초록 ▼

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 data from the me

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 data from the merchant computer system to a payment gateway computer system. The payment gateway system evaluates the information and returns authorization or denial of credit via a secure transmission to the merchant which is communicated to the customer by the merchant.

대표청구항 ▼

[ What is claimed is:] [17.] A computer program embodied on a computer-readable medium for effecting purchase transactions by a customer system at a merchant system and effecting payment for said transactions by a payment system, comprising:(a) a code segment for controlling secure communication of

[ What is claimed is:] [17.] A computer program embodied on a computer-readable medium for effecting purchase transactions by a customer system at a merchant system and effecting payment for said transactions by a payment system, comprising:(a) a code segment for controlling secure communication of a purchase request from said customer system to said merchant system using a first communication method, including providing payment information from said customer system to said merchant system;(b) a code segment for controlling secure processing of said payment information by said merchant system to reformat said payment information into a payment authorization request and securely transmit said payment authorization request from said merchant system to said payment system using a second communication method;(c) a code segment for controlling the secure processing of said payment authorization request by said payment system to generate a payment authorization response authorizing said purchase and securely transmit said payment authorization response to said merchant system using the second communication method pursuant to which said merchant system fills said purchase request;(d) a code segment for controlling the secure processing of said payment authorization response by said merchant system to generate a payment capture request and securely transmit said payment capture request to said payment system using the second communication method;(e) a code segment for controlling the secure processing of said payment capture request by said payment system to generate a payment capture response authorizing payment and transmit said payment capture response to said merchant system using the second communication method; and(f) a code segment for controlling the secure processing of said payment capture response by said merchant system to effect payment to the merchant system for filling said purchase request.