Payment gateway

About: Payment gateway is a research topic. Over the lifetime, 734 publications have been published within this topic receiving 10087 citations.

A system, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture

Abstract: Secure transmission of data is provided between a plurality of computer systems (120, 130, 140) over a public communication system, such as the Internet (150, 170). Secure transmission (150) of data is provided from a customer computer system (120) to a merchant computer system (130), and for the further secure transmission (170) of payment information regarding a payment instrument from the merchant computer system (130) to a payment gateway computer (140) system. The payment gateway system (140) evaluates the payment information and returns a level of authorization of credit via a secure transmission (170) to the merchant which is communicated to the customer (120) by the merchant (130). The merchant (130) 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 not SET compliant is provided by a preferred embodiment of the invention. A server communicating bidirectionally with a gateway (140) is disclosed. The server communicates to the gateway (140) over a first communication link, over which all service requests are initiated by the server. The gateway (140) uses a second communication link to send service signals to the server. In response to the service signals, the server initiates transactions to the gateway (140) or presents information on a display device.

Electronic identifier payment systems and methods

Abstract: A payment service method and system involve a payment service provider, a customer/payor and a consumer provider/payee. The customer/payor enrolls in the service and is provided a unique identifier that enables the customer to conduct transactions with the payment service provider. The customer/payor interfaces with the payment service provider through various forms of communication, and can facilitate payments to the consumer providers/payees through the payment service provider while remaining anonymous.