).

After receiving the information of the purchase order and the payment authorization request from the customer's computer system 10 , the combined payment transfer device 30 selects a suitable secondary payment transfer device 31 , 32 or 33 on the basis of the information from the purchase order (S105). With such a selection, the combined payment transfer device 30 decides which additional payment transfer device is advantageous for the customer with regard to the service fee, the payment date of the service fee or the amount of the fee of the affiliated financial institution.

The combined payment transfer device 30 then controls the transaction solution with the API, which was delivered by the selected secondary payment transfer device 31 , 32 or 33 (S106). The combined payment transfer device 30 can create such a transaction solution itself, or the transaction solution can be delivered from the secondary payment transfer device 31 , 32 or 33 to the combined payment transfer device 30 .

The combined payment transfer device 31 then transmits the information about the purchase order and the payment authorization request to the financial institution 51 , 52 or 53 via the VAN 41 , 42 or 43 . At this time, the sub-payment gateway is the one selected by the united payment gateway, and the VAN and the financial institution are those connected to the selected sub-payment gateway.

The financial institution 51 , 52 or 53 decides on the basis of the information of the purchase order whether the payment authorization requirement is fulfilled or rejected (S107).

The financial institution 51 , 52 or 53 forwards the payment authorization response back to the united payment transfer device 30 via the VAN 41 , 42 or 43 . The combined payment gateway 30 checks the response (S108) and initiates a transaction with the customer if the financial institution 51 , 52 or 53 fulfills the payment authorization request (S109). If the financial institution 51 , 52 or 53 rejects the payment authorization request, the combined payment transfer device 30 naturally does not initiate a transaction with the customer (S110). In the case of a successful transaction, the combined payment transfer device 30 transmits the information of the transaction success to the customer's web browser and at the same time to the customer and the dealer via electronic mail. In the event of an unsuccessful transaction, the combined payment gateway 30 transmits the information about the failure of the transaction to the customer's web browser and at the same time via electronic mail to the customer and the merchant. The customer 10 confirms in the web browser or in the electronic mail whether the purchase request for the desired goods or services is satisfied (S111).

After the transaction has been initiated, the Zah settlement of the transaction in various ways be made. In one method of performing the count the financial institution makes a payment for the transaction to the dealer, and the dealer makes one  Payment of the service fee to the financial institution. In another method of making the payment the financial institution also makes a payment for Transaction to the unified payment gateway, and the merged payment gateway sends the Payment amount to the dealer, while the service area is subtracted from the amount. In yet another ver Fi carries out the payment settlement financial institution made a payment for the transaction to the secondary Payment transfer facility. The secondary payment transfer direction sends the payment amount to the combined number transfer gateway while the service fee is subtracted from the amount, and the combined payment over control device in turn sends the payment amount to the Dealer, while the service fee is subtracted from the amount is hated.

FIG. 6 illustrates a method of performing payment settlement based on the electronic trading system shown in FIG. 4.

As shown in FIG. 6, the merchant requests payment for the transaction to the financial institution 51 , 52 or 53 (S112). The financial institution 51 , 52 or 53 makes a payment for the transaction to the dealer (S113). The trader makes a payment for the service fee to the merged payment gateway 30 (S114), which in turn makes a payment for the service fee to the secondary payment gateway 31 , 32 or 33 (S115), and the financial institution makes a payment for the service fee to the VAN (S116). The financial institution 51 , 52 or 53 requests compensation for the payment amount to the customer (S117), and the customer 10 makes compensation for the payment amount to the financial institution (S118).

FIG. 7 illustrates another method of performing payment settlement based on the electronic trading system shown in FIG. 4.

As shown in FIG. 7, the merged payment gateway 30 requests payment for the transaction to the financial institution (S119), and the financial institution makes a payment for the transaction to the merged payment gateway 30 . The merged payment gateway 30 sends the payment amount to the merchant while the service fee is subtracted from the amount (S121). The combined payment gateway 30 makes a payment for the service fee to the sub-payment gateway (S122).

FIG. 8 illustrates yet another method of performing payment settlement based on the electronic trading system shown in FIG. 4.

As shown in Fig. 8, the sub-payment gateway 31 , 32 or 33 requests payment for the transaction to the financial institution (S131), and the financial institution makes payment for the transaction to the sub-payment gateway (S132). The sub-payment gateway 31 , 32 or 33 sends the payment amount to the dealer while the service fee is subtracted from the amount (S133). The secondary payment transfer device 31 , 32 or 33 makes a payment for the service fee to the combined payment transfer device (S134). The financial institution makes a payment for the service fee to the VAN (S135).

In the electronic trading system according to the first be preferred embodiment of the present invention the united payment gateway numerous Auxiliary payment transfer facilities. If the dealer goes to the United payment gateway is connected, he can therefore by the plurality of secondary payment transfer facilities are operated. As the combined payment transfer guide the transaction solutions of the majority of Ne ben payment transfer facilities can also take over the trader in convenient electronic trading environments be embedded.

Fig. 9 illustrates an electronic trading system according to a second preferred embodiment of the constricting vorlie invention.

As shown in Fig. 9, the electronic Han contains trading system, a customer computer system 110 of the B-state, a merchant computer system 120 of the A-country, a united Zah lungsüberleiteinrichtung 130, sub-Zahlungsüberleiteinrich obligations 131 to 134 in many countries and financial networks 141 to 144 of the Countries.

The dealer of the A-country has a homepage about the In ternet, which is served by a web server operating in the A-country lies. The A-country dealer sells via the Internet Goods or services.

The Zahlungsüberleiteinrichtungen 131 to 134 the number rich countries use their own monetary medium or their own currency as the payment instrument and the combined Zahlungsüberleiteinrichtung 130 is the Zahlungsüberleit facilities 131 to 134 of the plurality of connected countries. The combined payment transfer device 130 connects the payment transfer devices 131 to 134 to the merchant computer system 120 in order to provide the service of the payment transfer device there, while the monetary medium or the currency specific to the relevant countries is set up as the payment instrument.

The financial networks 141 to 144 of the countries are connected to the payment transfer devices 131 to 134 of the corresponding countries in order to settle the payments that are incurred for the electronic commercial transactions.

In operation, the customer of the B-country controls a web browser on the personal computer and enters the URL of the dealer computer system 120 of the A-country in the web browser. The web browser connects to the A-country dealer's server and receives data on the A-country dealer's homepage while displaying it on the web browser.

The home page of the A-country merchant computer system 120 is provided with a purchase order form that is provided by the payment gateway. The customer of the B-country selects the goods to be ordered from the dealer's homepage and fills out the purchase order form with the information about the purchase order. The information on the purchase order includes the items to be ordered, the address and name of the customer and a credit card information of the customer.

The customer computer system 110 of the B-country then transmits the information of the purchase order to the combined payment transfer device 130 .

The combined payment transfer device 130 selects a suitable secondary payment transfer device. The secondary payment transfer facilities differ in the payment instrument, the payment currency and the service fee. When selecting the secondary payment gateway, the merged payment gateway 130 should consider which subsidiary payment gateway is advantageous in terms of tax, service fee, payment date, service fee, and exchange rate. The unified payment gateway 130 can select the secondary payment gateway of the B country or the subsidiary payment gateway of the third country C. Depending on the secondary payment transfer facility selected, the combined payment transfer facility may profit as a result of a difference in the financial infrastructure such. B. Achieve tax, service fee and payment date of the service fee. Especially if the combined payment transfer device selects the payment transfer device 132 of the B country where the customer lives, the payment settlement is only carried out via the financial institution of the B country, so that the service fee can be reduced. In addition, since export detection can be easily performed under such a condition, the A-country trader receives a financial advantage.

After receiving the information, the purchase order, the united Zahlungsüberleiteinrichtung 130 retrieves the transaction of the selected solvent Zahlungsüberleiteinrichtung and controls to the solution. The merged payment gateway 130 has one transaction solution for each payment gateway, and each transaction solution has an API that is an interface library that is served by the payment gateway.

The combined payment transfer device 130 transmits the information of the purchase order to the financial institution of the selected payment transfer device and requests a payment authorization there.

The financial institution decides on the basis of the purchase order information and financial information whether the payment authorization request is fulfilled or rejected, and delivers the payment authorization response to the united payment gateway 130 .

The merged payment gateway 130 initiates a transaction with the customer if the financial institution grants payment authorization or does not initiate a transaction with the customer if the financial institution refuses the payment authorization. The initiation of a transaction is communicated to the customer by displaying it on the web browser or by electronic mail.

After the transaction is initiated, the A-country traders made a payment for the transaction above the selected payment transfer facility via the United payment gateway. The selected one Payment transfer facility makes a payment for the Transaction to the dealer of the A-country in his own Currency or any other currency that is there as well as for the Dealer is available. The payment transfer facility for compensates for the payment amount compared to that affiliated financial institution, and the financial institution via carries the claim of payment settlement to the customer of the B- Country. The customer of the B-country makes a payment for the Transaction to the financial institution.

In the above way, the customer can get the desired monetary System for use as the payment instrument and the ge Select the desired payment transfer facility. The dealer can complete a purchase order through a simple form Download this can be supplied on the homepage.

As described above, the invention can electronic trading system functional electronic Han create del environments.

Since the combined payment gateway numerous In addition to unified payment transfer facilities, can also the merchant through the plurality of secondary payment transfers directions are served by addressing the united number lungsüberleiteinrichtung is connected. Because the united Payment transfer facility the transaction solutions of Takes over a number of secondary payment transfer devices, the trader can use convenient electronic trading environments set up.  

Furthermore, the electronic trading system can easily adapted to the different financial environments of many countries become.

Although the present invention is described in detail with Ver the preferred embodiments have been described, Those skilled in the art will recognize that various modifications and Substitutions can be made to it without the Depart from the spirit and scope of the present invention, such as they are set out in the appended claims.

Claims (22)

1. Electronic trading system, comprising:
a dealer computer system with a homepage that is connected to a customer computer system via the Internet, the homepage of the dealer computer system being provided with a form of a purchase order, the customer connecting to the dealer homepage and the form of the purchase order with the information of the purchase order fills out while a purchase is requested for the goods or services to be ordered, the merchant initiates a transaction with the customer if a payment authorization for the customer is made in due course;
a unified payment gateway that delivers the purchase order form to the merchant computer system to create consistent transaction environments and receives the purchase order information from the merchant computer system, the unified payment gateway having multiple transaction solutions and addressing the transaction with the customer by addressing it initiates the transaction solution when the payment authorization is made for the customer;
Subsidiary payment transfer devices, which form interfaces with the transaction solutions of the combined payment transfer device, the subsidiary payment transfer device being selected by the combined payment transfer device, which is well adapted to the information of the purchase order, the selected secondary payment transfer device a payment authorization request with the information of the purchase order from the combined payment transfer device Payment transfer device receives; and
a financial network that receives the payment authorization request and the purchase order information from the sub-payment gateway, the financial network deciding whether to fulfill or reject the payment authorization request and transmit a payment authorization response to the merged payment gateway. 2. The electronic trading system of claim 1, wherein the selection of the secondary payment transfer device in such a way it is taken that the selected secondary payment transfer facility for the united payment transfer facility is advantageous, while the tax, the service area due, the exchange rate or types of services be drawn, the transaction solution through the out selected secondary payment transfer devices is delivered. 3. The electronic trading system of claim 1, wherein the financial network comprises:
VANs that receive the payment authorization request and purchase order information from the ancillary payment gateway; and
Financial institutions that receive the payment authorization request and purchase order information from the VANs, review the customer's stored credit information to decide whether the payment authorization request is met or rejected, and transmit the payment authorization response through the VANs to the ancillary payment gateway . 4. The electronic trading system of claim 1, wherein the merchant computer system with the combined payment transfer control device is connected via a TCP / IP network. 5. The electronic trading system of claim 1, wherein the information of the purchase order in an HTML file is written or based on software from the dealer computer system is written. 6. The electronic trading system of claim 1, wherein the united payment gateway the transaction stores and manages customer information. 7. The electronic trading system of claim 6, wherein the merchant looks for the customer's transaction information that saved at the combined payment gateway is. 8. The electronic trading system of claim 1, wherein the transaction solutions of the combined payment transfer each have an API that contains a program library thek is the one with the ancillary payment forms a 1-to-1 correspondence, where  the united payment gateway the transaction solution controls. 9. The electronic trading system of claim 1, wherein the combined payment gateway makes a payment for requests the transaction to the financial network if enter the transaction between the customer and the dealer tet, and after receiving the amount from the financial network Payment amount sent to the merchant while making a payment for the service fee to the relevant secondary Payment transfer facility is made. 10. The electronic trading system of claim 1, wherein the trader made a payment for the transaction to the Financial network requests when the transaction between the Customer and the dealer is initiated, and after receiving the Payment amount from the financial network a payment for the Service fee to the combined payment transfer direction and the secondary payment transfer device. 11. The electronic trading system of claim 1, wherein the information of the purchase order a payment information such as B. credit card number, bank transfer, micro-payment includes. 12. A method of operating an electronic trading system, wherein the electronic trading system comprises a merchant computer system that sells goods or services on a network via the Internet, and a unified payment gateway that interfaces between the merchant computer system and a financial network, the Procedure comprising the steps:

• a) Connect to a homepage of the dealership computer system on a customer computer system using a web browser;
• b) Completing a purchase order form on the merchant's homepage with the purchase order information on the customer computer system while requesting payment authorization;
• c) transmitting the information of the purchase order and the payment authorization request to a server of the united payment gateway via a TCP / IP network;
• d) receiving the information of a purchase order and the payment authorization request from the combined payment gateway, the combined payment gateway selecting a secondary payment gateway that is well adapted to the information of the purchase order and controlling a transaction solution of the selected secondary payment gateway;
• e) transmitting the information of a purchase order and the payment authorization request via the selected secondary payment gateway to a financial network from the combined payment gateway;
• f) checking the payment authorization request at the financial network and transmitting a payment authorization response to the combined payment gateway; and
• g) initiate a transaction with the customer at the combined payment gateway if the financial network meets the payment authorization requirement or not if the financial network rejects the payment authorization request.

13. The method of claim 12, further comprising the steps of:

• a) notification of the initiation of a transaction on the web browser connected to the merchant's homepage at the combined payment gateway; and
• b) Notification of the initiation of a transaction to the customer via electronic mail at the combined payment transfer facility.

14. The method of claim 13, further comprising the Step (j) storing the customer's transaction information at the server of the combined payment gateway. 15. The method of claim 14, further comprising the Step (k) search and check the transaction information of the Customers at the dealer while using the server of the united Payment transfer device is connected. 16. The method of claim 12, wherein the form is a Purchase order of the dealer's homepage written in HTML and is from the combined payment transfer facility of Art is delivered that the dealer uses the form of purchase position can change freely. 17. The method of claim 13, wherein the transaction solutions of the ancillary payment transfer device, which at the (d) step was selected at the combined payment  gateway are provided and each transaction onsolution has an API that is compatible with every ancillary payment gateway is supplied. 18. The method of claim 12, further comprising the step ( 1 ) requesting a service of a payment gateway from the merchant prior to the (a) step. 19. The method of claim 12, further comprising the steps of:

• a) requesting payment from the dealer to the financial network for the transaction when the transaction is initiated at the (g) step;
• b) making a payment for the transaction to the dealer at the financial network; and
• c) Make a payment for the service fee to the combined payment gateway and the secondary payment gateway at the merchant.

20. The method of claim 12, further comprising the steps of:

• a) requesting payment for the transaction to the financial network from the merged payment gateway if the transaction is initiated at the (g) step;
• b) making a payment for the transaction to the united payment gateway at the financial network; and
• c) Sending the payment amount to the merchant at the combined payment gateway, while a payment for the service fee is made to the secondary payment gateway.

21. A method of operating an electronic trading system, wherein the electronic trading system has a dealer computer system of a country with a homepage server that sells goods or services over the Internet, a customer computer system of a country that the goods or purchases services on the merchant's homepage through a web browser, a plurality of sub-payment gateways that perform the payment gateway service based on a monetary medium or currency that is common to numerous countries as the payment instrument, and one unified payment transfer device, which forms an interface with the plurality of secondary payment transfer devices, the method comprising the steps:

• a) Connect to the dealer system of the A-country via the web browser at the customer of the B-country;
• b) selecting the goods or services to be ordered from the customer of the B-country, while the information of a purchase order is entered into the homepage of the dealer of the A-country, which is displayed on the web browser;
• c) receiving the information of the purchase order from the combined payment gateway and selecting a secondary payment gateway that uses a suitable monetary medium or currency as the payment instrument;
• d) controlling a transaction solution delivered by the selected sub-payment gateway;
• e) initiating a transaction with the customer at the combined payment gateway if payment authorization is carried out for the customer; and
• f) making a payment for the transaction to the merchant of the B-country, the currency of the selected payment transfer device being used as the payment instrument.

22. The method of claim 21, wherein the minor number lungsüberleiteinrichtung that a service of Zah Transfer gateway with the currency of the B-country lei is selected at the (u) step.