scispace - formally typeset
Search or ask a question
Topic

Payment system

About: Payment system is a research topic. Over the lifetime, 6129 publications have been published within this topic receiving 78369 citations. The topic is also known as: payments system & form of payment.


Papers
More filters
Patent
31 Oct 1996
TL;DR: In this paper, the authors present a bill delivery and payment system in which users (100) are able to access a server computer (160) on a communications network (110) to obtain bill information and pay bills.
Abstract: In a bill delivery and payment system, users (100) are able to access a server computer (160) on a communications network (110) to obtain bill information and pay bills. For example, such a communications network (110) may be the Internet or the World Wide Web thereof. Using a personal computer (100), a user can access a Web site provided by the server computer (160) to view the bill information and instruct the server computer (160) as to the details of the bill payment. In a second embodiment, without visiting the web site, users are provided with electronic bills containing bill information in the form of electronic mail (e-mail) at their e-mail addresses. After opening an electronic bill, a user can make the bill payment by replying to the electronic bill.

1,040 citations

Patent
13 Dec 1994
TL;DR: In this paper, a complete system for the purchasing of goods or information over a computer network is presented, where a network payment system performs payment order authorization in a network with untrusted switching, transmission, and host components.
Abstract: A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed by buyer computers. In response to user inquiries, buyer computers retrieve and display digital advertisements from merchant computers. A digital advertisement can further include a program that is interpreted by a buyer's computer. The buyer computers include a means for a user to purchase the product described by a digital advertisement. If a user has not specified a means of payment at the time of purchase, it can be requested after a purchase transaction is initiated. A network payment system performs payment order authorization in a network with untrusted switching, transmission, and host components. Payment orders are backed by accounts in an external financial system network, and the payment system obtains account authorizations from this external network in real-time. Payment orders are signed with authenticators that can be based on any combination of a secret function of the payment order parameters, a single-use transaction identifier, or a specified network address.

1,038 citations

Patent
25 Jul 1991
TL;DR: In this paper, a computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill.
Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications; means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment to the merchants according to the consumers' instructions based on a financial risk analysis.

850 citations

Patent
16 Sep 1994
TL;DR: In this article, a payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet, was proposed.
Abstract: A payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet. The payment system provides cardholder accounts for the first and second Internet users. When the second user sends the information product to the first user over the Internet, the second user also makes a request over the Internet to a front end portion of the payment system requesting payment from the first user. The front end portion of the payment system queries the first user over the Internet whether to proceed with payment to the second user. If the first user replies affirmatively, a charge to the first user is processed off the Internet; however if the first user replies negatively, the first user is not charged for the information product. The payment system informs the second user regarding whether the first user's decision and pays the second user upon collection of the charge from the first user. Security is maintained by isolating financial and credit information of users' cardholder accounts from the front end portion of the payment system and by isolating the account identifying information from the associated e-mail address.

816 citations

Patent
30 Oct 1996
TL;DR: In this article, the authors present a system for sending and receiving messages from users over a quasi-public network, such as the Internet, to enable users of the network to conduct commercial transactions involving a payment of funds by one user to another user.
Abstract: A method and system for use on a quasi-public network, such as the Internet, to enable users of the network to conduct commercial transactions involving a payment of funds by one user to another user of the network. The method includes operating a computer system for sending and receiving messages from users over the network. Upon receiving a message over the network from a qualified user-seller, a message is sent over the network to the user-buyer that was identified in the message from the user-seller. The message to the user-buyer requests confirmation of a transaction identified in the message received from the user-seller. Upon receiving a confirmation over the network from the user-buyer, payment information is sent by secure channels off the network to an agent of the user-seller. The user-seller's agent may be a separate entity or the function of the user-seller's agent may be performed by the transaction enabling system. Upon receipt of an authorization code from the seller's agent, the authorization code is encrypted and sent to the user-seller over the network.

745 citations


Network Information
Related Topics (5)
Health care
342.1K papers, 7.2M citations
74% related
Government
141K papers, 1.9M citations
72% related
The Internet
213.2K papers, 3.8M citations
71% related
Information system
107.5K papers, 1.8M citations
71% related
Empirical research
51.3K papers, 1.9M citations
70% related
Performance
Metrics
No. of papers in the topic in previous years
YearPapers
202371
2022157
2021186
2020303
2019365
2018370