US6072870A
Expired / Lapsed
US
⏱️ 0.0 years remaining
System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
Assignee: Hewlett Packard Enterprise Development LP
•
Filing: 1996-06-17
•
Granted: 2000-06-06
•
Expires: 2016-06-17
Abstract
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.
Inventors
- 👤 Trong Nguyen
- 👤 Daniel R. Haller
- 👤 Glenn A. Kramer
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-28 11:24
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/02; G06Q20/027; G06Q20/04; G06Q20/08; G06Q20/085; G06Q20/0855; G06Q20/10; G06Q20/102; G06Q20/12; G06Q20/38; G06Q20/40; G06Q20/403; G06Q30/00; G06Q30/06; G06Q30/0601; G06Q40/00
Claims Analysis
Total Claims: 26
Claim 1
Independent Claim
85 words
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.
Claim 2
Independent Claim
85 words
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.
Claim 3
Dependent Claim
59 words
The method of claim 1, including the steps of: (f) receiving a payment transaction response from the host payment application at the gateway; (g) converting the payment transaction response into one or more response data elements; (h) encrypting the one or more response data elements; and (i) transmitting the encrypted one or more response data elements to the server.
Claim 4
Dependent Claim
29 words
The method of claim 1, including the step of receiving security information from the host payment application and accessing a database server to acquire information pertinent to payment processing.
Claim 5
Dependent Claim
18 words
The method of claim 3, including the step of performing database administration as part of the payment processing.
Claim 6
Dependent Claim
14 words
The method of claim 3, including the step of logging transactions in a database.
Claim 7
Dependent Claim
17 words
The method of claim 5, including the step of preparing reports based on information in the database.
Claim 8
Dependent Claim
19 words
The method of claim 1, wherein the encryption conforms with a protocol specified by one or more credit associations.
Claim 9
Independent Claim
92 words
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.
Claim 10
Independent Claim
92 words
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.
Claim 11
Dependent Claim
66 words
An apparatus as recited in claim 8, including: (f) means for receiving a payment transaction response from the host payment application at the gateway; (g) means for converting the payment transaction response into one or more response data elements; (h) means for encrypting the one or more response data elements; and (i) means for transmitting the encrypted one or more response data elements to the server.
Claim 12
Dependent Claim
30 words
An apparatus as recited in claim 8, including means for receiving security information from the host payment application and accessing a database server to acquire information pertinent to payment processing.
Claim 13
Dependent Claim
19 words
An apparatus as recited in claim 10, including means for performing database administration as part of the payment processing.
Claim 14
Independent Claim
15 words
An apparatus as recited in claims 10, including means for logging transactions in a database.
Claim 15
Dependent Claim
18 words
An apparatus as recited in claim 12, including means for preparing reports based on information in the database.
Claim 16
Dependent Claim
21 words
An apparatus as recited in claim 8, wherein the encryption conforms with a protocol specified by one or more credit associations.
Claim 17
Dependent Claim
108 words
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.
Claim 18
Dependent Claim
108 words
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.
Claim 19
Dependent Claim
75 words
A computer program as recited in claim 15, including: (f) a code segment for receiving a payment transaction response from the host payment application at the gateway; (g) a code segment for converting the payment transaction response into one or more response data elements; (h) a code segment for encrypting the one or more response data elements; and (i) a code segment for transmitting the encrypted one or more response data elements to the server.
Claim 20
Dependent Claim
33 words
A computer program as recited in claim 15, including a code segment for receiving security information from the host payment application and accessing a database server to acquire information pertinent to payment processing.
Claim 21
Dependent Claim
22 words
A computer program as recited in claim 17, including a code segment for performing database administration as part of the payment processing.
Claim 22
Dependent Claim
18 words
A computer program as recited in claim 17, including a code segment for logging transactions in a database.
Claim 23
Dependent Claim
21 words
A computer program as recited in claim 19, including a code segment for preparing reports based on information in the database.
Claim 24
Dependent Claim
22 words
A computer program as recited in claim 15, wherein the encryption conforms with a protocol specified by one or more credit associations.
Claim 25
Dependent Claim
112 words
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.
Claim 26
Dependent Claim
112 words
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.
References Cited (Backward Citations)
US3651511A
Cited
US3956615A
Cited
US4277837A
Cited
US4303904A
Cited
US4454414A
Cited
US4877950A
Cited
US4906828A
Cited
US4630201A
Cited
EP0172670A2
Cited
US4614861A
Cited
US4689478A
Cited
US4766293A
Cited
EP0256768A2
Cited
EP0256768B1
Cited
US4799156A
Cited
US4859837A
Cited
US4968873A
Cited
EP0326699A2
Cited
US4935962A
Cited
US4992646A
Cited
US5030806A
Cited
EP0363122A2
Cited
EP0363122B1
Cited
US5016274A
Cited
EP0416482A2
Cited
US5175416A
Cited
EP0666681A2
Cited
US5452352A
Cited
WO1991016691A1
Cited
GB2251098A
Cited
US5221838A
Cited
US5465291A
Cited
US5283819A
Cited
EP0527639A2
Cited
US5440634A
Cited
WO1993008545A1
Cited
US5453601A
Cited
US5455407A
Cited
US5448045A
Cited
US5442791A
Cited
US5297030A
Cited
US5476259A
Cited
US5485510A
Cited
US5478993A
Cited
US5420405A
Cited
US5475826A
Cited
US5506832A
Cited
EP0658862A2
Cited
EP0668579A2
Cited
US5557518A
Cited
US5590038A
Cited
US5459304A
Cited
US5715314A
Cited
US5590197A
Cited
US5677955A
Cited
US5742845A
Cited
US5671280A
Cited
US5671279A
Cited
US5793966A
Cited
US5754772A
Cited
US5729594A
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-06-06 | 2003-12-06 | 2004-06-06 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-06-06 | 2007-12-06 | 2008-06-06 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-06-06 | 2011-12-06 | 2012-06-06 | $7700.00 | Window Closed / Lapsed |