Systems and Methods for Conducting Secure Transactions Utilizing Gateway Servers
Methods and systems for conducting a secure transaction over a network are described. The methods include receiving a request from a consumer, sending the request to a merchant, and receiving, from the merchant, a payment order associated with the request. The payment order is received via a merchant programmable user interface. The methods also include confirming the payment order to transform the payment order to a confirmed payment order, sending the confirmed payment order to a user, and receiving, from the user, a payment authorization associated with the confirmed payment order, and the payment authorization being received via a consumer programmable user interface. The payment authorization from the user includes a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management. The methods also include performing a transaction in accordance with the payment authorization.
1 . A method for conducting a secure transaction over a network, the method comprising:
sending a registration message to a merchant;
receiving, from the merchant, identifying information associated with the merchant in response to the registration message;
validating the identifying information;
sending a validation message associated with the validating of the identifying information to either: an external payment service provider (PSP), or the PSP being an internal consumer wallet account;
receiving a request from a consumer;
sending the request to the merchant;
receiving, from the merchant, a payment order associated with the request and including a unique identifier, the payment order being received via a merchant programmable user interface;
confirming the payment order to transform the payment order to a confirmed payment order;
sending the confirmed payment order to a consumer;
receiving, from the consumer, a payment authorization associated with the confirmed payment order, the payment authorization being received via a consumer programmable user interface, the payment authorization from the consumer comprising: a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management; and
performing a transaction in accordance with the payment authorization, the performing of the transaction in accordance with the payment authorization using a secure internal switch and being associated with the internal consumer wallet account, the internal consumer wallet account being associated with an account of the consumer; and the account of the consumer being at least one of: a credit account, a debit account, a savings account, a loyalty account, and a virtual currency account.
2 . The method of claim 1 , wherein the merchant programmable user interface is coupled with a mobile Points Of Sale (mPOS) terminal, the merchant programmable user interface configured to perform:
registering the terminal;
managing the terminal;
authorizing a payment from one of the internal consumer wallet or external PSP to the merchant;
preauthorizing the payment from one of the internal consumer wallet or external PSP;
voiding the payment from one of the internal consumer wallet or external PSP;
refunding the payment from one of the internal consumer wallet or external PSP; and
settling the payment from one of the internal consumer wallet or external PSP.
3 . The method of claim 1 , wherein the performing a transaction in accordance with the payment authorization further comprises:
sending a payment confirmation to the merchant in accordance with the payment authorization; and
issuing a receipt to the consumer.
4 . The method of claim 1 , wherein the consumer is a third-party entity.
5 . The method of claim 1 , wherein the secure internal switch applies signing, authentication, and business rules to the secure transaction, which is managed via a fraud control policy, risk management, and end-to-end business rules.
6 . The method of claim 1 , wherein at least one of the encrypted payment order, the encrypted confirmed payment order, and the encrypted payment authorization is encrypted using a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management.
7 . The method of claim 1 , wherein the validation message is sent to the external PSP and performing of the transaction is associated with the external PSP, the external PSP being is at least one of: a credit account, a bank account, and a third-party PSP.
8 . The method of claim 1 , wherein the unique identifier is at least one of a mobile telephone number and an email address.
9 . The method of claim 1 , further comprising sending, to the consumer and the merchant, one or more payment confirmations associated with the performing of the transaction in accordance with the payment authorization.
10 . The method of claim 1 , further comprising:
downloading by the consumer an application to shop for goods and services offered by the merchant; and
receiving a selection of at least one of the goods and the services from the customer for purchase via an application installed on a computing device of the customer.
11 . A system for conducting a secure transaction over a network, the system comprising at least one processor and a memory communicatively coupled to the processor, the memory storing instructions executable by the processor to perform a method for conducting the secure transaction over a network, the method comprising:
sending a registration message to a merchant;
receiving, from the merchant, identifying information associated with the merchant in response to the registration message;
validating the identifying information;
sending a validation message associated with the validating of the identifying information to either: an external payment service provider (PSP), or the PSP being an internal consumer wallet account;
receiving a request from a consumer;
sending the request to the merchant;
receiving, from the merchant, a payment order associated with the request and including a unique identifier, the payment order being received via a merchant programmable user interface;
confirming the payment order to transform the payment order to a confirmed payment order;
sending the confirmed payment order to a consumer;
receiving, from the consumer, a payment authorization associated with the confirmed payment order, the payment authorization being received via a consumer programmable user interface, the payment authorization from the consumer comprising: a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management; and
performing a transaction in accordance with the payment authorization, the performing of the transaction in accordance with the payment authorization using a secure internal switch and being associated with the internal consumer wallet account, the internal consumer wallet account being associated with an account of the consumer; and the account of the consumer being at least one of: a credit account, a debit account, a savings account, a loyalty account, and a virtual currency account.
12 . The system of claim 11 , wherein the merchant programmable user interface is coupled with a mobile Points Of Sale (mPOS) terminal, the merchant programmable user interface configured to perform:
registering the terminal;
managing the terminal;
authorizing a payment from one of the internal consumer wallet or external PSP to the merchant;
preauthorizing the payment from one of the internal consumer wallet or external PSP;
voiding the payment from one of the internal consumer wallet or external PSP;
refunding the payment from one of the internal consumer wallet or external PSP; and
settling the payment from one of the internal consumer wallet or external PSP.
13 . The system of claim 11 , wherein the performing a transaction in accordance with the payment authorization further comprises:
sending a payment confirmation to the merchant in accordance with the payment authorization; and
issuing a receipt to the consumer.
14 . The system of claim 11 , wherein the consumer is a third-party entity.
15 . The system of claim 11 , wherein the secure internal switch applies signing, authentication, and business rules to the secure transaction, which is managed via a fraud control policy, risk management, and end-to-end business rules.
16 . The system of claim 11 , wherein at least one of the encrypted payment order, the encrypted confirmed payment order, and the encrypted payment authorization is encrypted using a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management.
17 . The system of claim 11 , wherein the validation message is sent to the external PSP and performing of the transaction is associated with the external PSP, the external PSP being is at least one of: a credit account, a bank account, and a third-party PSP.
18 . The system of claim 11 , wherein the unique identifier is at least one of a mobile telephone number and an email address.
19 . The system of claim 11 , wherein the instructions executable by the processor further comprise:
sending, to the consumer and the merchant, one or more payment confirmations associated with the performing of the transaction in accordance with the payment authorization.
20 . The system of claim 11 , wherein the instructions executable by the processor further comprise:
receiving selection of at least one of the goods and the services from the customer for purchase via an application installed on a computing device of the customer.