06072870 is referenced by 427 patents and cites 63 patents.

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 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.

Title
System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
Application Number
8/664633
Publication Number
6072870
Application Date
June 17, 1996
Publication Date
June 6, 2000
Inventor
Glenn A Kramer
San Francisco
CA, US
Daniel R Haller
Menlo Park
CA, US
Trong Nguyen
Sunnyvale
CA, US
Agent
Gardere & Wynne
Agent
Daniel J Chalker
Sanford E Warren Jr
Assignee
VeriFone
CA, US
IPC
G06F 17/60
H04L 9/00
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