System and arrangement for processing payments for purchases...

Details System and arrangement for processing payments for purchases... System and arrangement for processing payments for purchases...

2001-06-29

2008-09-23

Poinvil, Frantzy (Department: 3692)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S038000, C705S03600T, C705S005000

Reexamination Certificate

active

07428507

ABSTRACT:
A system and an arrangement that process payment requests received from a number of distinct data communication devices via respective communications channels and consistent with different communications protocols. In an example embodiment, a payment processing system includes a plurality of data communications devices that transmit a plurality of payment requests in connection with purchases via respective communication channels. Each transmitted payment request includes a merchant identification code and a set of customer financial account data. The system further includes a payment server arrangement that receives the payment requests from the data communications devices at the respective channels via a plurality of adapter modules corresponding to each of the communication channels. Each of the adapter modules includes a payment processing application that identifies a financial institution identification code associated with the merchant identification code. The adapter modules interface with a data processing system of the financial institution consistent with a communications protocol associated with the identified financial institution.

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Wmode Demonstrates “ClearMode” Advanced Wireless Internet Clearinghouse At CTIA Show Business Editors and High-Tech Writers. Business Wire. New York: Mar. 19, 2001 . p. 1.

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