WO1997049072A3 - A system, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture - Google Patents

A system, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture Download PDF

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Publication number
WO1997049072A3
WO1997049072A3 PCT/US1997/010519 US9710519W WO9749072A3 WO 1997049072 A3 WO1997049072 A3 WO 1997049072A3 US 9710519 W US9710519 W US 9710519W WO 9749072 A3 WO9749072 A3 WO 9749072A3
Authority
WO
WIPO (PCT)
Prior art keywords
token
date
transaction
transactions
column
Prior art date
Application number
PCT/US1997/010519
Other languages
French (fr)
Other versions
WO1997049072A2 (en
WO1997049072A9 (en
Inventor
David A Berger
Jay C Weber
Vilas I Nadapurmath
Original Assignee
Verifone Inc
David A Berger
Jay C Weber
Vilas I Nadapurmath
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Verifone Inc, David A Berger, Jay C Weber, Vilas I Nadapurmath filed Critical Verifone Inc
Priority to AU33993/97A priority Critical patent/AU3399397A/en
Publication of WO1997049072A2 publication Critical patent/WO1997049072A2/en
Publication of WO1997049072A3 publication Critical patent/WO1997049072A3/en
Publication of WO1997049072A9 publication Critical patent/WO1997049072A9/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Abstract

An architecture for processing a plurality of transactions from a single point of initiation is disclosed. The initiating computer selects a terminal identification token, and associates the token with a transaction request, thereby ensuring the association of the transaction with a unique terminal identification despite being originated by the same terminal. The tokens are obtained from a token table, which contains a row for each token defined to the system. The table includes a column for the token, a column that identifies a system with which the token may be used, and a column that identifies a date and time field indicating when a particular token was selected for use. A null value in the date-time field indicates that the token for that row is not in use. A query operation selects a token with a null date-time value, and a set operation sets the date-time value to the then-current time to mark it in use. At the conclusion of the transaction, a set operation sets the date-time value to null, enabling the token to be reused for another non-concurrent transaction.
PCT/US1997/010519 1996-06-17 1997-06-17 A system, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture WO1997049072A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU33993/97A AU3399397A (en) 1996-06-17 1997-06-17 A system, method and article of manufacture for processing plurality of transactions from a single initiation point on multichannel, extensible, flexible architecture

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US08/664,772 US5943424A (en) 1996-06-17 1996-06-17 System, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture
US08/664,772 1996-06-17

Publications (3)

Publication Number Publication Date
WO1997049072A2 WO1997049072A2 (en) 1997-12-24
WO1997049072A3 true WO1997049072A3 (en) 1998-02-19
WO1997049072A9 WO1997049072A9 (en) 1998-03-26

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/010519 WO1997049072A2 (en) 1996-06-17 1997-06-17 A system, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture

Country Status (3)

Country Link
US (1) US5943424A (en)
AU (1) AU3399397A (en)
WO (1) WO1997049072A2 (en)

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