WO1998013797A3 - A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture - Google Patents

A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture Download PDF

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Publication number
WO1998013797A3
WO1998013797A3 PCT/US1997/017381 US9717381W WO9813797A3 WO 1998013797 A3 WO1998013797 A3 WO 1998013797A3 US 9717381 W US9717381 W US 9717381W WO 9813797 A3 WO9813797 A3 WO 9813797A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
payment
computer system
architecture
gateway
Prior art date
Application number
PCT/US1997/017381
Other languages
French (fr)
Other versions
WO1998013797A2 (en
Inventor
Trong Nguyen
Daniel R Haller
Mahadevan P Subramanian
Original Assignee
Verifone Inc
Trong Nguyen
Daniel R Haller
Mahadevan P Subramanian
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Verifone Inc, Trong Nguyen, Daniel R Haller, Mahadevan P Subramanian filed Critical Verifone Inc
Priority to AU46544/97A priority Critical patent/AU4654497A/en
Priority to EP97945315A priority patent/EP0929881A2/en
Publication of WO1998013797A2 publication Critical patent/WO1998013797A2/en
Publication of WO1998013797A3 publication Critical patent/WO1998013797A3/en

Links

Classifications

    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/04Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0823Network architectures or network communication protocols for network security for authentication of entities using certificates
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/40Network security protocols
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

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.
PCT/US1997/017381 1996-09-26 1997-09-26 A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture WO1998013797A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU46544/97A AU4654497A (en) 1996-09-26 1997-09-26 A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
EP97945315A EP0929881A2 (en) 1996-09-26 1997-09-26 A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US08/721,133 1996-09-26
US08/721,133 US5978840A (en) 1996-09-26 1996-09-26 System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture

Publications (2)

Publication Number Publication Date
WO1998013797A2 WO1998013797A2 (en) 1998-04-02
WO1998013797A3 true WO1998013797A3 (en) 1998-11-12

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/017381 WO1998013797A2 (en) 1996-09-26 1997-09-26 A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture

Country Status (4)

Country Link
US (1) US5978840A (en)
EP (1) EP0929881A2 (en)
AU (1) AU4654497A (en)
WO (1) WO1998013797A2 (en)

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