Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Patent
1996-06-17
2000-09-12
MacDonald, Allen R.
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
705 26, 705 44, H04L 930, H04L 932
Patent
active
061191051
ABSTRACT:
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 not SET compliant 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.
REFERENCES:
patent: 3651511 (1972-03-01), Andrews et al.
patent: 3956615 (1976-05-01), Anderson et al.
patent: 4277837 (1981-07-01), Stuckert
patent: 4303904 (1981-12-01), Chasek
patent: 4454414 (1984-06-01), Benton
patent: 4614861 (1986-09-01), Pavlov et al.
patent: 4630201 (1986-12-01), White
patent: 4689478 (1987-08-01), Hale et al.
patent: 4766293 (1988-08-01), Boston
patent: 4799156 (1989-01-01), Shavit et al.
patent: 4849613 (1989-07-01), Eisele
patent: 4859837 (1989-08-01), Halpern
patent: 4877950 (1989-10-01), Halpern
patent: 4906828 (1990-03-01), Halpern
patent: 4935962 (1990-06-01), Austin
patent: 4968873 (1990-11-01), Dethloff et al.
patent: 4992646 (1991-02-01), Collin
patent: 4992940 (1991-02-01), Dworkin
patent: 5016274 (1991-05-01), Micali et al.
patent: 5030806 (1991-07-01), Collin
patent: 5175416 (1992-12-01), Mansvelt et al.
patent: 5221838 (1993-06-01), Gutman et al.
patent: 5283819 (1994-02-01), Glick et al.
patent: 5297030 (1994-03-01), Vassigh
patent: 5420405 (1995-05-01), Chasek
patent: 5440634 (1995-08-01), Jones et al.
patent: 5442791 (1995-08-01), Wrabetz et al.
patent: 5448045 (1995-09-01), Clark
patent: 5452352 (1995-09-01), Talton
patent: 5453601 (1995-09-01), Rosen
patent: 5455407 (1995-10-01), Rosen
patent: 5459304 (1995-10-01), Eisenmann
patent: 5465206 (1995-11-01), Hilt et al.
patent: 5465291 (1995-11-01), Barrus et al.
patent: 5475826 (1995-12-01), Fischer
patent: 5476259 (1995-12-01), Weingardt
patent: 5478993 (1995-12-01), Derksen
patent: 5485510 (1996-01-01), Colbert
patent: 5506832 (1996-04-01), Arshi
patent: 5557518 (1996-09-01), Rosen
patent: 5590038 (1996-12-01), Pitroda
patent: 5590197 (1996-12-01), Chen et al.
patent: 5666416 (1997-09-01), Micali
patent: 5671279 (1997-09-01), Elgamal
patent: 5671280 (1997-09-01), Rosen
patent: 5677955 (1997-10-01), Doggett et al.
patent: 5703949 (1997-12-01), Rosen
patent: 5712914 (1998-01-01), Aucsmith et al.
patent: 5715314 (1998-02-01), Payne et al.
patent: 5729594 (1998-03-01), Klingman
patent: 5742845 (1998-04-01), Wagner
patent: 5754772 (1998-05-01), Leaf
patent: 5793966 (1995-12-01), Amstein et al.
patent: 5809144 (1998-09-01), Sirbu et al.
Warr, Michael. "Business Wants Telecom of the Future--Today," Telephony's Supercomm Wrap-up, pp. 12-13. Apr. 1991.
Muller, R., "Lon-Das Universelle Netzwerk, Teil 1." Elektronik., vol. 40, No. 22, Oct. 29, 1991, Munchen De, pp. 59-69, XP000268228. (No Translation).
Snow, C.R. et al: "Simple Authentication" Software Practice & Experience., vol. 24, No. 5, May 1994, Chichester GB, pp. 437-447, XP0006555455, pp. 440-441.
Stallings, W. "Data and Computer Communications", 1994, MacMillan Publishing Co., New York, US, XP002069639, pp. 636-644, 663-666.
Anderson, R. et al. "NetCard--a Practical Electronic-cash System." International Workshop Proceedings, Security Protocols. International Workshop, Cambridge, UK, Apr. 10-12. p. 49. XP00203977.
Anderson, R.J., UEPS--A Second Generation Electronic Wallet, (1992) University of Cambridge Computer Laboratory, pp. 411-418.
Bank Systems Technology, SET Tool Kit for Secure Commerce, (May 1996) p. 16.
Bellare et al., iKP--A Family of Secure Electronic Payment Tools, USENIX Association, First USENIX Workshop on Electronic Commerce, (Jul. 11-12, 1995) pp. 89-106.
Camp et al., Token and Notational Money in Electronic Commerce, USENIX Association, First USENIX Workshop on Electronic Commerce, (Jul. 11-12, 1995), pp. 1-12.
Cox et al., NetBill Security and Transaction Protocol, USENIX Association, First USENIX Workshop on Electronic Commerce, (Jul. 11-12, 1995) pp. 77-88.
Software Taps Net for Supply Data Sharing, Purchasing, EBN, (Apr. 22, 1996), p. 50.
Flohr, U., Electronic Money, Byte, (Jun. 1996), p. 74.
Gifford, et al., Payment Switch for Open Networks, USENIX Association, First USENIX Workshop on Electronic Commerce, (Jul. 11-12, 1995), pp. 69-75.
Gosling, et al., The Java Language Environment a White Paper, Sun Microsystems Computer Company , (May 1995).
Jones, et al., Securing the World Wide Web, Smart Tokens and Their Implementation, World Wide Web Journal, O'Reilly & Associates, Inc., (Dec. 11-14, 1995), pp. 397-409.
Kamens, J., Retrofitting Network Security to Third-Party Applications--The SecureBase Experience, USENIS Association, UNIX Security Symposium IV, (1993) pp. 41-57.
Marshall, M., Banking on the Internet, Communications Week, (May 20, 1996).
Messmer, E., ActiveX Pioneer Pushes a Commerce, Network World, (May 6, 1996) p. 33.
Messmer, E., Edify Soft to Let Banks Open Doors Online, Netork World, (May 20, 1996).
Microsoft and VeriFone Announce Agreement to Deliver Commerce-enabled Internet Retailing Solutions, Microsoft Press Release, (Aug. 5, 1996) pp. 1-3.
What's Up Doc?, That's Infotainment, Mondex Magazine, (Summer 1996) pp. 8-10.
Ready to Go. The Trillion Yen Business, Mondex Magazine, (Summer 1996) pp. 27-29.
Morgan, L., Cashing In: The Rush is on to Make Net Commerce Happen, Internet World, (Feb. 1995), pp. 48-51.
Nash, et al., Vendors Deliver IS-Specific Apps Over the 'Net, News (May 6, 1996) p. 16.
Nee, E., Hatim Tyabji, Upside, (Sep. 1996) pp. 85-93.
Neuman, et al., Requirements for Network Payment: The NetCheque.TM. Perspective, University of Southern California, (1995) pp. 32-36.
Rodriguez, K., Pushing the Envelope, Communications Week, (May 13, 1996) pp. 37-39.
Rupley, S., Digital Bucks? Stop Here, PC Magazine, (May 28, 1996), pp. 54-60.
Semilof, M., Boosting Web Business, Communications Week, (May 20, 1996) pp. 31-32.
Sibert et al., The DigiBox: A Self-Protecting Container for Information Commerce, First USENIX Workshop on Electronic Commerce , (Jul. 11-12, 1995), pp. 171-183.
Sliwa, C., Netscape Unveils New 'Net Commerce Offerings, Network World, (May 13, 1996) p. 10.
Singleton, A., Cash on the Wirehead, Byte, (Jun. 1995) pp. 71-78.
Tang, et al., A Set of Protocols for Micropayments in Distributed Systems, First USENIX Workshop on Electronic Commerce , (Jul. 11-12, 1995) pp. 107-115.
Trommer, D., GE/Netscape Form Software Venture: Will Focus on Electronic Commerce Solutions, EBN, (Apr. 22, 1996) p. 54.
Vaughan-Nichols, Steven, XVision Turns a PC Into X Terminal for Unix, VMS Host, Government Computer News, Jul. 8, 1996, pp. 38, 42.
Vincenzetti et al., STEL: Secure TELnet, 5th UNIX Security Symposium, Jun. 5-7, 1995.
Wiggins, Richard, Business Browser: A Tool to Make Web Commerce Secure, Internet World, Feb. 1995, pp. 52, 54, 55.
Yacobi, Yacov, Efficient Electronic Money, Official Gazette, Apr. 23, 1996, p. 2976.
Yee et al., Secure Coprocessors in Electronic Commerce Applications, First USENIX Workshop on Electronic Commerce, Jul. 11-12, 1995, pp. 115-169.
ABA Banking Journal, Will SET Kill Card Fraud On the Internet?, Apr., 1996, pp. 237-238.
Advertising Age, Visa Turns To Redgate for Online, CD-ROM Work;
Chalker Daniel J.
MacDonald Allen R.
Myhre James W.
Veri-Fone, Inc.
Warren, Jr. Sanford E.
LandOfFree
System, method and article of manufacture for initiation of soft does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with System, method and article of manufacture for initiation of soft, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and System, method and article of manufacture for initiation of soft will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-105037