Web-based payment system and method
First Claim
1. A payment processing system, comprising:
- a host computer system configured to receive payment information via a network from a client computer;
a data storage arrangement configured to store the payment information; and
a settlement engine configured to;
receive payment information from the host computer system;
initiate payment processing by transmitting a file comprising at least a portion of the payment information to a financial institution; and
transmit a message to a client computing system, the message comprising at least a portion of the payment information.
3 Assignments
0 Petitions
Accused Products
Abstract
A payment processing method comprises receiving at a host computer system payment information from a client computer, wherein the payment information relates to a payment from a consumer. The method further comprises verifying at least a portion of the payment information and storing at least a portion of the payment information in a database. The method further comprises transmitting a first electronic file comprising at least a portion of the payment information to a financial institution, thereby initiating processing of the payment and transmitting a second electronic file comprises at least a portion of the payment information to a client computing system. The method also comprises responding to a request for historical information by transmitting to a user computer system a third electronic file comprising at least a portion of the payment information.
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Citations
25 Claims
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1. A payment processing system, comprising:
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a host computer system configured to receive payment information via a network from a client computer;
a data storage arrangement configured to store the payment information; and
a settlement engine configured to;
receive payment information from the host computer system;
initiate payment processing by transmitting a file comprising at least a portion of the payment information to a financial institution; and
transmit a message to a client computing system, the message comprising at least a portion of the payment information. - View Dependent Claims (2, 3, 4, 5)
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6. A payment processing method, comprising:
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receiving at a host computer system payment information from a client computer, wherein the payment information relates to a payment from a consumer;
verifying at least a portion of the payment information;
storing at least a portion of the payment information in a database;
transmitting a first electronic file comprising at least a portion of the payment information to a financial institution, thereby initiating processing of the payment;
transmitting a second electronic file comprises at least a portion of the payment information to a client computing system; and
responding to a request for historical information by transmitting to a user computer system a third electronic file comprising at least a portion of the payment information. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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Specification