Global integrated payment system
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United States of America Patent
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N/A
Issued Date -
Dec 11, 2003
app pub date -
Dec 12, 2002
filing date -
Dec 12, 2001
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
A system and method are provided for Internet payment enablement and support for merchants and acquirers or other financial institutions (FIs). The system accommodates different payment transactions and channels between customers and merchants, and between merchants and their FIs. A payment transaction manager (PTM) securely routes payment transactions from merchants via the system back-end to different FIs. The PTM accepts any payment transaction, from any device, using any protocol. The system provides merchants with a single integrated interface to their FIs, aggregated transaction data, and merchant enablement tools such as a Merchant Integrated Kit (MIK) to support different payment channels between customers and merchants via plugs, cartridges and hosted pay pages, and a Merchant Support Center for accessing and managing stored electronic transaction data. The system also provides merchant-facing products with Internet payment, virtual terminal, billing, point of sale and wireless solutions.
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