Universal mobile electronic commerce
First Claim
1. For use in an electronic commerce system allowing a customer having an account with a first payment service provider based in a home network to purchase goods and services from a merchant having an account with a second payment service provider based in a remote network, a method for executing a transaction desired by a customer including the steps of:
- initiating, by the customer, a desired transaction with a merchant having an account with a second payment service provider based in a remote network;
selecting a payment option, by the customer, wherein there is an association between a first payment service provider and a selected payment option, and wherein said step of selecting a payment option defines a first payment service provider and a home network in which it is based, wherein the customer has an account;
sending, by the merchant to the second payment service provider, of authorization request for payment for the transaction;
forwarding the authorization request from the second payment service provider to the first payment service provider wherein the customer has an account;
authorizing, by the first payment service provider, payment for the transaction;
forwarding the payment authorization for the transaction from the first payment service provider to the second payment service provider;
authenticating the customer;
approving the fulfillment of the transaction;
fulfilling the transaction desired by the customer; and
settling financial obligations arising from the transaction among the parties thereto, wherein, said steps of selecting, sending, forwarding, authorizing, forwarding, authenticating, approving, fulfilling, and settling are members of a first sequence of steps.
1 Assignment
0 Petitions
Accused Products
Abstract
Electronic commerce system and method allowing a customer having an account with a first payment service provider based in a home network to purchase goods and services from a merchant having an account with a second payment service provider based in a remote network, including: first payment service provider with which a customer desiring a transaction with a merchant has an account; a home network on which first payment service provider is based; second payment service provider with which the merchant has an account; a remote network on which second payment service provider is based, by means of which the merchant communicates with the second payment service provider; at least two payment gateways, of which first payment gateway is associated with first payment service provider and second payment gateway is associated with second payment service provider, and a general network by means of which the payment gateways communicate.
67 Citations
39 Claims
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1. For use in an electronic commerce system allowing a customer having an account with a first payment service provider based in a home network to purchase goods and services from a merchant having an account with a second payment service provider based in a remote network,
a method for executing a transaction desired by a customer including the steps of: -
initiating, by the customer, a desired transaction with a merchant having an account with a second payment service provider based in a remote network;
selecting a payment option, by the customer, wherein there is an association between a first payment service provider and a selected payment option, and wherein said step of selecting a payment option defines a first payment service provider and a home network in which it is based, wherein the customer has an account;
sending, by the merchant to the second payment service provider, of authorization request for payment for the transaction;
forwarding the authorization request from the second payment service provider to the first payment service provider wherein the customer has an account;
authorizing, by the first payment service provider, payment for the transaction;
forwarding the payment authorization for the transaction from the first payment service provider to the second payment service provider;
authenticating the customer;
approving the fulfillment of the transaction;
fulfilling the transaction desired by the customer; and
settling financial obligations arising from the transaction among the parties thereto, wherein, said steps of selecting, sending, forwarding, authorizing, forwarding, authenticating, approving, fulfilling, and settling are members of a first sequence of steps. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. For use in an electronic commerce system allowing a customer having an account with a first payment service provider based in a home network to purchase goods and services from a merchant having an account with a second payment service provider based in a remote network,
a payment gateway for communication with at least one similar payment gateway for enabling a transaction desired by a customer having an account with a first payment service provider based in a home network from a merchant having an account with a second payment service provider based in a remote network, including: -
a registrar for authenticating and authorizing the networks and payment service providers that said payment gateway recognizes as being valid parties to a transaction;
a peer recognizer for verifying the identity of other said payment gateways participating in enabling a transaction;
a local transaction interface for accepting requests, responses, and other messages, relating to a transaction, that originate with parties to the transaction that are based on the network on which said payment gateway is based and for forwarding responses, requests, and other messages, relating to a transaction, to parties to the transaction that are based on the network on which said payment gateway is based;
a router for determining, in their respective networks, the payment service providers and the other said payment gateways that are party to the transaction and for directing messages pertaining to the transaction to the respective parties;
a remote transaction interface for accepting responses, requests, and other messages, relating to a transaction, that originate with parties to the transaction that are based on a network on which said payment gateway is not based and for forwarding requests, responses, and other messages, relating to a transaction, to parties to the transaction that are based on the network on which said payment gateway is not based; and
a customer authenticator for verifying the identity of the customer to the remote payment service provider. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38)
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39-56. -56. (canceled)
Specification