Payment protocol and data transmission method and data transmission device for conducting payment transactions
First Claim
1. Method of carrying out a transaction on a system comprising at least one central processor platform, at least one issuer server and at least one acquirer server, wherein the central processor platform comprises a routing engine which, by way of a communication connection, is coupled to the issuer server and to the acquirer server, said method consisting of these steps:
- receiving a transaction inquiry at the acquirer server or at the server, issuer server;
routing the inquiry from the acquirer server or from the issuer server to the central processor and platform; and
operating the central processor platform, in order to implement the transaction;
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Accused Products
Abstract
Method for carrying out a transaction on a system that includes at least one central processing platform, at least issuer server and at least one acquirer server, wherein the central processing platform includes a routing engine coupled by a communication connection to the issuer server and the acquirer server, and the method includes the steps of receiving a transaction inquiry at the acquirer server or the issuer server, routing of the inquiry from the acquirer server or from the issuer server to the central processor platform, and operating the central processor platform, in order to implement the transaction.
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Citations
80 Claims
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1. Method of carrying out a transaction on a system comprising at least one central processor platform, at least one issuer server and at least one acquirer server, wherein the central processor platform comprises a routing engine which, by way of a communication connection, is coupled to the issuer server and to the acquirer server, said method consisting of these steps:
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receiving a transaction inquiry at the acquirer server or at the server, issuer server;
routing the inquiry from the acquirer server or from the issuer server to the central processor and platform; and
operating the central processor platform, in order to implement the transaction;
- View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71)
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- 33. Data-transfer arrangement for transmitting information relevant to payment transactions for merchandise or services sold by offerers to purchasers, in which there is access to purchaser accounts managed electronically by at least one account manager, with at least one telecommunications network, in particular mobile wireless network, to which each of the purchasers is connected by way of a telecommunications terminal, with offerer terminals that are or can be connected to the telecommunications network, at least one account-management server to manage the purchaser accounts, at least one customer server belonging to the operator of the telecommunications network or to a customer-server proprietor, such that the customer server is designed to manage identification data of the purchaser as well as to implement the transmission of data to the offerers terminals and also to the or each account-management server, and a system-management server that is or can be directly connected, by way of a bi-directional data connection, to the or each customer server as well as to the offerer terminals or at least one intermediate merchant server belonging to a merchant service provider, and storage means for the storage of identification and address data of the offerer terminals or the or each merchant server as well as data-traffic conductors for the routing of data-transfer processes between the or each customer server and the offerer terminals and/or the or each merchant server.
- 72. Data-transfer arrangement for transmitting information relevant to payment transactions in order to accomplish payment by a payer to a payee, in which there is access to an electronically managed payers account, with at least one telecommunications network, in particular mobile wireless network, to which the payer is connected by way of a telecommunications terminal, a first account-management server to manage the payers account, which can optionally be connected to the telecommunications terminal by way of the telecommunications network, a first transaction server of the operator of the telecommunications network or a service provider, such that the first transaction server can be connected to the telecommunications terminal in particular by way of the telecommunications network, a second account-management server to manage a payee'"'"'s account, which can be connected directly or indirectly to the first transaction server and can be identical to the first account-management server, wherein the first transaction server is designed to convert a first payment-order data set, which comprises at least one item of amount information and one item of address information of the payee, into a second payment-order data set, which comprises at least the amount information and an account identifier for the payee'"'"'s account.
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73. Data-transfer arrangement for transmitting information relevant to payment transactions in order to accomplish payment by a payer to a payee, in which there is access to an electronically managed payers account, with at least one telecommunications network, in particular mobile wireless network, to which the payer is connected by way of a telecommunications terminal, a first account-management server to manage a payers account, which can optionally be connected to the telecommunications terminal by way of the telecommunications network, a first transaction server of the operator of the telecommunications network or a service provider, such that the first transaction server can be connected to the telecommunications terminal in particular by way of the telecommunications network, a second account-management server to manage a payee'"'"'s account, which can be connected directly or indirectly to the first transaction server and can be identical to the first account-management server, a second transaction server, which can be connected to the first transaction server and the second account-management server and is designed to convert a first payment-order data set, which comprises at least one item of amount information and one item of address information of the payee, into a second payment-order data set, which comprises at least the amount information and an account identifier for the payee'"'"'s account.
Specification