System, method and article of manufacture for secure network electronic payment and credit collection

• US 20030004894A1
• Filed: 09/03/2002
• Published: 01/02/2003
• Est. Priority Date: 04/26/1996
• Status: Abandoned Application

• Current Assignee: Hewlett-Packard Development Company, L.P. (HP Inc.)
• Original Assignee: Hewlett-Packard Development Company, L.P. (HP Inc.)
• Inventors: Rowney, Kevin T. B., Nadig, Deepak
• Application Number:
  US10/233,762
• Publication Number:
  US 20030004894A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/321 involving a third party or a trusted authority
• CPC Class Codes: H04L 9/3263 involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements network architectures or network communication protocols for supporting authentication of entities using certificates in a packet data network H04L63/0823
• CPC Class Codes: H04L 9/3271 using challenge-response

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 data from the merchant computer system to a payment gateway computer system. The payment gateway system evaluates the information and returns authorization or denial of credit via a secure transmission to the merchant which is communicated to the customer by the merchant.

Claims

1. A method for initiating secure communication between a first and a second computer connected to a network for receiving and transmitting payment information, comprising the steps of:

(a) establishing a communication between said first and said second computer via said network;

(b) identifying an encryption procedure and a decryption procedure utilized by said first and said second computer;

(c) transmitting encrypted payment information from said first computer to said second computer;

(d) receiving said encrypted payment information at said second computer and decrypting the payment information utilizing the decryption procedure; and

(e) repackaging said payment information to comply with a third party secure protocol for further payment processing.

2. The method as recited in claim 1, including the step of utilizing the Internet for transmitting information between said first and said second computer systems.

3. The method as recited in claim 1, including the step of transmitting from the second computer system to a third computer system for authorizing or denying credit in the payment processing.

4. The method as recited in claim 1, wherein the secure third party protocol is a Secure Electronic Transaction protocol.

5. A method for initiating secure communication between a first and a second computer connected to a network for receiving and transmitting payment information, comprising the steps of:

(a) obtaining client information for use in said secure communication between a first and a second computer;

(b) establishing a communication between said first and said second computer via said network; and

(c) repackaging said payment information to comply with a third party secure protocol for further payment processing.

6. The method as recited in claim 5, including:

(d) transmitting encrypted payment information from said first computer to said second computer;

(e) receiving said encrypted payment information at said second computer and decrypting the payment information utilizing the decryption procedure; and

(f) performing further payment processing on said decrypted information.

7. The method as recited in claim 5, wherein said client information is obtained via a telephone, fax machine or electronic mail.

8. The method as recited in claim 5, wherein an electronic signature is utilized to authenticate payment processing.

9. The method as recited in claim 7, wherein said client information is obtained via a secure general purpose protocol.

10. The method as recited in claim 5, further comprises reversing previous payment transactions.

11. Apparatus for initiating payment in a computer under the control of software with an attached display and an input device connected to a network for receiving and transmitting network information, comprising:

(a) means for establishing a communication between said first and said second computer via said network;

(b) means for identifying an encryption procedure and a decryption procedure utilized by said first and said second computer;

(c) means for transmitting encrypted payment information from said first computer to said second computer;

(d) means for receiving said encrypted payment information at said second computer and decrypting the payment information utilizing the decryption procedure; and

(e) means for repackaging said payment information to comply with a Secure Electronic Transaction protocol for further payment processing.

12. The apparatus as recited in claim 11, including means for utilizing the Internet for transmitting information between said first and said second computer systems.

13. The apparatus as recited in claim 12, including means for transmitting from the second computer system to a third computer system for authorizing or denying credit in the payment processing.

16. A computer program embodied on a computer-readable medium as recited in claim 15, wherein said secure protocol is a Secure Electronic Transaction protocol.

17. A computer program embodied on a computer-readable medium as recited in claim 15, wherein said secure protocol is a Secure Transaction Technology protocol.

18. A computer program embodied on a computer-readable medium as recited in claim 15, wherein said secure protocol is a Secure Electronic Payments Protocol.

19. A computer program embodied on a computer-readable medium as recited in claim 15, wherein said information includes payment administration information.

14. An apparatus for initiating secure communication between a first and a second computer connected to a network for receiving and transmitting payment information, comprising:

(a) communication hardware utilized by a client to communicate information for use in said secure communication between a first and a second computer;

(b) a computer under the control of software which establishes secure communication between said first and said second computer via said network; and

(c) a computer under the control of software which repackages said payment information to comply with a third party secure protocol for further payment processing.

15. A computer program embodied on a computer-readable medium for effecting purchase transactions by a customer system at a merchant system and effecting payment for said transactions by a payment system, comprising:

(a) a code segment for controlling secure communication of a purchase request from said customer system to said merchant system, including providing payment information from said customer system to said merchant system;

(b) a code segment for controlling secure processing of said payment information by said merchant system to generate a payment authorization request and securely transmit said payment authorization request from said merchant system to said payment system;

(c) a code segment for controlling the secure processing of said payment authorization request by said payment system to generate a payment authorization response authorizing said purchase and securely transmit said payment authorization response to said merchant system pursuant to which said merchant system fills said purchase request;

(d) a code segment for controlling the secure processing of said payment authorization response by said merchant system to generate a payment capture request and securely transmit said payment capture request to said payment system;

(e) a code segment for controlling the secure processing of said payment capture request by said payment system to generate a payment capture response authorizing payment and transmit said payment capture response to said merchant system; and

(f) a code segment for controlling the secure processing of said payment capture response by said merchant system to effect payment to the merchant system for filling said purchase request.

20. A computer program embodied on a computer-readable medium for initiating payment in a computer under the control of software with an attached display and an input device connected to a network for receiving and transmitting network information, comprising:

(a) a code segment for establishing a communication between said first and said second computer via said network;

(b) a code segment for identifying an encryption procedure and a decryption procedure utilized by said first and said second computer;

(c) a code segment for transmitting encrypted payment information from said first computer to said second computer;

(d) a code segment for receiving said encrypted payment information at said second computer and decrypting the payment information utilizing the decryption procedure; and

(e) a code segment for repackaging said payment information to comply with a secure protocol for further payment processing.

21. A computer program embodied on a computer-readable medium for effecting purchase transactions by a merchant computer system and payment for said transactions by a payment computer system, comprising:

(a) a code segment controlling communication between said customer and said merchant computer system for effecting purchase requests, including providing payment information from said customer to said merchant computer system; and

(b) a code segment controlling secure communication between said merchant computer system and said payment computer system for effecting operation on said payment information by said merchant computer systems to obtain administration information from said payment computer system to said merchant computer system pursuant to which said merchant computer system completes said purchase request.