System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture

• US 5,889,863 A
• Filed: 06/17/1996
• Issued: 03/30/1999
• Est. Priority Date: 06/17/1996
• Status: Expired due to Term

• Current Assignee: Hewlett Packard Enterprise Development LP (Hewlett-Packard Enterprise Company)
• Original Assignee: Verifone, Inc. (Verifone Systems, Inc.)
• Inventors: Weber, Jay C.
• Primary Examiner(s): Gregory, Bernarr E.
• Application Number:
  US08/664,824
• Time in Patent Office: 1,016 Days
• Field of Search: 705/26, 705/27, 705/35, 705/39, 705/40, 705/41, 705/42, 705/43, 705/44, 380/9, 380/23, 380/24, 380/25, 380/49, 380/50, 380/59
• US Class Current: 705/76
• 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 20/085 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 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

An architecture that provides a server that communicates bidirectionally with a client over a first communication link, over which service requests flow to the server for one or more merchants and/or consumers is disclosed. Service requests are associated with a particular merchant based on storefront visited by a consumer or credentials presented by a merchant. Service requests result in merchant specific transactions that are transmitted to the gateway for further processing on existing host applications. By presenting the appropriate credentials, the merchant could utilize any other computer attached to the Internet utilizing a SSL or SET protocol to query the server remotely and obtain capture information, payment administration information, inventory control information, audit information and process customer satisfaction information.

Claims

1. A method for communicating between a remote client and a server, comprising the steps of:

establishing a communication link between the remote client and the server;

transmitting one or more data elements from the remote client to the server via the communication link;

parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements;

authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce application residing on the server; and

allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized.

2. The method of claim 1, including the step of formatting the one or more data elements in accordance with a secure electronic protocol.

3. The method of claim 1, wherein the communication link operates under the HTTP protocol.

4. The method of claim 1, wherein messages related to the one or more merchant related functions are formatted as a MIME-encapsulated PKCS-7 message.

5. The method of claim 1, wherein the one or more digital credentials comprise public key certificates.

6. The method of claim 1, wherein the one or more digital credentials comprise passwords.

7. The method of claim 1, wherein a payment administration module is accessed by the user of the remote client.

8. The method of claim 1, wherein one or more transactions are submitted from the remote client, which is at a different location than that of the server.

9. The method of claim 1, wherein payment authorization functions are accessed by the user of the remote client.

10. The method of claim 1, wherein inventory control functions are accessed by the user of the remote client.

11. The method of claim 1, wherein auditing functions are accessed by the user of the remote client.

12. A computer program embodied on a computer-readable medium for communicating between a remote client and a server, comprising:

a code segment for establishing a communication link between the remote client and the server;

a code segment for transmitting one or more data elements from the remote client to the server via the communication link;

a code segment for parsing the one or more data elements and extracting one or more digital credentials from the one or more data elements;

a code segment for authenticating the one or more digital credentials to verify that a user of the remote client is authorized to perform one or more merchant related functions of an electronic commerce application residing on the server; and

a code segment for allowing the user of the remote client to access the one or more merchant related functions of the electronic commerce application if the user of the remote client is authorized.

13. The computer program embodied on a computer-readable medium as recited in claim 12, including a code segment for formatting the one or more data elements in accordance with a secure electronic protocol.

14. The computer program embodied on a computer-readable medium as recited in claim 12, wherein the communication link operates under the HTTP protocol.

15. The computer program embodied on a computer-readable medium as recited in claim 12, wherein the messages related to the one or more merchant related functions are formatted as a MIME-encapsulated PKCS-7 message.

16. The computer program embodied on a computer-readable medium as recited in claim 12, wherein the one or more digital credentials comprise public key certificates.

17. The computer program embodied on a computer-readable medium as recited in claim 12, wherein the one or more digital credentials comprise passwords.

18. The computer program embodied on a computer-readable medium as recited in claim 12, wherein a payment administration module is accessed by the user of the remote client.

19. The computer program embodied on a computer-readable medium as recited in claim 12, wherein one or more transactions are submitted from the remote client, which is at a different location than that of the server.

20. The computer program embodied on a computer-readable medium as recited in claim 12, wherein payment authorization functions are accessed by the user of the remote client.

21. The computer program embodied on a computer-readable medium as recited in claim 12, wherein inventory control functions are accessed accessed the user of the remote client.

22. The computer program embodied on a computer-readable medium as recited in claim 12, wherein auditing functions are accessed by the user of the remote client.