System and arrangement for processing payments for purchases through a payment server
First Claim
1. A payment processing system comprising:
- a plurality of data communications devices transmitting a plurality of payment requests in connection with purchases, each data communications device transmitting the payment requests via a communication channel of one of a plurality of protocol types, wherein each protocol type is different from others of the plurality of protocol types and each payment request includes a merchant identification code and a set of customer financial account data; and
a payment server including a database with a plurality of merchant identification codes, each merchant identification code associated with a financial institution identification code in the database, the payment server further including a plurality of adapter modules coupled to the database, each adapter module executable on the server, compatible with one of the plurality of protocol types, and coupled to a respective one of the communications channels, each adapter module adapted to receiving the payment requests from the data communications devices at the respective channel, each of the adapter modules having a payment processing application identifying from the database a financial institution identification code associated with the merchant identification code from a payment request and interfacing with a data processing system of a financial institution identified by the financial institution identification code consistent with a communications protocol associated with the identified financial account data to the identified financial institution for payment to a merchant identified by the merchant identification code.
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Accused Products
Abstract
A system and an arrangement that process payment requests received from a number of distinct data communication devices via respective communications channels and consistent with different communications protocols. In an example embodiment, a payment processing system includes a plurality of data communications devices that transmit a plurality of payment requests in connection with purchases via respective communication channels. Each transmitted payment request includes a merchant identification code and a set of customer financial account data. The system further includes a payment server arrangement that receives the payment requests from the data communications devices at the respective channels via a plurality of adapter modules corresponding to each of the communication channels. Each of the adapter modules includes a payment processing application that identifies a financial institution identification code associated with the merchant identification code. The adapter modules interface with a data processing system of the financial institution consistent with a communications protocol associated with the identified financial institution.
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Citations
15 Claims
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1. A payment processing system comprising:
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a plurality of data communications devices transmitting a plurality of payment requests in connection with purchases, each data communications device transmitting the payment requests via a communication channel of one of a plurality of protocol types, wherein each protocol type is different from others of the plurality of protocol types and each payment request includes a merchant identification code and a set of customer financial account data; and a payment server including a database with a plurality of merchant identification codes, each merchant identification code associated with a financial institution identification code in the database, the payment server further including a plurality of adapter modules coupled to the database, each adapter module executable on the server, compatible with one of the plurality of protocol types, and coupled to a respective one of the communications channels, each adapter module adapted to receiving the payment requests from the data communications devices at the respective channel, each of the adapter modules having a payment processing application identifying from the database a financial institution identification code associated with the merchant identification code from a payment request and interfacing with a data processing system of a financial institution identified by the financial institution identification code consistent with a communications protocol associated with the identified financial account data to the identified financial institution for payment to a merchant identified by the merchant identification code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A payment request processing arrangement configured and arranged for communication with a plurality of data communication devices and communication with a plurality of data processing systems located at a plurality of financial institutions, each data communication device configured to transmit a payment request via a communication channel of one of a plurality of protocol types, wherein each protocol type is different from others of the plurality of protocol types, the arrangement comprising:
a payment server configured and arranged to be responsive to the plurality of data communications devices and including a database configured with a plurality of merchant identification codes, each merchant identification code associated with a financial institution identification code in the database, the payment sewer further including a plurality of adapter modules coupled to the database, each adapter module executable on the server, compatible with one of the plurality of protocol types, and coupled to a respective one of the communications channels, wherein each payment request includes a merchant identification code and a set of customer financial account data, each adapter module having a payment processing application configured to identify from the database a financial institution identification code associated with the merchant identification code from a payment request and interface with a data processing system of a financial institution identified by the financial institution identification code consistent with a communications protocol associated with the identified financial institution, and provide the merchant identification code and set of customer financial account data to the identified financial institution for payment to a merchant identified by the merchant identification code. - View Dependent Claims (10, 11)
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12. A system for processing payment requests from a plurality of data communications devices, each payment request including a merchant identification code and a set of customer financial data, the system comprising:
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a plurality of processor-executable adapter modules, each adapter module configured to interface with one or more of the communications devices via a selected one of a plurality of communications channels, wherein each communications channel is one of a plurality of protocol types, and each protocol type is different from others of the plurality of protocol types; means, such as a computer connected to a network, for receiving payment requests from the data communications devices at the adapter modules via the communications channels; a database coupled to the adapter modules and configured with a plurality of merchant identification codes, each merchant identification code associated with a financial institution identification code in the database; means, such as software running on a computer, for identifying from the database for each payment request, the financial institution code associated with the merchant identification code from the payment request, each financial institutions code identifying a financial institution having an associated data processing system for processing payment requests; and means, such as a network interface, for interfacing with the data processing systems of the financial institutions consistent with payment protocols associated with the financial institutions to provide the merchant identification codes and sets of customer financial account data to the identified financial institutions for payment to merchants identified by the merchant identification codes of payment requests.
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13. A computer-implemented method for processing payment requests from a plurality of data communications devices, each payment request including a merchant identification code and a set of customer financial data, the method comprising:
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providing a plurality of processor-executable adapter modules, each adapter module configured to interface with one or more of the communications devices via a selected one of a plurality of communications channels, wherein each communications channel is one of a plurality of protocol types, and each protocol type is different from others of the plurality of protocol types; configuring a database coupled to the adapter modules with a plurality of merchant identification codes and financial institution identification codes, wherein each merchant identification code is associated with a financial institution identification code in the database; receiving payment requests from the data communications devices at the adapter modules via the communications channels; identifying, using the database for each payment request, the financial institution code associated with the merchant identification code, each financial institution identified by a financial institution code having an associated data processing system for processing payment requests; and interfacing, for each payment request, with the data processing system of the identified financial institution consistent with a payment protocol associated with the identified financial institution, and providing the merchant identification code and set of customer financial account data to the identified financial institution for payment to a merchant identified by the merchant identification code. - View Dependent Claims (14, 15)
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Specification