Credit card SMS portal transmission system and process
OwnerIvan Silva, Alvaro Pereira de Moraes Filhoinventors
Life of this patent
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Abstract
A point-of-sale payment system for facilitating remote payment of goods and services is described. A point-of-sale (POS) terminal communicates secure point-of-sale financial information to an authentication gateway through a wireless network. The authentication gateway instructs an e-commerce gateway to place an order for at least one item and to transfer funds associated with the at least one item to a respective account. The e-commerce gateway validates the request from the authentication gateway and notifies the authentication gateway whether the transaction was successful. The authentication gateway forwards the status to the POS terminal.
Claims42
A point-of-sale payment system, comprising:
- a point-of-sale (POS) terminal;
- a wireless network;
- an authentication gateway;
- and
- an e-commerce gateway,
- wherein the POS terminal communicates secure point-of-sale information with the authentication gateway through the wireless network, and the authentication gateway prepares instructions for a fund transfer and transmits the instructions to the e-commerce gateway, and the e-commerce gateway executes the instructions.
An apparatus for facilitating a point of sale (POS) payment transaction, comprising:
- a storage device;
- a processor connected to the storage device;
- and
- a program for controlling the processor, said program stored on the storage device,
- wherein the processor is operative with the program to receive a remote payment request from a merchant, wherein said processor identifies the merchant, creates instructions for facilitating the payment request and transmits the instructions to a web page for performing the payment request.
A method for using a computer to facilitate a point-of-sale payment between a buyer and a merchant, comprising the steps of:
- inputting financial information relating to the buyer into the computer;
- identifying the merchant requesting the transaction;
- creating code that automatically fills in purchase information on a merchant's web page;
- and
- transmitting the code to the merchant's web page, wherein the merchant's web page executes the code.
A point-of-sale payment method, comprising the steps of:
- communicating financial information from a point-of-sale (POS) terminal to an authentication gateway, wherein the communications are secure and conducted through a wireless network;
- constructing instructions for an e-commerce gateway to perform an electronic fund transfer, wherein the instructions are constructed by the authentication gateway;
- and
- transmitting the instructions to the e-commerce gateway, wherein the e-commerce gateway executes the instructions and reports a result to the authentication gateway, and the authentication gateway reports the result to the POS terminal.
Dependencies are inferred from the claim text.