System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
First Claim
1. A method for communicating between a server, a gateway, and a host payment application, comprising the steps of:
- (a) establishing a communication link between the server and the gateway;
(b) receiving encrypted payment information at the gateway;
(c) decrypting the payment information into one or more request data elements;
(d) formatting the one or more request data elements into a payment transaction request conforming to a protocol compatible with the host payment application; and
(e) transmitting the payment transaction request to the host payment application.
9 Assignments
0 Petitions
Accused Products
Abstract
Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer computer system to a merchant computer system, and for the further secure transmission of payment information from the merchant computer system to a payment gateway computer system. The payment gateway system formats transaction information appropriately and transmits the transaction to the particular host legacy system. The host legacy system evaluates the payment information and returns a level of authorization of credit to the gateway which packages the information to form a secure transaction which is transmitted to the merchant which is in turn communicated to the customer by the merchant. The merchant can then determine whether to accept the payment instrument tendered or deny credit and require another payment instrument. An architecture that provides support for additional message types that are value-added extensions to the basic SET protocol, is provided by a preferred embodiment of the invention.
-
Citations
22 Claims
-
1. A method for communicating between a server, a gateway, and a host payment application, comprising the steps of:
-
(a) establishing a communication link between the server and the gateway; (b) receiving encrypted payment information at the gateway; (c) decrypting the payment information into one or more request data elements; (d) formatting the one or more request data elements into a payment transaction request conforming to a protocol compatible with the host payment application; and (e) transmitting the payment transaction request to the host payment application. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. An apparatus for communicating between a server, a gateway, and a host payment application, comprising:
-
(a) means for establishing a communication link between the server and the gateway; (b) means for receiving encrypted payment information at the gateway; (c) means for decrypting the payment information into one or more request data elements; (d) means for formatting the one or more request data elements into a payment transaction request conforming to a protocol compatible with the host payment application; and (e) means for transmitting the payment transaction request to the host payment application. - View Dependent Claims (9, 10, 11, 12, 13, 14)
-
-
15. A computer program embodied on a computer-readable medium for communicating between a server, a gateway, and a host payment application, comprising:
-
(a) a code segment for establishing a communication link between the server and the gateway; (b) a code segment for receiving encrypted payment information at the gateway; (c) a code segment for decrypting the payment information into one or more request data elements; (d) a code segment for formatting the one or more request data elements into a payment transaction request conforming to a protocol compatible with the host payment application; and (e) a code segment for transmitting the payment transaction request to the host payment application. - View Dependent Claims (16, 17, 18, 19, 20, 21)
-
-
22. A computer program embodied on a computer-readable medium for communicating between a HTTP server, a gateway, and an existing host payment application, comprising:
-
(a) a code segment for establishing a communication link between the HTTP server and the gateway; (b) a code segment for receiving encrypted payment information at the gateway; (c) a code segment for decrypting the payment information into one or more request data elements; (d) a code segment for formatting the one or more request data elements into a payment transaction request conforming to a protocol compatible with the host payment application; and (e) a code segment for transmitting the payment transaction request to the existing host payment application.
-
Specification