System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture
First Claim
1. A method for initiating secure communication between a first and a second computer connected to a network for receiving and transmitting payment information, comprising the steps of:
- (a) establishing a communication link between said first and said second computer via said network;
(b) identifying an encryption procedure and a decryption procedure utilized by said first and said second computer;
(c) transmitting encrypted payment information, including a payment instrument, from said first computer to said second computer using the communication link;
(d) receiving said encrypted payment information at said second computer using the communication link and decrypting the payment information utilizing the decryption procedure; and
(e) evaluating credit risk based on the payment information including a presence or absence of a certificate; and
(f) utilizing said payment information for further payment processing.
10 Assignments
0 Petitions
Accused Products
Abstract
An architecture that provides a server that communicates bidirectionally with a gateway 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 vPOS system remotely and obtain capture information, payment administration information, inventory control information, audit information and process customer satisfaction information.
654 Citations
20 Claims
-
1. A method for initiating secure communication between a first and a second computer connected to a network for receiving and transmitting payment information, comprising the steps of:
-
(a) establishing a communication link between said first and said second computer via said network; (b) identifying an encryption procedure and a decryption procedure utilized by said first and said second computer; (c) transmitting encrypted payment information, including a payment instrument, from said first computer to said second computer using the communication link; (d) receiving said encrypted payment information at said second computer using the communication link and decrypting the payment information utilizing the decryption procedure; and (e) evaluating credit risk based on the payment information including a presence or absence of a certificate; and (f) utilizing said payment information for further payment processing. - View Dependent Claims (2, 3, 4)
-
-
5. A method for accepting or denying a payment method using a first and a second computer connected to a network, comprising the steps of:
-
(a) transferring client information including said payment method into said first computer; (b) establishing a communication link between said first and said second computer via said network; (c) encrypting said client information to substantially comply with a third party secure protocol; (d) transmitting said encrypted client information to said second computer via said communication link; (e) decrypting said encrypted client information; (f) determining whether to accept or deny said payment method based on said decrypted client information; and (g) transmitting a response to said first computer via said communication link wherein said response recommends acceptance or denial of said payment method. - View Dependent Claims (6, 7, 8, 9, 10)
-
-
11. Apparatus for initiating payment in a computer under the control of software with an attached display and an input device coupled to a network for receiving and transmitting network information, comprising:
-
(a) means for establishing a communication link between said first and said second computer via said network; (b) means for identifying an encryption procedure and a decryption procedure utilized by said first and said second computer; (c) means coupled to the means for establishing a communication link for transmitting encrypted payment information, including a payment instrument, from said first computer to said second computer; (d) means for receiving said encrypted payment information at said second computer and decrypting the payment information utilizing the decryption procedure; (e) means for evaluating credit risk based on the payment information including a presence or absence of a certificate; and (f) means for utilizing said payment information for further payment processing. - View Dependent Claims (12, 13)
-
-
14. An apparatus for accepting or denying a payment method using a first and a second computer connected to a network, the apparatus comprising:
-
(a) means for entering client information including said payment method; (b) means for establishing a communication link between said first and said second computer via said network; (c) means for encrvpting said client information to substantially comply with a third party secure protocol; (d) means for transmitting said encrypted client information to said second computer via said communication link; (e) means for decrypting said encrypted client information; (f) means for determining whether to accept or deny said payment method based on said decrypted client information; and (g) means for transmitting a response to said first computer via said communication link wherein said response recommends acceptance or denial of said payment method. - View Dependent Claims (15)
-
-
16. A computer program embodied on a computer-readable medium for initiating payment in a computer under the control of software with an attached display and an input device connected to a network for receiving and transmitting network information, comprising:
-
(a) a code segment for establishing a communication between said first and said second computer via said network; (b) a code segment for identifying an encryption procedure and a decryption procedure utilized by said first and said second computer; (c) a code segment for transmitting encrypted payment information, including payment instrument information, from said first computer to said second computer; (d) a code segment for receiving said encrypted payment information at said second computer and decrypting the payment information utilizing the decryption procedure; (e) a code segment for evaluating the payment information to determine the credit risk based on the payment instrument; and (f) a code segment for conditionally granting credit based on said credit risk payment information and utilizing said payment information for further payment processing. - View Dependent Claims (17, 18)
-
-
19. A computer program embodied on a computer-readable medium for accepting or denying a payment method using a first and a second computer connected to a network comprising:
-
(a) a code segment for entering client information including said payment method into said first computer; (b) a code segment for establishing a communication link between said first and said second computer via said network; (c) a code segment for encrypting said client information to substantially comply with a third party secure protocol; (d) a code segment for transmitting said encrypted client information to said second computer via said communication link; (e) a code segment for decrypting said encrypted client information; (f) a code segment for determining whether to accept or deny said payment method based on said decrypted client information; and (g) a code segment for transmitting a response to said first computer via said communication link wherein said response recommends acceptance or denial of said payment method. - View Dependent Claims (20)
-
Specification