Browser-based payment system
First Claim
Patent Images
1. A payment system comprising:
- a server connecting to a first network using a communication protocol, the server being connected to banking network, the server hosting a virtual terminal application including a setup page and a plug-in component;
a computer, running an operating system, being connected to the first network using the same communication protocol used in the first network so that the computer and the server is able to exchange data bi-directionally;
a card reader being connected to the computer through its ports; and
a browser which runs in the computer, the computer being able to access the server to retrieve the virtual terminal application from the server;
Wherein, upon browser'"'"'s accessing the Universal Resource Locator of the virtual terminal application, the server provisions the computer the virtual terminal application including the setup page and the plug-in component;
upon being provisioned first time, the virtual terminal application automatically configures the card reader and stores the information about the card reader in a cookie in the computer; and
the browser executes the plug-in component so that it allows the virtual terminal application to interface with the card reader.
1 Assignment
0 Petitions
Accused Products
Abstract
A web browser-based payment system contains a processing server, a virtual terminal comprising a computer running a browse, a virtual terminal application, and at least one Point of Sale device connected to the computer, and network connection between the processing server and the virtual terminal. The virtual terminal thus is capable of retrieving from the server the virtual terminal application for processing payment. The virtual terminal invokes an embedded plug-in component, which allows the browser to interface with the POS devices. This payment system is capable of processing payments by using payment data from the attached Point of Sale device.
-
Citations
19 Claims
-
1. A payment system comprising:
-
a server connecting to a first network using a communication protocol, the server being connected to banking network, the server hosting a virtual terminal application including a setup page and a plug-in component;
a computer, running an operating system, being connected to the first network using the same communication protocol used in the first network so that the computer and the server is able to exchange data bi-directionally;
a card reader being connected to the computer through its ports; and
a browser which runs in the computer, the computer being able to access the server to retrieve the virtual terminal application from the server;
Wherein, upon browser'"'"'s accessing the Universal Resource Locator of the virtual terminal application, the server provisions the computer the virtual terminal application including the setup page and the plug-in component;
upon being provisioned first time, the virtual terminal application automatically configures the card reader and stores the information about the card reader in a cookie in the computer; and
the browser executes the plug-in component so that it allows the virtual terminal application to interface with the card reader. - View Dependent Claims (2, 3, 4, 5, 6)
-
-
7. A payment system comprising:
-
a server connecting to a first network using a communication protocol, the server being connected to banking network, the server containing a virtual terminal application which include a setup page and a plug-in component;
a computer, run by an operating system, being connected to the first network using the same communication protocol used in the first network so that the computer and the server is able to exchange data bi-directionally;
a check reader and a signature-capturing pad being connected to the computer; and
a browser which runs in the computer, the computer being able to access the server to request the virtual terminal application from the server;
Wherein, upon the browser'"'"'s accessing the Universal Resource Locator of the virtual terminal application, the server provisions the computer the virtual terminal application including the setup page and the plug-in component;
upon being provisioned first time, the virtual terminal application automatically configures the check reader and stores the information about the check reader in a cookie in the computer; and
the browser executes the plug-in component so that it allows the virtual terminal application to interface with the check reader and the signature-capturing pad. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14)
-
-
15. A payment system comprising:
-
a server connecting to a first network using a communication protocol, the server being connected to a banking network, the server containing a virtual terminal application including a setup page and an embedded plug-in component which includes an embedded JavaScript and a digitally signed executable binary;
a computer, run by an operating system, being connected to the first network using the same communication protocol used in the first network so that the computer and the server is able to exchange data bi-directionally;
a card reader and a check reader, each being connected the computer through a unidirectional interface enabled by the JavaScript;
a PIN pad and signature-capturing pad a being connected to the computer through a bi-directional interface enabled by the digitally signed binary executable; and
a browser running in the computer, the browser being able to access the server to retrieve the virtual terminal application from the server;
Wherein, upon the browser'"'"'s accessing the Universal Resource Locator of the virtual terminal application, the server provisions the computer the virtual terminal application including the setup page and the plug-in component;
upon being provisioned first time, the virtual terminal application automatically run the embedded JavaScript and configures the card reader and the check reader, and stores the information about the check reader and the check reader in a cookie in the computer;
the virtual terminal application prompts the user of system to manually configure the PIN pad and signature-capturing pad and save the information about the PIN pad and the signature-capturing pad in the coolie in the computer. - View Dependent Claims (16, 17, 18, 19)
-
Specification