USO0RE40753E

(19) United States (12) Reissued Patent

(10) Patent Number: US RE40,753 E (45) Date of Reissued Patent: Jun. 16, 2009

Wang et a]. (54)

METHOD AND SYSTEM FOR CONDUCTING BUSINESS IN A TRANSNATIONAL E COMMERCE NETWORK

Microsoft Press Computer Dictionary, third edition, p. 154, 1 997 . *

(76) Inventors: Tiejun (Ronald) Wang, 1600 S. Joyce St., Apt. 1406, Arlington, VA (US) 22202; Ximing Wang, 1600 S. Joyce St., Apt. 1406, Arlington, VA (US) 22202; Tiehong Wang, 1600 S. Joyce St., Apt. 1406, Arlington, VA (US) 22202

Wilder, Clinton, “Suite for Eicommerce”, InformationWeek, n699, pp. 75476, Sep. 7, 1998* Lei Tang, “A Set of Protocols for Micropayments in Distrib uted System” Graduate School of Industrial Administration (1 995) . *

Jackie Cohen, “Merchant Server Market Heats Up” Bank

Technology NeWs, v10n2 p1+, Feb. (1997), Dialog Flie 9, 01754948.*

(21) Appl.No.: 11/214,311 (22) Filed:

OTHER PUBLICATIONS

Chong Ka Lung, “Internet Payment Methods:Mechanism, Application, and Experimentation” Department of Com

Aug. 30, 2005

puter Science and Engineering, Dec. 1999* Related US. Patent Documents

Primary ExamineriMichael Cuff (74) Attorney, Agent, or FirmiSughrue Mion, PLLC

Reissue of:

(64) Patent No.: Issued: Appl. No.: Filed:

6,618,705 Sep. 9, 2003 09/552,681 Apr. 19, 2000

(57)

ABSTRACT

The invention presents a method and system for processing

the purchase of products, goods and/or services, more (51)

Int. Cl. G06F 17/60

particularly, to a method and system for processing the pur

(2006.01)

(52)

US. Cl. ............................ .. 705/26; 705/27; 705/41;

(58)

Field of Classi?cation Search .................. .. 705/26,

705/44; 705/53; 705/80

705/27, 41, 44, 53, 80 See application ?le for complete search history. (56)

References Cited

chase by a buyer of products from one or more sellers of products in an on-line real-time e-Commerce business envi ronment Where the merchant server from Which the goods

are purchased lacks adequate encryption security for the pur chasing of the goods by credit card. The method and system also alloWs for the easy up-dating registration by a merchant of the items available for purchase as maintained on the Web, DB server. The invention also discloses a method and

system for avoiding the hindrance of foreign exchange rates ?uctuations on the payment of on-line real-time

U.S. PATENT DOCUMENTS 5,329,589 A

7/1994 Fraser

(Continued) FOREIGN PATENT DOCUMENTS WO WO

99/07121 WO0l52l27

* *

e-Commerce trading. The system provides for a splitting of a merchant server into a Web, DB server and a payment server, the payment server being located in a nation state to Which a

purchaser may securely transmit encrypted credit card infor mation in order to purchase product available on Websites maintained on the Web, DB server.

2/1999 7/2001

89 Claims, 5 Drawing Sheets Web,DB Server

/

%

China . USA 8: Europe

/

Buyers’ bank

Payment Server in USA

Acquiring Bank

Merchants

US RE40,753 E Page2

U.S. PATENT DOCUMENTS 5,557,518 A

9/1996 Rosen

5,590,197 A

12/1996 Chen

5,621,797 A 5,642,419 A

5,671,279 A 5,671,280 A

5,903,878 A

5,926,798 A 5,950,172 A 5,960,411 A

6,023,686 A

8/2001 Davis etal.

9/1997 Elgamal .................... .. 380/23 9/1997 Rosen

6,405,176 B1 6,452,924 B1 *

3/1998 BeZos

6,490,567 B1

*

3/1998

6,598,028 B1 *

7/2003

6,601,037 B1

7/2003 K0118

Klingman .................. .. 705/26

5/1998 Rose * 10/1998 Ogram ...................... .. 705/26

10/1998 Stein ,,

,, ,,

,,

5,991,750 A 6,021,187 A

6,282,522 B1 *

*

5,826,241 A 5,899,980 A

8/2000 Davisetal. ................. ..705/41 2/2001 Joffe et a1. ................ .. 709/229

6,327,578 B1 * 12/2001 6,332,134 B1 * 12/2001

5,757,917 A 5,822,737 A

2/2000 Kravitz

4/1997 Rosen 6/1997 Rosen

5,727,163 A 5,729,594 A

6,029,150 A 6,105,008 A * 6,185,619 B1 *

.

5/1999

W11fet a1. ................... .. 705/26

5/1999

Talatletal. ................. .. 705/26

.

7/1999 carter

. 9/1999 Kllngman .................. .. 705/26

9/1999

Hartman

11/1999 Watson ...................... .. 705/26 *

2/2000

Tombetti

2/2000 Brown

............. ..

6/2002 Toohey 9/2002 Golden etal. ............. .. 370/352

12/2002 Gregory Sullivan eta1~

6,604,086 B1

8/2003 KOHF

6,856,975 B1

2/2005 Inglls

6,941,270 B1 *

6,959,873 B2

6,985,888 B1 6,993,320 7,051,001 7,080,070 200l/0039535

9/2005

11/2005

Hannnla ...................... .. 705/1

.

Kayanak1s Brune Slater ........................ .. 705/39 . . Gavannl .. 707/5 T. . t 1 705m Sloumse 3'

* cited by examiner

--------- -- 705/36R

1/2006 Cordery

B1 1/2006 B1 5/2006 B1 7/2006 A1,, 110001

379/110.01

.. 705/41

Linehan ..................... .. 705/26 Foster ....................... .. 705/39

""""""" "

US. Patent

Jun. 16, 2009

Sheet 1 of5

US RE40,753 E

K \

B Myer-‘s 11:2 11 k

\

I 23bit \ \

L 01‘

Merchant Sea-vex‘

A cq airing Bank FIG. I

US. Patent

Jun. 16, 2009

Sheet 2 of5

US RE40,753 E

Web,I)B Server 813

A’ l

1 28bi t |I

SSL or

I

,

SET :

\

‘5 INTERNET

27

W

l I

+

Payment Server in USA

Acquiring Bank F16, 2

(AMENDED)

Merchants

US. Patent

Jun. 16, 2009

Sheet 3 0f 5

-

/

US RE40,753 E

China . USA & Europe

/

//

’ ‘1*

4_. Payment Server in USA

Acquiring Bank FIG. 3

Merchants

US. Patent

Jun. 16, 2009

Sheet 4 of5

US RE40,753 E

START

MERCHANTS PROVIDE PRODUCT LISTING TO DB. WEB SERVER

I BUYER BROWSES WEB, DB SERVER, SELECTS PRODUCTS AND DECIDES ON CREDIT CARD PURCHASE II

BUYER SWITCHED FROM WEB, DB SERVER TO PAYMENT SERVER

BUYER TRANSMITS CREDIT CARD PAYMENT INFORMATION

r

PAYMENT SERVER TRANSMITS CREDIT CARD PAYMENT INFORMATION TO ACQUIRING BANK u

ACQUIRING BANK PROCESSES INFORMATION AND TRANSMITS INFORMATION TO BUYER'S BANK FOR CONFIRMATION OR REJECTION PROCESSING

F I G A (AMENDED)

US. Patent

Jun. 16, 2009

Sheet 5 of5

US RE40,753 E

I ACQUIRING BANK TRANSMITS RESPONSE FROM BUYER'S BANK TO PAYMENT SERVER II

PAYMENT SERVER PROVIDES RESPONSE TRANSMITTED BY ACQUIRING BANK TO BUYER II

IF PURCHASE CONFIRMED TO BUYER. PAYMENT SERVER COMMUNICATES PURCHASE INFORMATION TO WEB, DB SERVER I

WEB. DB SERVER PROVIDES PURCHASE CONFIRMATION INFORMATION TO MERCHANT

FIG.4B

US RE40,753 E 1

2

METHOD AND SYSTEM FOR CONDUCTING BUSINESS IN A TRANSNATIONAL E COMMERCE NETWORK

the buyer’s credit card (buyer bank). Further, con?rmation or response of information to the buyer can likewise be for

warded to the buyer from the merchant server by similarly secure encryption techniques. Within most advanced e-Commerce nations where credit cards are used to purchase products over the Internet, the merchant servers function

Matter enclosed in heavy brackets [ ] appears in the original patent but forms no part of this reissue speci?ca tion; matter printed in italics indicates the additions made by reissue.

with adequately secure encryption and decryption tech niques for the exchange of credit card information. However, circumstances exist that a buyer in one nation state will not execute a purchase of products from a mer

FIELD OF THE INVENTION

chant server located either in the same nation state or in a

The present invention relates generally to a method and a

second nation state because adequately secure encryption

system of processing the purchase of products, goods and/or

and decryption techniques for the exchange of credit card information among the buyer, merchant server, acquiring

services, more particularly, to a method and system for pro

cessing the purchase by a buyer of products from one or

bank and buyer’s bank cannot be achieved. The buyer will very likely not purchase products from a merchant server,

more sellers of products internationally in an e-Commerce business environment.

without available adequate or compatible encryption and decryption techniques to aid in the transmission of credit

BACKGROUND OF THE INVENTION

As the modern world has learned, when the barriers to trade have been reduced or eliminate, whether they be bor ders or custom, the purchase and sale of products and ser

20

card information. (It is noted that a policy of a nation state, for instance, the United States of America with respect to

restrictions in the export of encryption technology systems, or, for instance, another nation state with respect to barriers

vices has increased globally. E?iciency in production and

to the importation and/or the lack of adequate encryption

the allocation of resources to lower cost producers in many former third world countries has led to an expansion and

technology systems or compatible encryption technology systems arising from high infrastructure capital investment

25

globalization of trade and markets. This has resulted in increased trade for countries such as the People’s Republic of China that has become the dominant exporter of products to the United States of America. The introduction and

advancement of information technology, particularly

30

concerns or regulations, pose an obstacle to safe

e-Commerce credit card information online transactions.) In addition to the hindrance posed by the credit card security issue for the realization of transnational e-Commerce, the existence of foreign exchange rate ?uctuations presents a

so-called “on-line” interactions between computer users has

major obstacle to achieving the smooth functioning of

further promoted an expansion from local markets to national market, regional markets and international markets. In the past several years there has been an explosive growth in the use of globally-linked network of computers known as the Internet, and in particular of the World Wide Web (WWW), which is a facility provided on top of the Internet. The WWW, the universe of Internet-accessible information, comprises many pages or ?les of information,

e-Commerce across borders.

35

distributed across many different server computer systems.

40

SUMMARY OF THE INVENTION A method and system are disclosed which permits a buyer

does not provide such techniques.

The availability of this interconnectivity across distances has opened markets previously deemed too remote for effective trading. Further, access to the WWW has empowered real time access to buyers seeking seller of products and sellers

seeking buyers for products which was beyond imagination

45

direct marketing and sales occurring on-line. 50

the otherwise non-secure transmission environment of the

Internet, a buyer can purchase the products on-line through an encrypted credit card transaction, the transfer of credit card information being made under a security protocol, for instance, a Security Socket Layer Protocol (SSL), very com

An object of the invention is to provide a method and system which overcomes the lack of adequately secure encryption and decryption in a merchant server to which a

buyer wishes to provide credit card information for the pur chase of products posted on such merchant server. Another object of the invention is to promote the avail

a mere generation ago. Such empowerment has resulted in the rapid development of commerce on the Internet, with

In the United States of America, a buyer may browse the Internet to determine available products and then purchase those products. In this era of credit card fraud and theft, in

requiring adequately secure encryption and decryption tech niques for purchasing products from a merchant server that

55

ability of product to buyers through expanding the method and system by which the buyers’ credit card information can be subjected to adequately secure encryption and decryption in the Internet environment. A further object of the invention is to promote an on-line purchase from a merchant that would not otherwise achieve

sales due to incompatible credit card information encryption systems between the acquiring bank and the buyer’s bank. An additional object of the invention is enhanced inven tory control and production for merchants and merchant manufacturers through the provision of a real-time purchasing/ sales environment via the mechanism of a

monly a 128 bit protocol, that provides a high degree of security. Such encryption is provided to a browsing potential

readily refreshed cache on a web server.

buyer by means of the merchant server having obtained a

card information for the buyer at the buyer’s terminal before

method of transacting real-time sales internationally that promotes certainty of business costs through the limiting of the impact of currency ?uctuations. Additionally, an object of the invention is the enabling of

it is transmitted over the Internet to the merchant server that

a bidding system for products in a merchant server, the pur

digital certi?cate from a quali?ed Certi?cate of Authority

A further additional object of the invention is to provide a 60

(CA). The encryption security provides encryption of credit then subjects the information to processing through the established channels maintained by ?nancial institutions for completing the credit transaction between the merchant server’s bank (acquiring bank) and the bank represented by

chaser submitting needs requirements in solicitation of bids 65

from merchants providing products. Another object of the invention, by locating the Web, DB server close to the buyers with a high-speed local network, is

US RE40,753 E 3

4

to resolve the problem of bandwidth bottleneck occurring in

same nation state of the buyer or in another nation state; a

cross-border intemet transmission, particularly high-speed

payment server 33 separate from the WEB, DB server 32,

transmission for multimedia ?les that may not pass current

the payment server 33 having a credit card information secu

international WWW network connections quickly and

rity system suf?cient to meet a buyer’ s security requirements for making a purchase, and being located in either the same

smoothly.

nation state as the buyer or in another nation state; an acquir

A more complete understanding of the present invention,

ing bank 34; and a buyer’s bank. When a product displayed

as well as further features and advantages of the present

on a particular merchant website on the server 32 is deter

invention, will be obtained by reference to the following

mined by the buyer to be purchased and the buyer indicates a desire to submit credit card information, the buyer is shifted

drawings and detailed description.

to the payment server 33 for direct communication therewith for entry of credit card information onto the secure transac tion system. The payment server 33 then transmits the

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic illustrating the conventional Internet transaction system where the merchant server provides adequately secure encryption, for example 128 bit SSL or SET, for the transmission of credit card information over the internet. FIG. 2 is a schematic illustrating the inventive system in which the merchant server does not provide adequately secure encryption for the transmission of credit card infor

encrypted information to the acquiring bank 34 that decrypts the information, as necessary, and forwards the information

through established ?nancial circuitry to the buyer’ s bank 36 that processes the information for debiting against the credit card account of the buyer 20. The buyer’s bank 36 then replies via established ?nancial transmission circuitry to the acquiring bank 34. The acquiring bank 34 then replies 20

mation over the Internet, wherein the payment server is

located in the United States; FIG. 3 is a schematic illustrating the inventive method in which the merchant server does not provide adequately secure encryption for the transmission of credit card infor

information provided and authenticated by the buyer’s bank 36. If the purchase is con?rmed, the payment server 33 will

provide purchase information to the buyer 20. Further, if the 25

mation over the Internet, wherein the payment server is

located in the United States; FIG. 4A is a ?owchart describing the ?rst portion of the method illustrated in FIG. 3; FIG. 4B is a ?owchart describing the second portion of the

purchase is con?rmed to the buyer 20, the payment server 33 communicates the purchase to the WEB, DB server 32 whereby the merchant 30 whose product is sold is provided

with notice of the purchase thereby enabling refreshment of product inventory and updating of its website on the Web, 30

method illustrated in FIG. 3.

DB server 32. The net result is the real-time purchase of a

product using the Internet. Additionally, in the inventive system, the server 32 is pro vided with the facility whereby each of merchants may pro

DETAILED DESCRIPTION OF THE INVENTION FIG. 1 shows a conventional Internet transaction system

through the secure transaction system to the payment server 33 with con?rmation or rejection based upon the credit card

vide products available for purchase into a database on the 35

server which functions similar to a cache in a computer. A

having adequate credit card information security, in this case

merchant may refresh or update the stored data, as needs

128 bit SSL or SET protocol security under a Certi?cate of Authority, where one or more buyers 20 may browse the

required, at any time, thereby permitting the server to main

product website(s) of merchant server 22. When a product

a merchant in response to noti?cation of purchase by the server 32, may take immediate steps to update information

displayed on a particular merchant website on the merchant

tain the latest information regarding available product. Thus, 40

server 22 is determined by a buyer to be purchased, the credit card information is entered onto the secure transaction

system. The merchant server 22 then transmits the encrypted information to the acquiring bank 24 that decrypts the information, as necessary, and forwards the information

through established ?nancial circuits to the buyer’s bank 26 that processes the information for debiting against the credit card account of the buyer 20 and for crediting payment to the merchant. The buyer’s bank 26 then replies via established ?nancial transmission circuits to the acquiring bank 24. The acquiring bank 24 then replies through the secure transaction encryption system to the buyer 20 with con?rmation or rejection based upon the credit card information provided and authenticated by the buyer’s bank 26. If the purchase is con?rmed, the acquiring bank 24 will provide purchase con ?rmation information to the buyer 20 through payment

45

in relation to inventory and anticipated production. Also, in the inventive system, given that the merchants have product information stored on the server, a facility is provided to permit a perspective purchaser to submit a needs requirement to the server 32 and makes the requirement

accessible to all merchants having responsive products on the server thereby permitting real-time response to the requirement rather than to delayed submission of bids aris

ing product information being stored outside of the server. 50

55

The systems in FIG. 1 and FIG. 2 are illustrated with secure credit card information transmission systems of the 128 bit SSL or SET. The illustration of these systems is not a limitation but is an indication of available bit level and secu

rity protocol. Other bit level and protocol systems are usable so long as they provide adequate security for the encryption of credit card information transmitted over the Internet.

server 33. The net result is the real-time purchase of a prod

Further, the payment server 33 may provide the buyer with the option of a variety of secure encryption systems. Further, in FIG. 2, the indicia of China, USA & Europe with respect

uct using the Internet. FIG. 2 shows the inventive system for the conducting of

an Internet transaction wherein at least one merchant 30 60 to the Web, DB server 32, and the indicia of “in USA” with respect to the payment server 33, are illustrative and in no way limiting as to the location of either servers.

maintains a website of products available for sale on the Web, DB (Database) server 32. In this case, server 32, in contradistinction to the merchant server 22 in FIG. 1, does not have a credit card information transaction security sys

tem suf?ciently adequate to meet the security requirements of a buyer for making a purchase. The elements of the sys tem are the Web, DB server 32, which is located in either the

65

FIG. 3 illustrates the inventive method by which the sys tem of FIG. 2 is operated in conducting business in an e-Commerce network. The steps of the process are indicated by encircled numbers 1 through 10, which for ease of description are addressed simply as steps 1 through 10.

US RE40,753 E 6

5 Step 1

third communication channel connecting the Web, DB server to the payment server, the method comprising the

Merchants 30 provide Web, DB Server 32 With a listing of products available for sale. Step 2 One of buyers 20 broWses Websites of Web, DB Server 32 for products available for sale, selects product(s) for pur chase and indicates payment by credit card. Step 3

steps of: a) positioning the Web, DB server in one of a ?rst nation state and a second nation state;

b) positioning the payment server in the ?rst nation state; c) using the at least one ?rst remote computer to identify

The buyer 20 is sWitched from Web, DB Server 32 to

an item to be purchased from at least one item regis tered for purchase on the Web, DB server;

payment server 33 for secure encryption transmission of

d) communicating a purchase request for the item identi ?ed to be purchased by a buyer from the at least one ?rst remote computer to the Web, DB server;

credit card payment information.

Step 4

e) sWitching of communication from the buyer With the

Buyer 20 transmits credit card payment information under

Web, DB server to the payment server;

a secure encryption protocol.

f) providing credit card payment information by the buyer

Step 5

for the item to be purchased from the at least one ?rst remote computer to the payment server;

Payment server 33 transmits encrypted credit card pay ment information to acquiring bank 34.

Step 6 Acquiring bank 34 processes encrypted credit card pay

g) transferring credit card payment con?rmation informa 20

ment information and transmits information to buyer’s bank 36 Which con?rms or rejects credit card payment and

responds to acquiring bank 34, and if con?rms, internally debits buyer’s account and credit’s merchant’s account.

25

Step 7 Acquiring bank 34 transmits encrypted response from buyer’s bank 36 to payment server 33.

Step 8 Payment server 33 provides encrypted response transmit

30

ted by acquiring bank 34 to buyer 20. Step 9 If purchase is con?rmed to buyer 22, payment server 33 communicates the purchase information to the Web, DB

35

tion from the payment server to the Web, DB server; and

h) up-dating the Web, DB server With respect to the pur chase of the item identi?ed by the buyer. 2. The method of claim 1, Wherein the second nation state has no available credit card information transaction security suf?cient to meet the security requirements of the buyer. 3. The method of claim 2, Wherein the ?rst nation states is the United States of America. 4. The method of claim 2, Wherein the second nation states is the People’s Republic of China. 5. The method of claim 1, further comprising the steps of: i) transferring the credit card payment information for the item to be purchased from the payment server to a buy er’s bank via an acquiring bank;

server 32.

j) processing of the credit card payment information by

Step 10

the buyer’s bank for a validation decision result; and k) communicating the result to the payment server via the

Web, DB server 32 provides purchase con?rmation infor mation to selling merchant 30. Through the above-described method a merchant main

acquiring bank. 40

l) communicating con?rming purchase information by the

taining a Website of products for sale on a server Which itself

payment server to the buyer.

cannot provide an adequately secure encryption system for the transmission of credit card information to sell to a buyer Who Would otherWise not purchase products on the lntemet. FIGS. 4A and 4B provide ?oW charts of the above

7. The method of claim 6, further comprising the step of; 45

described method, the information provided in the How

50

registered for purchase using the at least one second remote computer. 9. The method of claim 5, further comprising the step of:

i) exchanging buyer purchase information betWeen the Web, DB server and the at least one second remote

computer With respect to the purchase of the item iden

What We claim is: 55

ti?ed by the buyer to include buyer’s identity informa tion and quantity purchased in order for merchant to provide and service the at least one item registered for

e-Commerce transnational business environment, purchas ing being conducted over a computer netWork comprising a payment server having a credit card information transaction security system, a Web, DB server having a credit card infor mation transaction security system less secure than the credit

the Web, DB server.

n) up-dating of the Web, DB server of the at least one item

departing from the scope and spirit of the invention. 1. A method for conducting on-line purchasing in an

m) communicating con?rming purchase information to 8. The method of claim 7, further comprising the step of:

charts being incorporated herein by reference. It is to be understood that the embodiments and variations shoWn and described herein are merely illustrative of the principles of this invention and that various modi?cations may be implemented by those skilled in the art Without

6. The method of claim 5, further comprising the step of:

purchase. 10. The method of claim 1, further comprising the step of: 60

i) up-dating of the Web, DB server of the at least one item

server, at least one ?rst remote computer, at least one second remote computer, at least one ?rst communication channel

registered for purchase using the at least one second remote computer. 11. The method of claim 1, further comprising the step of:

connecting the at least one ?rst remote computer to the pay

i) exchanging buyer purchase information betWeen the

card information transaction security system of the payment

ment server and to the Web, DB server, at least one second 65

Web, DB server and the at least one ?rst remote com

communication channel connecting the at least one second remote computer to the Web, DB server, and at least one

puter With respect to the purchase of the item identi?ed

by the buyer to include buyer’s identity information and

US RE40,753 E 8

7 quantity purchased in order for merchant to provide and

wherein the payment server has a respective internet

address di?'erent from a respective internet address of

service the at least one item registered for purchase.

12. A system for conducting on-line buying by a buyer in

the Web, DB server;

wherein, after the payment server transfers the payment con?rmation information to the Web, DB server, the

an e-Commerce transnational business environment com

prising:

Web, DB server is updated with respect to the purchase

a payment server having a credit card information transac

of the item identified by the buyer;

tion security system,

wherein the Web, DB server provides a real-time

a Web, DB server having a credit card information trans

purchasing/sales environment; wherein the transmission of information regarding prod

action security system less secure than the credit card

information transaction security system of the payment

ucts for sale between the Web, DB server and the buyer,

server, at least one ?rst remote computer,

before receiving the purchase request from the buyer, is

at least one second remote computer, at least one ?rst communication channel connecting the at least one ?rst remote computer to the payment server

sion of the information regarding credit card payment is performed under a security protocol providing for

and to the Web, DB server, at least one second communication channel connecting the at least one second remote computer to the Web, DB server, and at least one third communication channel connecting the Web, DB server to the payment server, Wherein the Web, DB server is positioned in one of a ?rst nation

less secure than the transmission of the information regarding credit card payment, wherein the transmis

encryption ofthe credit cardpayment information. 18. The methodfor conducting online purchasing, as set forth in claim 17, wherein the payment server operates pay ment information transmission with a secure encryption pro 20

encryption protocol is 128 bit SSL. 20. The methodfor conducting online purchasing, as set

state and a second nation state and the payment server

is positioned in the ?rst nation state. 13. The system of claim 12, Wherein the ?rst nation state is the United States of America. 14. The system of claim 12, Wherein the Web, DB server is positioned in the second nation state. 15. The system of claim 12, Wherein the Web, DB server is positioned in the ?rst nation state. 16. The system of claim 12, further comprising a buyer’s bank and an acquiring bank. 17. A method for conducting online purchasing, in an

25

e-Commerce business environment, the purchasing being

35

forth in claim 18, wherein the Web, DB server does not oper ate payment information transmission with a secure encryp

tion protocol. 2]. The methodfor conducting online purchasing, as set

forth in claim 17, wherein the payment con?rmation infor 30

mation from the payment server is provided to the respective merchant.

22. The methodfor conducting online purchasing, as set forth in claim 17, wherein the payment con?rmation infor mation from the payment server is provided to the buyer 23. The methodfor conducting online purchasing, as set forth in claim 17, wherein the Web, DB server utilizes a

conducted online over a computer network comprising a

high-speed local network to resolve the problem of band

payment server, having a payment information transaction security system, and a Web, DB server separate from the payment server, the method comprising:

width bottleneck in internet transmission. 40

positioning the Web, DB server in one ofa?rst nation

24. The methodfor conducting online purchasing, as set forth in claim 17, wherein the Web, DB server provides an

online bidding system.

state and a second nation state;

25. The methodfor conducting online purchasing, as set

forth in claim 24, wherein the bidding system is enabledfor the buyers to submit needs requirements in solicitation of

positioning the payment server in the first nation state; supporting a plurality ofmerchants on the Web, DB server

including providing a website listing items ofthe plu rality of merchants, the Web, DB server being adapted

tocol. 19. The online method supporting online purchasing over the internet, as set forth in claim 18, wherein the secure

45

bids from merchants providing products.

so that the merchants can update information, stored on

26. The methodfor conducting online purchasing, as set forth in claim 25, wherein the bidding system enables the

the Web, DB server, relating to their respective items,

merchants to access the needs requirements real-time and

respond real-time to the buyer

and so that the Web, DB server maintains current infor

mation regarding the items;

50

receiving a purchase request at the Web, DB serverfrom a buyerfor one or more ofthe items listed on the Web, DB

ond nation state is the People's Republic ofChina.

server;

when the Web, DB server receives the purchase request,

switching communication of the buyer from the Web,

55

after the communication is switched, the payment server

a payment server having a payment information transac

receiving credit card payment information from the

lion security system; 60

the payment server sending, to an established ?nancial

cial circuitry, a credit card payment processing deci

sion;

a Web, DB server distant from the payment server, sup

porting a plurality ofmerchants, including providing a website listing items of the plurality of merchants, the

circuitry, the credit card payment information; the payment server receiving, from the established finan the payment server transferring the credit card payment con?rmation information to the Web, DB server;

29. The method as setforth in claim 17, wherein the sec ond nation state is the United States ofAmerica.

30. A system, for conducting online buying in an e-Commerce business environment, comprising:

DB server to the payment server;

buyer to pay for the item to be purchased;

27. The method as setforth in claim 17, wherein the?rst nation state is the United States ofAmerica. 28. The method as setforth in claim 27, wherein the sec

65

Web, DB server being adapted so that the merchants can refresh information, stored on the Web, DB server, relating to their respective items, and so that the Web, DB server maintains current information regarding the

items; and

US RE40,753 E 9

10 39. The system, for conducting online buying, as set forth

a?rst communication channel, initially between an online buyer and the Web, DB server for the buyer to identify

in claim 38, wherein the secure encryption protocol is 128 bit SSL.

one or more the items for purchase, and subsequently

between the buyer and the payment serverfor the buyer

40. The system as setforth in claim 30, wherein the?rst

to enter payment information into a secure connection

with the payment server, the communication with the

nation state is the United States ofAmerica. 4]. The system as setforth in claim 40, wherein the second

buyer being switched from the Web, DB server to the

nation state is the People's Republic ofChina.

payment server when the Web, DB server receives an

42. The system as setforth in claim 30, wherein the second nation state is the United States ofAmerica. 43. An online system, supporting online buying over the internet, having a server supporting a plurality of merchants

indication from the buyer to buy one or more of the

items; wherein: the Web, DB server is in one ofa?rst nation state and a

including providing a website listing products of the plural

second nation state; the payment server is in the first nation state; the website ofpayment server has a respective website

ity of merchants, and a payment server separate from the server supporting the plurality of merchants, the online sys tem comprising: means for shifting the online communication with the buyerfrom the website of the server supporting the plu rality of merchants to the website of the payment server

address di?erentfrom a respective website address of

15

the website of the Web, DB server; the payment server receives credit card payment infor mation for the buyer to pay for the one or more

when an indication to buy one or more ofthe products

items; the payment server sends, to an established ?nancial

20

circuitry, the credit cardpayment information;

means forfacilitating a real-time purchasing/sales envi

the payment server receives, from the establishedfinan cial circuitry, a credit cardpaymentprocessing deci

sion; payment confirmation is transferred from the payment

ronment for a plurality of merchants by the server sup

porting the plurality ofmerchants includingfacilitating 25

server to the Web, DB server and the Web, DB server

is updated with respect to the purchase of the one or the Web, DB server facilitates a real-time purchasing/ 30

online communication is shifted; means for sending, to an established?nancial channel,

channel, a credit card payment processing decision; means for transferring the credit card payment con?rma

mission of the credit card payment information 35

tion information from the payment server to the server

supporting the plurality ofmerchants; and

the transmission of the information regarding credit card payment is performed under a security protocol

wherein: the server supporting the plurality of merchants is in

providing for encryption of the credit card payment

information. 3]. The system, for conducting online buying, as set forth

on the server supporting the plurality of merchants;

the credit cardpayment information; means for receiving, from the established ?nancial

request from the buyer, is less secure than the trans between the payment server and the buyer; and

the plurality of merchants to refresh information stored means for receiving credit card payment information from the buyer to pay for the item to be purchased after the

more items;

sales environment; the transmission of information between the Web, DB server and the buyer, before receiving a purchase

is received online, at the website of the server, from a

buyer;

one ofa?rst nation state and a second nation state; 40

in claim 30, wherein the payment server communicates pay

the payment server is in the first nation state; the payment server has a respective website address

ment con?rmation information to the respective one of the

diferent from a respective website address of the

plurality of merchants.

website of the server supporting the plurality of mer

32. The system, for conducting online buying, as set forth in claim 30, wherein the payment server communicates pay

45

tion from the payment server, the server supporting

ment con?rmation information to the buyer. 33. The system for conducting online buying, as setforth

the plurality of merchants is updated with respect to

in claim 30, wherein the Web, DB server utilizes a high

speed local networlc 34. The system for conducting online buying, as setforth

chants; after transferring ofthe payment con?rmation informa the purchase of the one or more products;

the transmission of information about products for sale 50

between the server supporting the plurality of mer

in claim 30, wherein the Web, DB server is positioned to

chants and the buyer, before receiving the indication

provide high speed transmission of multimedia files.

to buy, is less secure than the transmission ofinfor mation about the credit card payment; and

35. The system for conducting online buying, as setforth

the transmission of the information regarding credit

in claim 30, wherein the Web, DB server provides an online

bidding system.

55

card payment is performed under a security protocol

36. The system for conducting online buying, as setforth in claim 35, wherein the bidding system is enabledfor buy

providing for encryption of the credit card payment

ers to submit needs requirements in solicitation of bids from

44. The online system supporting online buying over the internet, as setforth in claim 43, wherein payment con?rma tion information is sent to the respective ones of the plural ity

information.

the plurality of merchants providing products. 37. The system, for conducting online buying, as set forth

60

of merchants.

in claim 36, wherein the bidding system enables the mer

45. The online system supporting online buying over the

chants to access the needs requirements real-time and

respond real-time to the buyer. 38. The system, for conducting online buying, as set forth in claim 3 0, wherein the payment server operates payment

information transmission with a security encryption proto col.

internet, as setforth in claim 43, wherein the server support

ing the plurality of merchants utilizes a high-speed local 65

network. 46. The online system supporting online buying over the internet, as setforth in claim 43, wherein the server support

US RE40,753 E 11

12

ing the plurality ofmerchants is positioned to provide high speed transmission of multimedia files.

the transmission of the information regarding credit

47. The online system supporting online buying over the

security protocol providing for encryption of the

card payment information is performed under a

internet, as setforth in claim 43, wherein the server support

ing the plurality ofmerchants provides a bidding system.

credit card payment information. 5

48. The online system supporting online buying over the internet, as setforth in claim 47, wherein the bidding system is enabledfor buyers to submit needs requirements in solici

56. The online method supporting online buying over the internet, as setforth in claim 55, wherein the payment con

?rmation information is sent to the buyer 57. The online method supporting online buying over the internet, as setforth in claim 55, wherein payment con?rma tion information is sent to the respective ones of the plural ity

tation of bids from merchants providing the products. 49. The online system supporting online buying over the internet, as setforth in claim 48, wherein the bidding system

of merchants.

enables the merchants to access the needs requirements real -

58. The online method supporting online buying over the internet, as setforth in claim 55, wherein the server support

time and respond real-time to the needs requirements. 50. The online system supporting online buying over the

ing the plurality ofmerchants provides a bidding system.

internet, as setforth in claim 43, wherein the payment server

security encryption protocol.

59. The online method supporting online buying over the internet, as setforth in claim 58, wherein the bidding system is enabled for the buyers to submit needs requirements in

5]. The online system supporting online buying over the internet, as set forth in claim 5 0, wherein the security

solicitation ofbidsfrom the plurality ofmerchantsproviding the products.

is adapted to accept the buyer payment information with a

encryption protocol is 128 bit SSL. 52. The system as setforth in claim 43, wherein the?rst

20

nation state is the United States ofAmerica. 53. The system as setforth in claim 52, wherein the second

requirements.

nation state is the People's Republic ofChina. 54. The system as setforth in claim 43, wherein the second nation state is the United States ofAmerica. 55. An online method supporting online buying over the

25

security encryption protocol.

providing a server supporting a plurality of merchants 30

server distant from the server supporting the plurality

of merchants, wherein: the server supporting the plurality of merchants is in 35

the website lists, online, products of the plurality of merchants for sale; 40

tion with the buyer shifts from the website of the

45

payment information; circuitry, the credit cardpayment information; 50

sion; the website of the payment server has a respective URL

(Uniform Resource Locator) di?'erent from a respec 55

the payment server to the server supporting the plu

from the website supporting the plurality of merchants, the online communication being switched when the server supporting the plurality of merchants receives an indicationfrom the buyer to buy one or more ofthe

rality of merchants, and the server supporting the plurality of merchants is updated with respect to the

items; sending, to an established ?nancial channel, the credit

purchase;

cardpayment information;

the server supporting the plurality of merchants pro vides a real-time purchasing/sales environment; the transmission of information between the server sup

receiving, from the established?nancial channel, a credit card payment processing decision;

porting the plurality of merchants and the buyer, before receiving the indication to buy, is less secure than the transmission ofinformation about the credit card payment; and

transmission; receiving credit card payment information from a buyer forpayment ofone or more items identified by the buyer for purchase from a website supporting a plurality of merchants and listing respective items of the merchants, after the online communication ofthe buyer has been switched to the website of the payment server

tive URL of the website of the server supporting a

plurality of merchants; payment con?rmation information is transferred from

ing: providing a secure connection for payment information

the payment server sends, to an established ?nancial

the payment server receives, from the establishedfinan cial circuitry, a credit cardpaymentprocessing deci

ond nation state is the People's Republic ofChina. 66. The method as setforth in claim 55, wherein the sec ond nation state is the United States ofAmerica. 67. An online methodfor a payment server to support online buying over the internet, the online method compris

server supporting a plurality of merchants to the

website of the payment server; after the online communication is shifted, the website of the payment server accepts, online, buyer credit card

network to avoid a bandwidth bottleneck in internet trans mission.

64. The method as setforth in claim 55, wherein the?rst nation state is the United States ofAmerica. 65. The method as setforth in claim 64, wherein the sec

when the website of the server supporting a plurality of merchants receives an indication from a buyer to buy one or more ofthe products, the online communica

62. The online method supporting online buying over the internet, as set forth in claim 6], wherein the security encryption protocol is 128 bit SSL. 63. The online method supporting online buying over the internet, as setforth in claim 55, wherein the server support

ing the plurality of merchants utilizes a high-speed local

one ofa?rst nation state and a second nation state;

the payment server is in the first nation state;

6]. The online method supporting online buying over the internet, as setforth in claim 55, wherein the payment server

is adapted to accept the buyer payment information with a

internet, comprising: and a corresponding website, andproviding apayment

60. The online method supporting online buying over the internet, as setforth in claim 59, wherein the bidding system enables the plurality of merchants to access the needs requirements real-time and respond real-time to the needs

65

wherein: the server supporting the plurality of merchants is in one ofa?rst nation state and a second nation state;

the payment server is in the first nation state;

US RE40,753 E 14

13

wherein: the server supporting the plurality of merchants is in

a website of the payment server has a respective inter

net address di/ferent from a respective internet

address of the website supporting the plurality of merchants;

one ofa?rst nation state and a second nation state;

the payment server is in the first nation state; and

the payment server sends the credit card payment con

the transmission of information regarding products

?rmation information to update the server support ing the plurality ofmerchants with respect to the pur

between the website supporting the plurality of mer chants and the buyer, before receiving an indication

chase of the one or more items identified by the

to buy, is less secure than the transmission of the

buyer; the payment server sends the credit card payment con

?rmation information to support a real-time

10

75. The payment server as set forth in claim 74, wherein

purchasing/sales environment for the plurality of merchants; the transmission of information about products for sale between the website supporting the plurality of mer chants and the buyer, before receiving an indication

credit card payment information from the buyer to the website of the payment system. the secure connection uses 128 bit SSL.

76. The payment server as set forth in claim 74, wherein

the result of the payment processing includes an authentica 5

to buy, is less secure than the transmission of the

tion determination. 77. The payment server as set forth in claim 74, wherein

the payment con?rmation information includes buyer iden tity information and a quantity purchased.

information about credit card payment from the buyer to the payment server; and

78. The payment server, as setforth in claim 74, wherein

the transmission of information about credit card pay ment is performed under a security protocol provid

the buyer payment information includes buyer identity infor mation and a quantity related to the purchase. 79. The payment server, as setforth in claim 74, wherein

ing for encryption of the credit card payment infor mation. 68. The online methodfor a payment server as setforth in claim 67, wherein the secure connection uses 128 bit SSL. 69. The online methodfor a payment server, as setforth in

ones ofthe plurality ofmerchants.

claim 67, wherein the payment con?rmation information is

nation state is the United States ofAmerica. 8]. The system as setforth in claim 80, wherein the second

the payment con?rmation information is sent to respective 80. The system as setforth in claim 74, wherein the?rst

sent to the buyer. 70. The online methodfor a payment server, as setforth in

nation state is the People's Republic ofChina.

claim 67, wherein the payment con?rmation information is sent to respective ones of the plurality of merchants. 7]. The method as setforth in claim 67, wherein the?rst

30

82. The system as setforth in claim 74, wherein the second nation state is the United States ofAmerica. 83. A computer readable medium with instructions for enabling a payment server to execute a program supporting

nation state is the United States ofAmerica. 72. The method as setforth in claim 7], wherein the sec

online buying over the internet by performing operations

comprising:

ond nation state is the People's Republic ofChina. 73. The method as setforth in claim 67, wherein the sec ond nation state is the United States ofAmerica.

enabling a secure connection with the buyer for payment

74. A payment system for supporting online buying over the internet, comprising:

receiving credit card payment information from a buyer forpayment ofone or more items identified by the buyer for purchase from a website supporting a plurality of merchants and listing respective items of the merchants, after the online communication ofthe buyer

information transmission;

means for enabling a secure connection with a buyer for

payment information transmission;

40

meansfor receiving credit card payment information from

has been shifted to the website of the payment server

the buyerfor payment ofone or more items identified by the buyer for purchase from a website supporting a

from the website supporting the plurality of merchants,

plurality of merchants and listing respective items of

the online communication being shifted when the server supporting the plurality of merchants receives

the merchants, after the online communication of the buyer has been shifted to the payment system from the

an indicationfrom the buyer topurchase one or more of

the items; sending, to an established?nancial circuitry, the credit

website supporting the plurality of merchants, the online communication being shifted when the server supporting the plurality ofmerchants receives an indi

cardpayment information;

cation from the buyer to purchase one or more of the

receiving, from the established?nancial circuitry, a credit card payment processing decision;

items; means for sending, to an established?nancial circuitry,

wherein: the server supporting the plurality of merchants is in

the credit cardpayment information; means for receiving, from the established ?nancial

one ofa?rst nation state and a second nation state;

circuitry, a credit card payment processing decision; a website of the payment system having a respective inter net address di?erent from a respective internet address

the payment server is in the first nation state; and a website of the payment server has a respective URL

(Uniform Resource Locator) di?erent from a respec tive URL of the website supporting the plurality of

of the website supporting the plurality of merchants; means for outputting the credit card payment con?rma tion information to update the server supporting the

plurality of merchants with respect to the purchase of the one or more items identified by the buyer;

means for outputting the credit card payment con?rma tion information to facilitate the server supporting the plurality of merchants in providing a real-time purchasing/sales environment

60

merchants; after the payment server transfers the payment con?r mation information, the server supporting the plural ity of merchants is updated with respect to the pur chase of the one or more items identified by the

buyer; the server supporting the plurality of merchants pro vides a real-time purchasing/sales environment;

US RE40,753 E 15 the transmission of information between the server sup

porting the plurality of merchants and the buyer, before receiving an indication to buy, is less secure

than the transmission of the credit card payment information from the buyer to the payment server; and

the transmission of the information regarding credit card payment is performed under a security protocol

providing for encryption of the credit card payment

information.

16 85. The computer readable medium as setforth in claim

83, wherein the payment con?rmation information is sent to

the buyer 86. The computer readable medium as setforth in claim

83, wherein the payment con?rmation information is sent to

respective ones of the plurality of merchants. 87. The medium as setforth in claim 83, wherein the?rst nation state is the United States ofAmerica. 88. The medium as setforth in claim 87, wherein the sec

ond nation state is the People's Republic ofChina. 89. The medium as setforth in claim 83, wherein the sec ond nation state is the United States ofAmerica.

84. The computer readable medium as setforth in claim 83, wherein the secure connection uses 128 bit SSL.

*

*

*

*

*

Method and system for conducting business in a transnational E ...

Aug 30, 2005 - merchant server into a Web, DB server and a payment server, the payment server being located in a nation state to Which a purchaser may ...

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