Hewlett-packard Company

Verifone Gmbh

Kevin T B Rowney

Glenn A Kramer

Jay C Weber

Trong Nguyen

Daniel R Haller

David A Berger

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 formats transaction information appropriately and transmits the transaction to the particular host legacy system. The host legacy system evaluates the payment information and returns a level of authorization of credit to the gateway which packages the information to form a secure transaction which is transmitted to the merchant which is in turn 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 basic SET protocol, is provided by a preferred embodiment of the invention. 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. An architecture for transmitting messages from a merchant-controlled computer system, such as a server, to an acquirer-controlled computer system, such as a gateway, is disclosed. The merchant-controlled computer system defines messages as text name-value pairs, and encrypts them using an encryption scheme such as PKCS-7. The encrypted name-value pairs are encoded into a text sequence using a text-encoding scheme such as Multipurpose Internet Mail Extensions encoding. The messages are transmitted to the acquirer-controlled computer as payload data in a transmission block. The messages may be used, for example, to command the acquirer-controlled computer to perform settlement/reconciliation, to notify the acquirer-controlled computer of a logon or logoff operation, or to request the acquirer-controlled computer to transmit its parameter values.

System, method and article of manufacture for transmitting messages within messages utilizing an extensible, flexible architecture

An architecture is disclosed allowing a server to communicate bidirectionally with a gateway over a first communication link, over which service requests are initiated by the server. In response to a transaction received from a host legacy system at the gateway, the gateway parses one or more transaction response values from the host message, maps the one or more transaction response values to a canonical response code, and stores the canonical response code in a transaction log. According to a broad aspect of a preferred embodiment of the invention, communication networks that employ transactions between applications must effectively manage transactions that flow over the network. In addition, networking systems must also detect counterfeit transactions, especially, when the networking systems are utilized for financial transactions. An active, on-line database is utilized as a transaction log to track original requests, valid retrys and detect fradulant transactions. The transaction log serves as a memory cache where the received host response is returned to a valid retry transaction should the original response fail to reach a server because of a communications problem.

System, method and article of manufacture for managing transactions in a high availability system

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.

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San Francisco, CA, United States of America

Kevin T B Rowney