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10123 results about "Payment" patented technology

A payment is the trade of value from one party (such as a person or company) to another for goods, or services, or to fulfill a legal obligation. Payment can take a large variety of forms. Barter, the exchange of one good or service for another, is a form of payment. The most common means of payment involve use of money, cheque, or debit, credit or bank transfers. Payments may also take complicated forms, such as stock issues or the transfer of anything of value or benefit to the parties. In US law, the payer is the party making a payment while the payee is the party receiving the payment. In trade, payments are frequently preceded by an invoice or bill.

Internet payment, authentication and loading system using virtual smart card

InactiveUS7908216B1Advantageous for small dollar amount transactionMinimal timeFinancePayment circuitsMerchant servicesPayment
A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site. A user uses the client terminal to purchase goods and/or services from the remote merchant server. The payment server processes, confirms and replies to the merchant server. The payment server is also used to authenticate the holder of a virtual card who wishes to redeem loyalty points from a merchant. To load value, the client terminal requests a load from a user account at the bank server. The load server processes, confirms and replies to the bank server.

Secure online music distribution system

A secure music distribution system securely distributes digital products such as music, video, and/or computer software along with related media over a public telecommunications network, such as the Internet, employing a client-server architecture. The digital products are stored and controlled by a content manager computer system and are sold by separate merchant computer systems. The secure music distribution system includes a music distribution center which operates with any number of client systems and with any number of merchant systems. The music distribution center includes a content manager and at least one delivery server. The content manager maintains a media information database, a master media file system, and a transaction database. In addition, the music distribution center interfaces with a media licensing center, which in turn communicates with one or more distributed rights agent servers and the merchant servers. The merchant server executes in a merchant computer system, which also includes an HTTP (HyperText Transfer Protocol) server. The merchant servers interface with various payment processing systems. The client systems include a media player and a Web browser. Additional delivery servers and media licensing centers operate independently and externally to the music distribution center and interface with the music distribution center.
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