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 payment informat

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 regarding a payment instrument from the merchant computer system to a payment gateway computer system. The payment gateway system evaluates the payment information and returns a level of authorization of credit via a secure transmission to the merchant which is 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 SET protocol is provided by a preferred embodiment of the invention. A server communicating bidirectionally with a gateway is disclosed. The server communicates to the gateway over a first communication link, over which all service requests are initiated by the server. The gateway 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 or presents information on an a display device.

대표청구항 ▼

[ What is claimed is:] [9.] A system for communicating between a merchant server and a gateway, said system comprising:(a) means for receiving data into the merchant server;(b) means for parsing the data and generating a formatted transaction in accordance with a predefined syntax;(c) means for encr

[ What is claimed is:] [9.] A system for communicating between a merchant server and a gateway, said system comprising:(a) means for receiving data into the merchant server;(b) means for parsing the data and generating a formatted transaction in accordance with a predefined syntax;(c) means for encrypting the transaction;(d) means for establishing a first communication link between the merchant server and the gateway;(e) means for transmitting the transaction across the first communication link from the merchant server to the gateway;(f) means for receiving and decrypting the transaction at the gateway;(g) means for authenticating the transaction at the gateway;(h) means for parsing the transaction according to standard syntax rules;(i) means for establishing a second communication link between the gateway a host; and(j) means for generating a message for transmission over the second communication link to the host for payment processing.