Payment gateway with gateway database
OwnerChristopher Westinventor
Life of this patent
Estimating the term…
Abstract
A merchant server includes a payment gateway and a gateway database. The payment gateway receives payment information from a payment page. The payment gateway adjusts an amount to be paid to produce an adjusted amount to be paid. The payment gateway forwards the adjusted amount to a payment processing entity for payment approval. The database includes end user data accessible by an end user identifier generated by the payment gateway using selected items within the payment information. The amount to be paid is adjusted by the payment gateway based on end user data accessed from the gateway database.
Claims20
A merchant server, including hardware, comprising:
- a payment gateway, the payment gateway receiving payment information from a payment page, the payment gateway adjusting an amount to be paid to produce an adjusted amount to be paid, and the payment gateway forwarding the adjusted amount to a payment processing entity for payment approval;
- and, a gateway database, the database including end user data accessible by an end user identifier generated by the payment gateway using selected items within the payment information, wherein the amount to be paid is adjusted by the payment gateway based on end user data accessed from the gateway database.
A computer implemented method for completing a purchase transaction, the computer implemented method comprising:
- providing payment information received from an end user in a payment information page to a payment gateway, the payment information including an amount to be paid for a transaction;
- generating, by the payment gateway, an end user identification from selected items within the payment information received from the end user;
- using the end user identification to access end user data from a gateway database;
- using the end user data accessed from the gateway database to adjust the amount to pay be paid for the transaction to produce an adjusted amount to be paid;
- and,
- sending the adjusted amount to be paid along with addition selected items from the payment information to a payment processing network for approval.
Dependencies are inferred from the claim text.