System and arrangement for processing payments for purchases through a payment server

• US 7,428,507 B2
• Filed: 06/29/2001
• Issued: 09/23/2008
• Est. Priority Date: 06/29/2001
• Status: Expired due to Fees

• Current Assignee: Hewlett-Packard Development Company, L.P. (HP Inc.)
• Original Assignee: Hewlett-Packard Development Company, L.P. (HP Inc.)
• Inventors: Taylor, William Stuart, Villaret, Jean-Marc, Ritschel, Kevin Frank
• Primary Examiner(s): Poinvil; Frantzy
• Assistant Examiner(s): GRAHAM, CLEMENT B
• Application Number:
  US09/896,576
• Publication Number:
  US 20030004797A1
• Time in Patent Office: 2,643 Days
• Field of Search: 705/37, 705/38, 705/34, 705/36, 705/5, 705/35, 710/1, 709/100, 709/203
• US Class Current: 705/37
• CPC Class Codes: G06Q 10/02 Reservations, e.g. for tickets, services or events
• CPC Class Codes: G06Q 20/04 Payment circuits
• 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: H04L 69/18 Multiprotocol handlers, e.g. single devices capable of handling multiple protocols
• CPC Class Codes: H04L 9/40 Network security protocols

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.

Claims

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.

2. The payment processing system of claim 1, wherein at least one of adapter modules is configured to communicate dam with a mobile communications device consistent with an secure socket layer secure electronic transaction communications protocol thereby ensuring a high level of security in communicating the customer financial account data.

3. The payment processing system of claim 2, wherein the at least one of the adapter modules configured to communicate with a mobile communications device is also configured to communicate data with a vending machine and a kiosk, thereby reducing the number of adapter modules dedicated to the data communications devices.

4. The payment processing system of claim 1, further comprising a customer financial server responsive to the mobile communications device and communicatively coupled to the payment server, the customer controlled server configured to transmit the set of customer financial account data at the high level of security sought by the financial institution.

5. The payment processing system or claim 1, wherein at least one of the adapter modules is configured to communicate data with an point of sale terminal consistent with a point of sale communications protocol thereby ensuring a high level of securing in communicating the customer financial account data.

6. The payment processing system of claim 1, wherein at least one of the adapter modules is configured to communicate data with a set top box arrangement consistent with a cable network communications protocol thereby ensuring a high level of securing in communicating the customer financial account data.

7. The payment processing system of claim 1, wherein at least one of the adapter modules is configured to communicate data with a set top box arrangement consistent with a satellite network communications protocol thereby ensuring a high level of securing in communicating the customer financial account data.

8. The payment processing system of claim 1, further comprising a merchant transactions database that includes historical information of payments processed by the payment server arrangement, wherein the historical information is configurable for demographic research.

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.

10. The arrangement of claim 9, further comprising a merchant transactions database that includes historical information of payments processed by the payment server arrangement, wherein the historical information is configurable for demographic research.

11. The arrangement of claim 9, wherein at least one of the adapter modules is configured to communicate data with a set top box arrangement consistent with a cable network communications protocol thereby ensuring a high level of securing in communicating the customer financial account data.

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:

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.

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:

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.

14. The method of claim 13, after the interfacing step, further comprising;

processing payment at the identified financial institutions; and

storing the processed payment as data in a merchant transactions database.

15. The method of claim 13, wherein the step of identifying the financial institutions includes providing a merchant/bank identification database that includes historical information of processed payments, wherein the historical information is configurable for demographic research.