278 results about "Payment gateway" patented technology

The invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.

Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.

Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.

The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.

Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.

Methods of processing electronic transfers of funds from a payer account held at a payer financial institution to a financial settlement network in a currency that may be the same as or different from the funds in the payer account, and transfers from the financial settlement network to a payee account in a currency that, again, may be the same as or different from the funds in the payee account. The transfers are initiated by payment instructions transmitted by the payer to a payment gateway that provides mappings between the payer account and at least one credit card account in a currency nominated from those currencies supported by the payer financial institution for settlement purposes. The payment gateway also provides mappings between a plurality of payment currencies and at least one acquiring account held by a payee in a currency supported by an acquiring financial institution. Foreign exchange conversions involved in the transfers may be effected by the financial institutions, by the financial settlement network, or both as required. The methods optionally provide for transfers to financial institutions that are not members of the financial settlement network by providing agent financial institutions to integrate subsidiary national clearing networks.

Apparatuses and methods for a virtual point of sale terminal and an electronic wallet are described. One embodiment is a virtual point of sale terminal for initiating and accepting a wireless electronic payment, comprising a mobile communication device configured to communicate with a payment gateway system and a point of sale processing application installed in the mobile communications device, the point of sale processing application being configured to wirelessly transmit a request for payment of a transaction to the payment gateway system and to wirelessly receive an approval code for payment of the transaction from the payment gateway system.

A method and system for prepaying wireless telecommunications charges utilizes computer hardware and software including, for example, a user's mobile phone, a mobile operator's interactive voice response unit, a mobile payments interactive voice response unit, SMS, test messaging, email, ATM, kiosk, the Internet, and / or WAP or the like, a mobile payments engine, a mobile operator's prepaid billing system, a subscriber database, a payment gateway, and a transaction processing platform. The mobile payments engine receives information identifying a user's wireless telecommunication device via the mobile payments interactive voice response unit, passes the information to the mobile operator's billing system with a request for validation of a mobile account for the user, and if validation is received, the mobile payments engine receives financial source account and user identity verification information from the user, assigns a mobile personal identification number for the user, and arranges a credit from the source account to the user's mobile account.

As a company acquires commerce platforms the maintenance of integrations with payment service providers becomes an issue. The best thing is to keep the amount of developers needed to a minimum and reduce transaction costs to a minimum; therefore a centralized code base is best for a company. A gateway is described that allows a company to expose a web service based application programming interface (API) to the integrating commerce platforms. This allows for a simple standardized integration for all available payment methods with out the commerce platform about the payment service provider. This removes the complexity and redundant integrations that each platform needs to have with each of the payment service providers. An advanced arbitration engine allows for the gateway to decide what the best cost based payment service to use for the transaction.

A method of processing data for paying for at least one of item in a system having a Payment Gateway server and a mobile device is disclosed. The method includes steps of downloading an application by using address information in a memory of the mobile device, transmitting user information stored in the USIM of the mobile device to the PG server if the first phone number is identical with the second phone number, generating ID information for the user in the PG server, transmitting first barcode from the PG server to the mobile device if the mobile device requests a barcode to the PG server, transmitting request signal for second barcode from the mobile device to the PG server if a specific item is selected by the user of the mobile device, and transmitting the second barcode from the PG server to the mobile device.

In accordance with the present invention, when an appropriate transaction message is received by a payment gateway, instead of requesting an authorization of the transaction through the payment network, the payment gateway instead sends an authorization response back to the message originator. The payment gateway may perform authentication functions and send transaction data back to the message originator. In this way, the payment gateway may be used for authentication functions while the message originator may use its existing payment system protocols to conduct authorization functions.

A method and system to dynamically present a payment gateway to a content requestor commences when a content distributor receives a request for access to a content item provided by a content provider. The content distributor determines whether a first payment gateway of a first plurality of payment gateways is a preferred payment gateway. If the content distributor has recorded the first payment gateway as a first preferred payment gateway then the content distributor presents the first payment gateway to a content requester as an actual preferred payment gateway. If the content distributor has not recorded the first payment gateway as the first preferred payment gateway, then it presents a second preferred payment gateway, recorded by the content provider of the content item, as the actual preferred payment gateway to the content requester.

An electronic fund transfer (EFT) system for managing and transferring electronic funds from a user's financial account to a credit system includes a credit system configured to dispense credit to a user via physical or electronic credit means, an electronic fund transfer (EFT) device, a secure payment gateway configured to connect to the user's financial accounts via a financial asynchronous transfer mode (ATM) network, a host system connected to the credit system via a local network, a funds management portal connected to the host system and the secure payment gateway, and means for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway. The funds management portal accounts and reconciles the transferred electronic funds. All communications between the secure payment gateway and the host system pass through the funds management portal. The EFT device includes a secure client-side application for receiving instructions from the user for transferring electronic funds from the user's financial account to the credit system and means for transmitting the fund transfer instructions to the user's financial account. The EFT device is configured to connect to the secure payment gateway and to communicate with the user's financial account and to transmit the instructions for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway.

Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.

Methods for facilitating financial transactions include facilitating or otherwise increasing the ease and speed of checkout processes. In particular, one or more implementations comprise an e-commerce payment facilitator that acts as an intermediary between a commerce application and a payment gateway. The e-commerce payment facilitator can provide stored payment information to a commerce application based on a few simple selections by a user. This allows a user to easily and securely complete commerce transactions, which simplifies the user's checkout experience and reduces barriers to purchase. Furthermore, the e-commerce payment facilitator can pass payment details to the commerce application's payment gateway. In addition to the foregoing, methods involve dynamically and intelligently providing a user the option of using payment information stored by the network application.

The various embodiments herein provide a system for a secure electronic transaction. The system comprises a dongle connected to a computing device for reading an electronic card data, a client application running on the client device for collecting a transaction information from a customer, a service provider system connected to the computing device through a first communication network for transmitting the collected transaction information and the audio signal from the computing device to the service provider system, a production server located at the service provider system for processing the received card data, a payment server for processing the audio signal, a second communication network for transmitting a processed card data from the production server to a payment system and a payment gateway running on the payment system for interfacing with the service provider system. The payment system performs the financial transaction by authenticating the customer and a merchant.

An online payment system and a secure authentication method, including a customer, a merchant and a payment gateway connected over Internet; said payment gateway is responsible for processing payment information from the network, authenticating identities of the customer and the merchant and validating the validity of transaction; after a processing system in the payment gateway confirms the transaction is valid, said payment gateway sends a payment request and informs the two parties in the transaction of the payment information after the payment is accomplished; an assistant customer identity authentication system is arranged between the payment gateway and the customer, which connects the customer to the payment gateway in a non-Internet approach; the payment gateway generates an authorization code dynamically and transfers it to the customer via the assistant customer identity authentication system; the customer enters the authorization code on correct page in the payment gateway to pass identity authentication. The authentication method and the payment system greatly reduce the possibility that online data is stolen, by using both Internet and non-Internet authentication mode, and thereby improves security of online payment and delivers flexibility and convenience.

A method is provided for a mobile telephone users to pay small individual fees for certain content when surfing the Internet using a mobile telephone terminal, for example, a WAP-enabled terminal. The method establishes a payment gateway which is accessible by the mobile telephone Internet user via the mobile telephone terminal and by a provider via a provider server. Customer data of the user is held securely in a database of the payment gateway and is not transmitted over the Internet or held in the mobile terminal. A micropayment account opened at a bank is synchronized continuously with the payment gateway. To provide payment of fees for content, a reservation of a certain amount is made in the payment account via the payment gateway and is authorized by the user to the provider allowing the provider to debit amounts against the reservation. Actual charges are transmitted from the provider to the payment gateway and allocated against the reservation debiting the amounts from the micropayment account, crediting the provider and canceling the reserved amount.

Ticket buying client sides are installed in a mobile phone and a panel personal computer by a user, and once the ticket buying client sides are installed, a system unique identification number is built for the mobile phone according to information such as the machine number of the mobile phone, the mac (media access control) address, namely the hardware address, the model and the brand. The ticket buying client side on the mobile phone is connected with a ticket buying client server by virtue of the wireless internet or the mobile internet, the user inquires and selects the cinema of which the ticket is needed to be bought and the showing member of the film by virtue of the ticket buying client side, and selects the position and number of the seat which is needed to be bought on the client side, and after selecting, on-line payment is performed through connecting the ticket buying client side with an on-line payment gateway; after the payment is completed, the ticket is successfully bought; and the ticket buying server returns the relevant information of the bought cinema ticket back to the ticket buying client side, and a relevant ticket buying certificate is generated on the client side. The user can directly exchange the cinema ticket by virtue of a counter or directly issues the ticket by virtue of an automatic ticket printer when going to the cinema with the ticket buying certificate.

Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. A mobile device embedded with a secure element generates or is loaded with an electronic invoice. When the mobile device is brought to a consumer with an NFC mobile device, the data including the electronic invoice and other information regarding the mobile device or an owner thereof is read off wirelessly into the NFC mobile device. After the user verifies the amount being charged and authorizes the payment, the NFC mobile device communicates with a payment gateway or network for payment that is configured to proceed with the payment in accordance with a chosen payment methods.

A method of completing transactions using a device includes displaying a pictogram including transaction details associated therewith by a merchant. The mobile device acquires the pictogram. The mobile device or a remote server decodes the transaction details. The mobile device displays for a user the decoded transaction details. If the decided transaction details are acceptable to the user, the user accepts, via the mobile device, the decoded transaction details. The mobile device transmits a confirmation of acceptance by the user to a remote server. The remote server transmits a payment request for the payment amount reflected in the transaction details to a payment gateway. The payment gateway validates the payment request. The merchant and the device receive a payment confirmation.

A hosted PCI system for isolating a merchant ecommerce system from credit card data within the scope of PCI standards comprises a server responsive to communication from a purchaser's browser, redirected by the merchant system, for providing the purchaser's browser with a check-out page obtained from the merchant system that solicits the purchaser's actual credit card number. The hosted PCI system receives the purchaser's actual credit card number without exposing it to the merchant system, converts it to a mapped credit card which the merchant system can store without PCI compliance.When the hosted PCI system thereafter receives payment amount information with the mapped credit card number, it derives the actual credit card number from the mapped credit card number, sends the actual credit card number and payment amount information to a payment gateway on behalf of the merchant, and communicates the payment gateway's response to the merchant system.

A simple, non-intrusive, fraud free payment method for customers to make Internet purchases without using credit cards or revealing personal information. Customers can purchase any specific dollar amount of pay codes via on-line purchase by logging into their financial institution and purchasing the codes, via phone banking (using mobile phone or fixed telephone line) or via Automated Teller Machine (ATM). There is no need for the customer to first open an account with the payment service. The easy and fast set-up of a secure payment gateway for website merchants to receive payments for their goods purchased at their websites, eliminates the need of setting up a merchant account, chargeback and being penalized by banks for chargeback on sales. The amount due to the web merchant from the Internet transaction is credited directly into the merchant's bank account when the transaction and payment is approved by the customer's bank.

In accordance with the present invention, when an appropriate transaction message is received by a payment gateway, instead of requesting an authorization of the transaction through the payment network, the payment gateway instead sends an authorization response back to the message originator. The payment gateway may perform authentication functions and send transaction data back to the message originator. In this way, the payment gateway may be used for authentication functions while the message originator may use its existing payment system protocols to conduct authorization functions.

Methods and systems for loading and reloading prepaid cards are disclosed. A service layer of a payment facilitator receives a pay-and-load request to load a prepaid card with a desired amount from a mobile application installed at a mobile device. The pay-and-load request comprises payment details. The service layer retrieves a quote stored at the service layer that corresponds to the pay-and-load request. It then transmits, to a payment gateway, a payment authorisation request, which comprises the payment details and a payment amount indicated by the retrieved quote. In response, the service layer receives from the payment gateway an authorisation response. If the authorisation response indicates a successful authorisation, the service layer transmits a load request to load the prepaid card with the desired amount to a payment processing platform.

A network topology for efficient processing of consumer financial transactions includes an intermediary database server adapted for the secure collection and selective conveyance of financial information in facilitation of consumer financial transactions and a purchase gateway for accessing the intermediary database server for the provision by the purchaser of the purchaser's financial account data and for providing in response a unique code; an activation gateway for the subsequent secure collection of said unique code and a beneficiary's identifying information and redemption selection; and a payment gateway for secure conveyance by the intermediary database server to a third party of payment data, the third party being determined according to the beneficiary's identifying information and redemption selection. The identifying information generally takes the form of one of a predetermined set of media and the redemption selection is generally chosen from a predetermined set of choices.

The present invention discloses a bank transaction method linking accounts via common accounts, wherein the existing accounts of the account holder and / or newly opened plural accounts link arbitrarily as defined by the account holder for convenient transactions between account holder's primary account and other's secondary accounts without using account numbers of the concerned accounts. To fulfill, the purpose, the present invention enables the account holder to make transactions on a primary account as well on linked secondary accounts in real time; and the said primary and secondary accounts are also offered for independent transaction as ordinary bank accounts. In addition, the classification and management of the said primary and secondary accounts are attainable through the individual account number with specified account code given by the bank to achieve transactions between the said primary and secondary accounts while implementing the conventional banking system. Furthermore, transaction to the external transaction network including payment gateway can be processed without changing the existing data format, both of account holders' and bank's convenience is maximized.

The present invention discloses means, methods and apparatus to create a virtual store with means to provide shoppers the look, feel and shopping experience of retail store. Virtual store replicates the external and internal layout of corresponding retail store in a virtual environment. The virtual store comprises of virtual isles, virtual shelves and virtual products that replicate the isles, shelves and products of corresponding retail store. The arrangement of the virtual isles, virtual shelves and virtual products in the virtual store is similar to the arrangement of the isles, shelves and products in the corresponding retail store. A virtual shopping cart is provided with means to move the virtual shopping cart from first position to second position in the virtual store. Means is provided for shoppers to virtually add virtual products to the virtual shopping cart. A payment gateway is integrated with the virtual store. Additionally, virtual store has integrated peer to peer networking applications providing means for shoppers to communicate live with other shoppers, store staff etc.