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1 US A1 (19) United States (12) Patent Appication Pubication (10) Pub. No.: US 2008/ A1 Rieck et a. (43) Pub. Date: (54) (75) (73) (21) (22) (60) CENTRALIZED PAYMENT GATEWAY SYSTEM AND METHOD Inventors: Keith A. Rieck, Rosevie, MN (US); Igor A. Koroev, Eden Prairie, MN (US); Andrew Vernon Barker, Hopkins, MN (US) Correspondence Address: NORTH OAKS PATENT AGENCY 45 ISLAND ROAD NORTH OAKS, MN Assignee: App. No.: Fied: DIGITAL RIVER, INC., Eden Prairie, MN (US) 11/925,596 Oct. 26, 2007 Reated US. Appication Data Provisiona appication No. 60/ 863,734,?ed on Oct. 31, Pubication Cassi?cation (51) Int. C. G06Q 30/00 ( ) G06Q 20/00 ( ) (52) US. C /26; 705/1 (57) ABSTRACT As a company acquires commerce patforms the mainte nance of integrations With payment service providers becomes an issue. The best thing is to keep the amount of deveopers needed to a minimum and reduce transaction costs to a minimum; therefore a centraized code base is best for a company. A gateway is described that aows a com pany to expose a Web service based appication program ming interface (API) to the integrating commerce patforms. This aows for a simpe standardized integration for a avaiabe payment methods With out the commerce patform about the payment service provider. This removes the com pexity and redundant integrations that each patform needs to have With each of the payment service providers. An advanced arbitration engine aows for the gateway to decide What the best cost based payment service to use for the transaction I 114 Third party Third party Third party Third party Third party payment payment payment payment payment processor processor processor processor processor Centraized Payment Gateway CPG Arbitration Engine 104 Communication Network Ecommerce Patform Ecommerce Patform Ecommerce Patform 106

2 Patent Appication Pubication Sheet 1 0f 7 US 2008/ A1 Third party Third party Third party Third party Third party payment payment payment payment payment processor processor processor processor processor Centraized Payment Gateway Hosting Website CPG Arbitration Engine Shopping Websites 104 4/ Ecommerce Patform Ecommerce Patform Ecommerce Patform Communication Network 106

3 Patent Appication Pubication Sheet 2 0f 7 US 2008/ A1 / 146 / 46 / 146 /_146 Patform A Patform B Patform C P atrorm D / ( API (5) J Reporting Data ) Ceaner 4 Secure Dat / 140 M Java Payment Adapters 130 Navision API (5) L \ Native / 120 / 122 Payment Adapter, 118 ( AP(s) ].. Goba Direct bank B b t Paymenttech Chase CoHeCt Connection L 6 L116 L 6 L116 L116 FIG. 2

4 Patent Appication Pubication Sheet 3 0f 7 US 2008/ A1 Commerce System - Customer Shopping Biing Page Name: Address: Emai: Phone: Payment Methods Credit card, PayPa! Order Con?rmation Page Biing, Products, and" Payment Info / Con?rm Submt CPG Webservice k 166 CPG Webservices -CPG i Adaptor 170 (_ 167 Payment Processor Thank you Page Downoad URL or Shipping Detais Batch Settement Refund Contro process

5 Patent Appication Pubication Sheet 4 0f 7 US 2008/ A1 I I Commerce I. CPG - PayPa.CommeICe System _ I System - Backend I PayPaI ' Customer Shoppmg I I 174 I Processor : I / I 154 : / I f I62 I CPG I 170 Biing Page I I /' CPG I Modue I 148 J Nazi-( sitti Websewice I202 : I Payment Credit card, Methods PayPa // //J/ I / 4 Cient I \ I I/_ 176 /1 I / / \\ J I \ CPG I I Webservices I / / I / I /_ \ : I,I JI/I/ / II/ _/ I I E / / L 160 t 178 \ Order Confirmation / k : I Page I / 200 I 1122: Biing, Products, and/ // I : II Payment Info / I I I II I : 18o : I 206 -/ ' I I 188 I 1 72 \ I I 182 I y E I / = I /I I I PayPaI Instruction GeIPayIIIeIII I Interstitia I I TIaIISaCIIOII : Page : Statuses I I Contro M job I I I Q. I. 4 f. 20s I 186 I v I (_ Paypa I Paypa E I Batch I Notifier #Hr IPN Thank you Page 82:31am sen/et 4+] 1 Downoad URL or I COIIIIOI : 202 Shipping Detais process 196 GetPayment Transaction : Statuses I I FIG. 4 Contro M Job

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9 CENTRALIZED PAYMENT GATEWAY SYSTEM AND METHOD [0001] This appication caims the bene?t of US. Provi siona Appication No. 60/863734?ed 31 Oct. 2006, entited Centraized Payment Gateway, Which is incorpo rated herein by reference. FIELD OF THE INVENTION [0002] The present invention reates to a method and system for enhancing access to a payment service provider. The invention is particuary apt for providing an arbitration forum to a payment service provider With a centraized gateway. BACKGROUND OF THE INVENTION [0003] The ink between a rea person and their simuated extensions in cyberspace is fragie. The time of Waking into a shop, choosing goods, and purchasing the goods by paying a ive cashier or shopkeeper is graduay becoming a bygone era. [0004] UtiiZation of the Internet continues to rise at a rapid pace. Indeed, business and governmenta entities as We as individuas are increasingy reying upon the Internet for research, communication, entertainment and transac tiona purposes. Access to the Internet network is provided by Internet servers. Such servers are typicay maintained by an Internet Service Provider (ISP) Who offers use of its servers to customers on a pre-determined, subscription basis. Basicay, an ISP is a business or organization that ses access to the intemet and other reated services. [0005] In addition, a payment service provider (PSP) offers merchants onine services for accepting eectronic payments by credit card or other payment methods such as payments based on onine banking. Typicay, a PSP can connect to mutipe acquiring banks and card networks, thereby making the merchant ess dependent of?nancia institutionsiespeciay When operating internationay. Fur thermore, a PSP can offer reconciiation services, risk man agement and muti-currency functionaity. [0006] Aong the same ines, payment gateways are a category of agent or service provider that stores, processes, and/or transmits cardhoder data as part of a payment transaction. Speci?cay, they enabe payment transactions (e.g., authorization or settement) between merchants and processors (endpoints). Merchants may send their payment transactions directy to an endpoint, or indirecty to a pay ment gateway. [0007] Access to information and movement around the Internet is enhanced through the use of hyperinks ( inks ) Within a Web page s hypertext markup anguage (HTML). The ink, Which is typicay a Word in a text?ed or an image on a Web page, acts as a path that moves a user from one Web page address, Uniform Resource Locator (URL), to another Web page address on a Web site. The movement from one URL to another aows near-instant access to information, products, and services and is particuary We-suited to the exchange of information, goods, and services between buy ers and seers. Such business is commony referred to as e-commerce, or eectronic commerce. [0008] The current state of e-commerce is a state of confusion; many peope are osing a great dea of money. Ony few make any pro?t, mosty due to a poor set of products and toos. For instance, there are credit card security issues, imited Ways to pay for merchandise, oder browser versions, and sites that do not update their cataogs. E-commerce Web sites se products, such as goods or services, onine. They both dispay the products for sae and provide an easy Way to compete a saes transaction. This usuay invoves credit card veri?cation and automatic mer chant account processing. [0009] There are two eves of e-commerce sophistication: static and dynamic. In static, separate Web pages exist for each product usuay With a picture, a description, and a price. Each time the user Wants to change product informa tion they change the product s Web page and upoad it to the Website. Shopping Cart functionaity is a user-friendy feature and is incuded as standard equipment in every e-commerce hosting pan. [0010] If the user aready has a Website that they are happy With, and are ony seing a sma number of items, then a shopping cart appication maybe suitabe. A shopping cart enabes the existing Web site to take orders, and sends those orders to another appication for processing. Usuay, the user Wi have to add HTML code to the Web site after every product description. (This is often referred to as bot-on software.) The code Wi create buttons and boxes that Wi aow the customers to seect coors, sizes and quantities, pace an order, and check out. Most Wi aow the user to choose a design tempate and Wi then create product and category pages that aready incude shopping cart functions. The software generay incudes a database so that adding products and updating product information requires no knowedge of HTML. The software can either be icensed outright, or rented by the month from an ASP. [0011] These Web sites can be free, meaning that there are no monthy hosting fees and there are no deveopment costs; easy to use point-and-cick tempates are provided by the host. HoWever, some costs are invoved, such as per trans action fees and merchant account setup fees. In contrast, the dynamic ones have product information stored in a database and dispayed dynamicay per users requests. These are never free; users must pay a monthy hosting fee and deveop these sites professionay. [0012] In addition, there are severa different Ways to receive funds onine. A user can trave down the time consuming yet inteectuay rewarding path of buiding their own shopping cart. But if the user does not have program ming musces to?ex, et aone the time to buid something, a Web storefront service maybe the Way to go. When moving currency from one party to another is invoved, the time, money, and craftiness needed to impement them varies. Thus, payment systems may need to utiize certain mecha nisms to hep smooth the process of receiving funds onine. [0013] Simpe Object Access Protoco (SOAP) provides a simpe and ightweight mechanism for exchanging struc tured and typed information between peers in a decentra ized, distributed environment using extensibe markup an guage (XML). SOAP does not itsef de?ne any appication semantics such as a programming mode or impementation speci?c semantics; rather it de?nes a simpe mechanism for expressing appication semantics by providing a moduar packaging mode and encoding mechanisms for encoding data Within modues. This aows SOAP to be used in a arge variety of systems ranging from messaging systems to remote procedure cas (RPC).

10 [0014] SOAP consists of three parts: The SOAP enveope construct de?nes an overa framework for expressing what is in a message; who shoud dea with it, and whether it is optiona or mandatory. The SOAP encoding rues de?nes a seriaization mechanism that can be used to exchange instances of appication-de?ned datatypes. The SOAP RPC representation de?nes a convention that can be used to represent remote procedure cas and responses. [0015] Additionay, W3C de?nes a Web service as a software system designed to support interoperabe Machine to Machine interaction over a network. Web services are frequenty just Web APIs that can be accessed over a network, such as the Internet, and executed on a remote system hosting the requested services. [0016] The W3C Web service de?nition encompasses many different systems, but in common usage the term refers to cients and servers that communicate using XML mes sages that foow the SOAP standard. Common in both the?ed and the terminoogy is the assumption that there is aso a machine readabe description of the operations supported by the server, a description in the Web Services Description Language (WSDL). The atter is not a requirement of a SOAP endpoint, but it is a prerequisite for automated cient-side code generation in the mainstream Java and.net SOAP frameworks. Some industry organizations, such as the WS-I, mandate both SOAP and WSDL in their de?nition of a Web service. [0017] Web services are a set of toos that can be used in a number of ways. The three most common styes of use are RPC, SOA and REST. Architectura eements invoved in the XML-RPC. RPC Web services present a distributed function (or method) ca interface that is famiiar to many deveopers. Typicay, the basic unit of RPC Web services is the WSDL operation. [0018] The?rst Web services toos were focused on RPC, and as a resut this stye is widey depoyed and supported. However, it is sometimes criticised for not being oosey couped, because it was often impemented by mapping services directy to anguage-speci?c function or method cas... Many vendors fet this approach to be a dead end, and pushed for RPC to be disaowed in the WS-I Basic Pro?e. [0019] Web services can aso be used to impement archi tecture according to Service-oriented architecture (SOA) concepts, where the basic unit of communication is a mes sage, rather than an operation. This is often referred to as message-oriented services. [0020] SOA Web services are supported by most major software vendors and industry anaysts. Unike RPC Web services, oose couping is more ikey, because the focus is on the contract that WSDL provides, rather than the underying impementation detais. [0021] Finay, RESTfu Web services attempt to emuate HTTP and simiar protocos by constraining the interface to a set of we-known, standard operations (e.g., GET, PUT, DELETE). Here, the focus is on interacting with statefu resources, rather than messages or operations. [0022] RESTfu Web services can use WSDL to describe SOAP messaging over HTTP, which de?nes the operations, or can be impemented as an abstraction purey on top of SOAP (e.g., WS-Transfer). [0023] There is a need for a system that aows a company to expose a simpe web service based appication program ming interface (API) to the integrating commerce patforms. This woud aow for a simpe standardized integration for a avaiabe payment methods with out the commerce patform needing to know anything about the payment service provider. Aso, there is a need to reduce the com pexity and redundancy integrations that each patform needs to have with each of the payment service providers. Furthermore, a feature that aows for a centraized payment gateway (CPG) to decide what the best cost based payment service to use for the transaction woud be bene?cia and usefu. The present invention provides a soution to these needs and other probems, and offers other advantages over the prior art. BRIEF SUMMARY OF THE INVENTION [0024] As a company acquires more and more commerce patforms the maintenance of the integrations with the many payment service providers may become an issue. This is because the maintenance is mosty redundant. The best thing is to keep the amount of deveopers needed to a minimum and reduce transaction costs to a minimum. A centraized code base is the best pan for an ecommerce company as a whoe. [0025] Centraized payment gateway (CPG) is a midde ware or gateway that aows an ecommerce company to expose a simpe web service based appication programming interface (API) to integrating commerce patforms. This aows for a simpe standardized integration for a avaiabe payment methods without the commerce patform needing to know anything about the payment service provider. A message to CPG may state what method, currency, amount and country and CPG wi do a the work to compete the payment process. This removes the compexity and redun dant integrations that each patform needs to have with each of the payment service providers. Another important feature is an advanced arbitration engine that aows for CPG to decide what the best cost based payment service or PSP to use for a particuar transaction. For exampe, a commerce patform wants to send an order for EUR from a French customer paying with Visa. CPG, with the advanced arbitration engine, woud anayze and decide that using, for instance, NetGiro and BNP to process the transaction woud obtain the best interchange rate thus saving a company miions of doars in transaction fees. It wi be understood that NetGiro and BNP are used by means of an exampe and that other business or systems may be substituted. [0026] Additiona advantages and features of the inven tion wi be set forth in part in the description which foows, and in part, wi become apparent to those skied in the art upon examination of the foowing or may be earned by practice of the invention. BRIEF DESCRIPTION OF THE DRAWINGS [0027] FIG. 1 iustrates an overview diagram of Centra ized Payment Gateway (CPG) system and method. [0028] FIG. 2 shows a diagram of CPG used in conjunc tion with payment processors and payment adapters. [0029] FIG. 3 shows a?owchart for direct processing of authorizations against a conventiona credit card payment service. [0030] FIG. 4 iustrates a?owchart, by way of exampe, of a PayPa authorization scheme. [0031] FIG. 5 shows a data?ow diagram of payment adapters con?gured with a database tabe

11 [0032] FIG. 6 iustrates a data diagram of persistent casses that function in the backend of CPG. [0033] FIG. 7 shows a data diagram of persistent casses stored in an Orace database that function in the backend of CPG. DETAILED DESCRIPTION [0034] Centraized payment gateway (CPG) is a midde Ware or gateway that aows an ecommerce company to expose a simpe Web service based appication programming interface (API) to an integrating commerce patforms. This aows for a simpe standardized integration for a avaiabe payment methods Without the commerce patform needing to know anything about the payment service provider. A mes sage to CPG may state What method, currency, amount and country and CPG Wi do a the Work to compete the pay ment process. This removes the compexity and redundant integrations that each patform needs to have With each of the payment service providers. Another important feature is an advanced arbitration engine that aows for CPG to decide What the best cost based payment service to use for the trans action. Outined beow are a few commony used terms in the preferred embodiment of CPG system and method. Common Terms Used [0035] Payment Adapter: A transaction-processing envi ronment that manages transaction integrity for payment schemes. Payment adapters can support communications to mutipe systems incuding: Acquirer Banks, Issuer Banks, Merchants, Corporate Customers and Cardhoders, making it a centra component of a secure eectronic funds transfer infrastructure. Typicay, one adapter is made avaiabe for each payment processor. A payment adapter requests the pay ment object, formats it, and sends it to the payment processor. The payment adapter aso processes the payment processor s response, persists it, and returns the resuts to a cient. [0036] Account token: A string of characters representing a customer s credit card. This token aows CPG to track cus tomers Whie minimizing exposure of the credit card number. The token may be used in reporting or in fraud detection. The combination of division identi?cation (ID) and account token Wi aways be unique. HoWever, if CPG detects that the same payment account is being used on two different divisions, it Wi attempt to give both accounts the same token. [0037] Redirect: Causing a customer s browser to connect to a different Web site. For instance, to do PayPa processing, CPG Wi redirect customers to the PayPa site, With the expectation that PayPa Wi ater direct them back to the origina site. [0038] FIG. 1 iustrates an overview diagram of Centra ized Payment GateWay (CPG) system 112. In a preferred embodiment, CPG 112 communicates With third party pay ment processors 114 to choose a suitabe payment processor through CPG Arbitration Engine 110. A customer 100 ini tiates a purchase over a communication network 102 through a shopping site 104 Which is hosted by a hosting Website 108. It Wi be understood by one of ordinary ski in the art that a shopping site does not need to be hosted. It Wi aso be understood that a customer may be a user, a shopper, or an administrator, but is not imited to these roes. The hosting Website 108 may be owned by an ecommerce business or company (not shown) that has at east one ecommerce patform 106. It Wi be understood that FIG. 1 is a symboic summary of how CPG system and method 112 Works, and that the backend processes of the arbitration engine 110 are shown in more detai in FIGS [0039] FIG. 2 shows a diagram of CPG used in conjunc tion With payment processors 116 and java payment adapters 140. Speci?cay, FIG. 2 describes how CPG is a Java appication 122 depoyed separatey from a company s e-commerce patforms 146 and Wi have its own database tabes. The ecommerce patforms 146 Wi access CPG using Web service protocos. In a preferred embodiment, it Wi communicate With payment processors 116 through java payment adapters 140. Basicay, the java payment adapters 140 Work through API 128 to a native payment adapter 120. It Wi be understood by one of ordinary ski in the art that an API is an abbreviation for appication programming interface, an interface by Which an appication program acesses operating systems and other services. An API is de?ned at source code eve and provides a eve of abstrac tion between an appication and a kerna (or other priviiged utiities) to ensure the portabiity of the code. [0040] Again referring to FIG. 2, secure data 144 and data ceaner 142 communicate With APIs 134 and 130 to report data 138 to reporting cients 136. It Wi be understood by one of ordinary ski in the art that a?nancia accounting system (such as Microsoft Navision, for exampe) 126 Works With API 130. Within area 124 CPG system the core functionaity With native APIs is ocated and area 122 of CPG system has APIs 132 and 118 that function to externay communicate With the payment processors 116 and pat forms 146. Typica Payment Process [0041] Store Account information: During checkout, the ecommerce patform sends the credit card number to CPG and gets a token back. The ecommerce patforms typicay do not store credit card numbers or other sensitive informa tion. The ecommerce system uses tokens to represent pay ment account numbers instead of storing the actua number. Subsequent payment transactions use this token instead of the sensitive account numbers. If the same credit card is used on mutipe transactions, it Wi be represented by the same token. This use of the same token supports fraud tracking and reporting. [0042] AuthoriZe: During checkout, the ecommerce pat form authorizes payment using the account token. CPG Wi communicate back to the payment processor to verify the credit information and reserve money for the payment. [0043] Sette: After the order is fu?ed, the ecommerce patform requests that money be transferred. Typicay, settements are sent in batches. [0044] Furthermore, every communication between CPG and a payment provider is recorded as a payment transac tion. There are separate transactions for authorization, settement, refunds, etc. Transactions record the order ID, so one can see the tota payment status of an order by ooking up a transactions for a given order ID. Each payment transaction has a current status. It Wi change status during communication With the payment processor. There are?ve kinds of basic transactions, as shown in Tabe.

12 TABLE 1 Transaction Type Description Statuses Authorize Reserve the speci?ed?nds. No purchase New, Competed, has taken pace, but one is imminent. Faied, Submitted, Submitting, Canceed Sette Sette the speci?ed amount. The New, Competed, settement wi reference a previousy Faied, competed authorization. A settement Submitted, transaction shoud aways be the resut of a Submitting, Canceed business exchange (e.g., a sae) between the seing company and buyer. Refund The e-commerce system initiates a refund New, Competed, of previousy setted money to a customer. Faied, Submitted, Submitting, Canceed Canceation Cance a previous transaction. New, Competed, Faied. Chargeback After a customer has compained to the New, Competed, payment provider, the payment provider Faied, Submitted, takes money from the ecommerce system. Aso caed a Reversa. Submitting, Canceed, Dispute resoved [0045] FIG. 3 shows a page?ow for direct processing of authorizations against a conventiona credit card payment service. The customer enters their credit card number into a biing page 148 and seects a payment type. The payment type coud be credit card, checking account transfer, PayPa, etc. It wi be understood by one of ordinary ski in the art that there are various payment types. In a preferred embodi ment of CPG, the ecommerce system then stores the pay ment type information, such as a credit card (for exampe) into CPG webservice 162 and receives a token in return. A?ow for this Store request 154 and store response 156 is shown in FIG. 3. Next, the customer sees an order con?r mation page 150. After the user con?rms 206 that they wish to order, the ecommerce system asks CPG webservice 162 to authorize for the requested amount of money. A?ow for this Authorize Request 160 and Authorize Response 158 is shown in FIG. 3. On cick or after user seection, an order goes through export contros and pre-authorization fraud check. On sucessfu authorization of payment, the order wi be submitted for fu?ment. CPG webservice 162 commu nicates 166 with a Batch Settement Refund Contro 164. CPG modue 170 uses payment service adapters 167 to communicate to corresponding payment services 116. It wi be understood that these adapters 167 coud be Java payment service adapters. The adapters 167 authorize payment and process sette batch. CPG modue 170 aso communciates with CPG webservices 168 to manage the communication with the payment services 116. [0046] Furthermore, if authorization is successfu, CPG (coectivey CPG modue 170 and CPG webservices 168) marks the authorization transaction as Competed and sends back the authorization code. It wi be understood that CPG modue 170 and CPG webservices 168 work together 176 to accompish the authorization. Upon reaching a thank you page 152, the ecommerce system can mark this order as having been authorized for payment, and downoad URL or shipping detais. The biing page 148, order con?rmation page 150, and thank-you page 152 are a part of the commerce system customer shopping section. The CPG webservice 162 and Batch Settement Refund contro 164 function in the backend of the commerce system. CPG modue 170, CPG webservices 168, and the adapters 167 are CPG coectivey. Finay, the payment processors 116 are the section at the end of the?ow diagram in FIG. 3. [0047] Referring now to FIG. 4, a PayPa redirect?ow diagram is shown. PayPa authorization foows a different page?ow. It wi be understood by one of ordinary ski in the art that a simiar?ow may occur for other browser redirection payment schemes. Basicay, the customer seects a payment type of PayPa and enters their emai address on the biing page 148. The biing page 148 is where error handing, dispay error messages, and messages speci?c to the payment method, such as currency, occur. These messages can aso occur on an order con?rmation page 150, infra. In another preferred embodiment of CPG, the ecommerce system then stores the emai address into CPG Web Service cient 162 and receives a token in return. Cicking submit 205 stores the request 154 to CPG Web service Cient 162 and then a store response 156 is sent back. The customer next sees the order con?rmation page 150. After the customer con?rms 206 that they wish to order, the ecommerce system sends cas to authorize to CPG Web service Cient 162. These cas are Authorize request 160 and Authorize response 158. CPG Modue 170 uses PayPa service adapter (processor) 174 to construct a URL that wi redirect the customer s browser to PayPa. This URL con tains the order ID, the browser session ID, a reference ID, purchase amount, and other data. CPG wi mark the autho rization transaction as being in Submitting status. The PayPa processor 174, on authorize request 160, wi provide the redirect URL aong with the authorize response 158. Then it wi ook up payment transaction status and refund the payment transaction, then process the batch returns. Batch Settement Refund Contro process 164 is where the batch settement occurs. CPG Webservice Cient 162 gets 200 the statuses of uncon?rmed transactions with PayPa (GetPayment Transaction Statuses Contro M Job 186) on reguar intervas. CPG webservice 162 communicates 166 with a Batch Settement Refund Contro 164 for refund reguation. [0048] The customer is then sent to a page 172 expaining that they are about to eave the ecommerce site and go to PayPa. There wi be a PayPa button 208 that uses the redirect URL for payment con?rmation. Next, the customer

13 ogs into and is redirected 192 to PayPa 204 and veri?es that they Wish to make a payment. The customer s browser is then redirected 188 to an interstitia page servet 182 hosted by the company. PayPa sends aong the order ID, the session ID, the reference ID and the PayPa transaction ID. The interstitia page 182 Wi ook up 180 the order in CPG. If the payment is not yet competed, the page Wi retry every?ve seconds up to three times. Basicay, PayPa Wi redirect to the commerce system. The interstitia page 182 ook ups 180 With CPG, inquiring about the status. On successfu status, there is a reease of the order and then redirected 149 to either the thank-you page 152 or an error handing page. The thank-you page 152 is the common page for a payment methods, and upon payment con?rmation the order Wi be reeased for fu?ment. [0049] The servet 182 then re-estabishes the user s browser session. After they con?rm payment, PayPa Wi communicate 202 through their Instant Payment NetWork (IPN) protoco 194 to the PayPa Noti?er Servet 196 hosted by the company. This communication 202 is to verify and notify With an IPN message. The IPN message contains the status of the PayPa transaction, and sends the order ID, the reference ID, and the PayPa transaction ID. This servet 196 then updates 178 CPG Webservices 168 and modue 170 to change the status of the authorization transaction to Com peted for this order. When the order is competed, the customer is redirected to the thank-you page 152. Upon reaching the thank-you page 152, the ecommerce system can mark this order as having been authorized for payment. It is possibe that a customer Wi compete payment, but never get to the thank-you page 152. To hande this, the ecom merce system runs a periodic job that ooks up pending orders in CPG. If a payment is discovered to be competed, the order shoud be marked as authorized. When the order is fu?ed, another background process cas the settement Web service 164. CPG aso runs a periodic process 198 that checks for transactions that have not competed (to GetPay ment Transaction Statuses Contro M Job 186). If a Sub mitting transaction is more than 24 hours od, its status is changed to Faied. [0050] If the customer fais to og into PayPa, then no IPN message Wi be sent. In this case, the authorization trans action Wi remain in Submitting status, and the ecom merce system shoud not consider it authorized. After 24 hours, CPG Wi change the status to Faied. If the cus tomer ogs into PayPa, but refuses to authorize payment, PayPa Wi send an IPN message indicating this refusa. The transaction Wi remain in Submitting unti it is ater faied. PayPa Wi redirect the customer to a URL for canceed payments. If the customer competes the PayPa authoriza tion, but kis their browser before reaching the thank-you page 152, the CPG transaction Wi sti have been marked as Competed. The ecommerce system periodicay per forms ookups on pending orders to see if they have been authorized. If the reference ID is detected as Wrong, it indicates that someone may be trying to hack the system by communicating directy to the PayPa Noti?er Servet 196 or the interstitia page 182. The transaction is marked as Faied and the incident ogged. [0051] Refunds are initiated by customer service on the ecommerce patform. The refund is then pushed to CPG and ater handed by a PayPa API Web service. Customer service requests a refund on an existing order. The ecommerce system sends the refund to CPG through Web services. CPG uses a PayPa adapter to make a ca to PayPa s Web service APIs. The adapter then records the refund as a payment transaction Within CPG. PayPa sends a message though IPN to the Noti?er servet With a payment status of Refunded. The message is ignored, since the adapter has aready persisted the refund status. Chargebacks are pushed to CPG through the IPN noti?er servet. When PayPa registers a chargeback against a previous transaction, it sends an IPN message With a payment status of Reversed, a reason code of chargeback, and the transaction ID from the parent settement transaction. The noti?er servet cas the charge back Web service. The CPG modue Wi ook up the origina settement transaction to get the order ID, and Wi then create a new payment transaction to record the chargeback. Later, a periodic job on the commerce system Wi get a new payment transaction statuses. It Wi get the new charge back transaction and match it up With the origina order. [0052] The biing page 148, order con?rmation page 150, PayPa instruction 172, and thank-you page 152 are a part of the commerce system customer shopping section. The CPG Webservice 162, Batch Settement Refund contro 164, and GetPayment Transction Statuses Contro M Job 186 function in the backend of the commerce system. CPG modue 170, CPG Webservices 168, PayPa processor 174, interstitia page 182, PayPa Noti?er servet 196, and Get Payment Transction Statuses Contro M Job 186 are CPG coectivey. Finay, PayPa 204 and PayPa IPN 194 are the PayPa section of the?ow diagram in FIG. 4. [0053] FIG. 5 shows how commerce systems access the CPG functions through Web services, as de?ned by a Web Services De?nition Language (WSDL) document. These are objects sent and received When a cient patform communi cates to CPG. [0054] CPGTransaction 244 is an object representing a?nancia transaction made for one CustomerAccount or one commerce division. A purchase may invove severa trans actions, typicay incuding authorization, settement, refund, chargeback, etc. Each transaction contains a unique ID assignted to it after CPG has processed the transaction. The ife cyce of payments in CPG is modeed on credit card transactions, even for payments that are fairy different from credit cards. In this ife cyce, creidt is authorized at the time of purchase, setted after the order is fu?ed, and utimatey funded When money is transferred to a bank account. Each transaction has a status vaue, such as Competed, Faied, Decined, or Canceed. Sometimes a transac tion Wi change status. For instance, it might move from Pending Data to Pending Funding to Competed. [0055] StoreAccountRequest 210 is a message requesting that a new Customer Account object be de?ned in CPG. This account is de?ned by an account token and a division ID. The account usuay represents one credit card or bank account. [0056] AccountInfo 214 is an object encapsuating a credit card, bank account, or other payment account. StoreAccoun tresponse 242 is a message responding to StoreAccountRe quest 210. This contains either a new account token or an error message. [0057] AuthorizeRequest 212 is a message requesting that credit be authorized. AuthorizeRequest 212 must contian either compete AccountInfo 214 or ese an account token and division ID. It Wi contain one CPGTransaction 244

14 Without an ID. Authorizations are aways processed in rea time. The commerce divisions get back an authorization decision immediatey. [0058] AuthorizeResponse 240 is a message responding to the AuthorizeRequest 212. It contains the CPGTransaction 244 With an assigned ID. SetteRequest 216 is a message requesting that one or more payments be setted. This message contains a ist of CPGTransactions 244 of type Sette. Each transaction shoud contain a reference to the ID of the corresponding authorization transaction. The com merce division may assign a batch ID to this request so it can ater ook up the status of settements. CPG often does not sette transactions immediatey. Often, they are accumated into batches and then submited to the payment processors overnight. Commerce divisions must ater ook up the status to see if they process successfuy. [0059] SetteResponse 238 is a message responding to a SetteRequest 216. RefundRequest 218 is a message requesting that an existing settment transaction be refunded. RefundResponse 236 is a message responding to the Refun drequest 218. LookupRequest 220 is a message requesting the status of CPGTransactiosn 244. Transactions can be ooked up by many different criteria, incuding speci?c order numbers, transaction IDs, and date ranges. Commerce divi sions can ook up predi?ned batches of transactions. [0060] LookupResponse 234 is a message responding to the LookupRequest 220. This contains an array of transac tions. UpdateAuthStatusRequest 222 is a message request ing that an authorization transaction change status. This is ony possibe for certain payment methods Where the com merce division pays a part in competing the authorization. UpdateAuthStatusResponse 232 is a message responding to the UpdateAuthStatusRequest 222. [0061] ChargebackRequest 224 is a message notifying CPG that a payment service is refunding money to the customer. This transaction is amost never transmitted through the Web service. Most chargeback transactions are created by back-end processes that receive different com munications from the payment services. ChargebackRe sponse 226 is a message responding to ChargebackRequest 224. [0062] RatesRequest 228 is a message requesting currency exchange rates. This may be for a speci?c currency pair, or it may be a request for a exchange rates. Finay, Rates Response 230 is a message responding to the RatesRequest 228 message. [0063] If CPG encounters and error condition, it Wi communicate the error back in the status and message?eds. For instance, if a refund has a different currency that the origina settement, this Wi return a Faied status. Simpe object access protoco (SOAP) fauts may be sent back for extraordinary errors, such as unexpected database faiures. Athough this is not part of norma processing, a ecommerce systems must be prepared to gracefuy hande fauts. [0064] Most payments go through the steps of accounting, authorizing, and setting. For store accounts, a customer s division ID and account information is saved, and an account token is generated. CPG checks to see if there is aready an account that matches this combination of account number, payment type, and division. If an account exists, the account token is returned. If an account matches for this account number, and payment type, but in a different divi sion, a new account is created With the same account token, but a different division number. This account token is returned. If no token is found, a new account is created With the customer s information. The token for this new account is returned. The Way that accounts are matched depends on the payment type. For credit card payments, CPG Wi attempt to match customer accounts based on the credit card number. For PayPa, CPG Wi ook for accounts With the same emai address. [0065] For authorizing, a payment service is chosen for the transaction and then authorized. Optionay, this method can aso save the customer s account, so some ecommerce patforms can perform both store and authorize in the same Web service ca. CPG creates a ist of payment processors appicabe to this ecommerce patform, merchant site, cur rency, country, and payment type. CPG Wi sort the ist depending on Which payment processors are most appropri ate. The most desirabe payment service is tried?rst. If communication fais, the next payment service is tried. Communication ends after one of the payment services either authorizes or rejects the transaction. The payment service Wi send back an authorization code for a success fu transactions. For exampe, With PayPa, there Wi be ony one payment service option. The chosen payment service Wi be attached to the transaction, so subsequent settement actions Wi execute against this payment service. For browser-based payment schemes (such as PayPa), this ca Wi aso send back a redirect URL to reach the provid er s site. This URL may contain the session ID or order ID in encrypted form. [0066] For settement, a ist of transactions that have previousy been authorized Wi be setted. A transactions in the ist must be for the same payment processor. CPG accumuates transactions into a batch. The ist may aso contain refund transactions. For most conventiona credit card processors, the transactions are accumuated into a batch for processing ater. A settement transactions Within the batch have a status of New. CPG Wi transmit the Whoe batch to the payment processor. The ecommerce system can ater retrieve the status of the settements by doing a ookup of a transactions With the given division BatchID. For PayPa, the payment is actuay setted at the same time as authorization. In other Words, the ecommerce system is guaranteed to receive payment as soon as autho rization is competed. HoWever, PayPa orders Wi sti go through a settement phase after the order is fu?ed. CPG Wi create a settement payment transaction, but Wi not communicate to PayPa for settement. Refund transactions, however, are transmitted directy to PayPa. A payment transactions Wi have a status of Competed. [0067] The ecommerce systems can ook up payment transactions meeting speci?c criteria. For instance, they may request a transactions for a given divisionorderid or for a divisionbatchid. The Foowing Queries Wi Be Supported [0068] divisionid, divisionorderid, transactiontype (op tiona) [0069] divisionid, divisiontransactionid [0070] accounttoken, divisionid, transactiontype (op tiona) [0071] divisionid, startpaymentdate, endpaymentdate [0072] divisionid, batchid [0073] divisionid, divisionbatchid

15 [0074] divisionid, star tcreationdate, endcreationdate, transactiontype (optiona) [0075] Vaid transactiontypes are Authorize, Sette, Refund, Chargeback, Canceation. [0076] Tabe 2(shown beow) outines some of the perfor mance queries in ogging and noti?cations for CPG. For ogging and noti?cations CPG wi use the standard ogging framework buit into Java. This framework aows program mers to create ogger objects for reporting the status of CPG code. After code is written, administrators can attach a hander to each named ogger. The hander speci?es where ogging information is exported. An administrator can specify that some handers save messages to?es, some handers save to the database, and certain handers cause emai or pager communication. Each og message has a severity eve. The Java ogging framework supports the foowing severity eves: SEVERE, WARNING, INFO, CONFIG, FINE, FINER, and FINEST. The SEVERE eve shoud ony be used to report a faiure of service. The WARNING eve shoud ony be used to report situations that coud potentiay ead to a faiure of service. Log messages shoud never contain sensitive information, such as credit card numbers. For norma ogging, each ogger has a name. The defaut practice shoud be to use the current package name as the ogger name. For instance, a the code in the PayPa adapter package can use the ogger named com.digitariver.cpg.payment.adapter.paypa. [0077] Furthermore, every java exception shoud be ogged. Depending on the situation, exceptions shoud have a severity of either SEVERE, WARNING, or INFO. Each shoud begin with the transaction ID and then at east one bank space. If there is no known transaction ID, the message shoud begin with a hyphen and a space. Messages of severity FINE, FINER, or FINEST are usuay ony watched by software deveopers. TABLE 2 Loggezogger : Logger.getLogger( com.digitariver.cpg.payrnent.adapter.chase ); ogger.severe(paymenttrans.gettransactionid( )+ Faied to authorize ); ogger.?ne(paymenttrans.gettransactionid( )+ Retu_rn from authorize [Pymt: + t + miiseconds] ); ogger.warning( -Web service faiure ); [0078] In performance ogging, whenever an adapter makes a communication out to a payment processor, the ca shoud be preceded by a FINE message of the form Caing service name. When the communication ca returns, og another FINE message of the form Return from service name n miiseconds. Aso, externa communications wi aways be timed. Sow database queries may be timed and reported using a FINE message, but this is optiona. Hiber nate generates og messages of its own, so they do not require extra ogging. Moreover, in noti?cation of oggers, there wi be a ogger caed support.cpg, which wi be used to send messages to the hardware and software support staff for CPG. Assume that a SEVERE message to support. cpg wi aways cause an administrator to be paged. Assume that a WARNING message may cause either a page or an emai message. Do not send debugging information to these oggers (FINE, FINER, or FINEST). For each payment processor, there wi be a speci?c ogger to send messages about this adapter. For instance, communication probems with PaymenTech might be ogged to suppor t.cpg.paymen tech. [0079] FIG. 6 shows a diagram of persistent casses and CPG. This?gure aso shows objects saved in database tabes. CPG uses obj ect-reationa ayers to transate rows in the database into Java Objects. PaymentTransaction 248 represents one?nancia transaction made with a a payment service. Each transaction has a tpe such as authorize or sette and a status such as competed or faied. Each transaction has a unique ID assigned when it is saved to the database. These objects are taken from a CPG_PAYMENT_ TRANSACTION tabe. These objects are transated to CPGTransactions 244 when communciated through the web service. [0080] PaymentBatch 246 represents a group of Payment Transactions 248. A transactions in a batch are of the same type. A batch has an overa status such as competed or faied, indicating its compete processing status. These objects are documented in the CPG_PAYMENT_BATCH tabe. They are transated into arrays of CPGTransactions 244 when communicated through the web service. [0081] CustomerAccount 252 encapsuates a customer s identity and credit card information. Each account is iden ti?ed by an acount token and division ID. The actua credit card information is encrypted, and most transactions can be executed using just the token. These objects are stored in a CPG_CUSTOMER_ACCOUNT tabe. The web service may construct them based on AccountInfo objects. Custom eraccounthistory 250 contains historica data whenever a customer account is edited. It is kept in a CPG_CUS TOMER_ACCOUNT_HIST tabe. [0082] PaymentMethod 278 represents a speci?c type of payment, such as Visa, MasterCard, Paypa, or wire transfer. Commerce divisions identify their customer accounts as using a payment method, without having to worry about what payment service wi process it. These objects are stored in a CPG_PAYMENT_METHOD tabe. This tabe is sma and tabe. There are a reativey sma number of payment methods. The identity of the payment method is communicated in CPGTransactions 244 using a method ID string, such as Visa. [0083] PaymentService 276 represents one payment pro cessor that handes transactions for CPG. There may be mutipe payment services for a given payment method (e. g., Visa can be handed by severa services). A given service may hande mutipe methods. For exampe, Paymentech may hande Visa, MasterCard, and Discover. In some cases the payment sevices seems identica to the method (e.g. PayPa transactions are ony processed by the Paypa Cor poration). These objects are stored in a CPG_PAYMENT_ SERVICE tabe. In the web service, they are identi?ed by a payment service string such as Paymentech. [0084] PaymentCon?g 274 is extra information that may be retrieved for a payment service, payment method, pay ment option, or commerce division. These con?guration parameters are stored in a CPG_PAYMENT_CONFIG tabe. PaymentOption 284 speci?es that a given payment service and payment method is avaiabe for a given merchant ID, merchant site ID, currency ID, and country. When a com merce division requests authorization, CPG goes through a compex agorithm to create an ordered ist of payment services that can hande it. The payment optons are used to buid this ist. This agorithm can be used to pcik the most

16 advantageous services in each situation. Each payment option contains a merchant ID number (MID) Which shows Where the revenue Wi be reported back to the accounting systems. These objects are maintained in a CPG_PAYMEN T_OPTION tabe. [0085] PaymentRank 290 speci?es additiona information attached to a payment option, depending on the country and currency of a transaction. This data may be used to indicate that some options are preferabe, depending on the transac tion detais. This data iskept in the CPG_PAYMENT_ RANK tabe. RequestLog 282 represents a singe Web service ca into CPG. These ogs can be used to reconstruct a the og data for a given ca. This is stored in a CPG_ REQUEST_LOG tabe. [0086] CPGLogRecord 292 contains the record of some event Within CPG. These records are often inked to request ogs, orders, or transactions. Log records are created every Where Within the CPG code. They can be retrieved from the database to get a detaied account of each request or trans action. These records are stored in a CPG_LOG tabe. CPG uses the standard Java ogging mechanism, augmented by specia handers that save the information to the database. [0087] Internay, CPG accompishes its functionaity With the foowing persistent casses: PaymentBatch, Payment Transaction, ChaseAdapter, Money, Payment Method, Cus tomer Account, CustomerAccountPK, Customer Account History, Payment Rank, Cpg Log Record, Payment Service, Payment Option, Request Log, Payment Con?g, and PayPa adapter. [0088] FIG. 7 shows persistent casses stored in an Orace database. Java code Wi use a Hibernate framework to persist data into the database. For dependencies, data Wi be persisted into an Orace database. Web services Wi run under OC4J (Orace Containers for Java), a J2EE (Java 2 enterprise edition patform) appication server. In addition, for depoyment and con?guration issues data persistence is performed using Hibernate. Database parameters, such as usemame and password, are stored in the?e hibernate.cfg. Xm, Which must be paced on the casspath. Payment adapters may be con?gured With the database tabe CPG_ PAYMENT_CONFIG. Unit tests and functiona tests Wi be organized so they can be easiy reused as new payment services are added. [0089] CPGAdmin.CPG_PAYMENT_TRANSACTION 294 contains?nancia transactiosn executed by CPG. Each transaction is uniquey identifed by a number, assigned When the transaction is created. CPGAdmin.CPG_PAY MENT_BATCH 310 represents ogica coections of trans actions. Each batch has a unique number identifying it. Each batch has an overa status indicating the success of the batch processing. A transaction can be in at most one batch. CPGAdmin.CPG_CUSTOMER_ACCOUNT 298 repre sents one credit card or business account used in transac tions. Each account is identi?ed by an account token and the division ID. Account tokens may be dupicated for different commerce divisions; in fact CPG attempts to assign the same token if a credit card is used in more than one division. CPGAdmin.CPG_PAYMENT_METHOD 312 represents one type of payment. Methods are uniquey identi?ed by their method ID string, such as Visa, MasterCard, or PayPa. CPGAdmin.CPG_PAYMENT_SERVICE 306 represents one service Who processes payments for CPG. Services are uniquey identi?ed by their service ID string, such as pay mentech, netgiro, or paypa. [0090] CPGAdmin.CPG_PAYMENT_CONFIG 308 de?nes con?guration options that can be retrieved for other objects. CPGAdmin.CPG_OPTION 304 inks payment ser vices to combinations of division, service, method, currency, etc. CPGAdmin.CPG_PAYMENT_RANK 302 aows pay ment options to be ranked, depending n currency and country of transaction. CPGAdmin.CPG_REQUEST_LOG 296 records Web service activity, and CPGAdmin.CPG_ LOG 300 records CPG processing activity. CPG Supports Three Categories of Payment Processors [0091] Direct processing: CPG makes a connection directy to the payment processors for authorization and settement. [0092] Browser redirect processing: The user s browser is redirected to the payment processor s Web site. After payment is made, the processor Wi communicate status back to CPG. [0093] Deayed payment: The user indicates that payment Wi be handed at a ater time. System Requirements [0094] CPG is capabe of storing a secure shopper trans action data. CPG consists of payment adapters, appication server, Web server, APIs, data ceanser, database, and other modues, as deemed appropriate by designers. Secure trans action data incudes credit card numbers, Card Veri?cation Vaue codes (CVV), and veri?ed by Visa authorization codes. Commerce systems shoud not persist sensitive trans action data, such as credit card numbers. CPG is avaiabe for use by a variety of ecommerce systems. CPG offers a singe point of integration for a ecommerce systems and payment processors. Integration point is made up of severa APIs, incuding Direct Connect, Web Services, etc. Distribution and Redundancy [0095] CPG is avaiabe in a variety of ecommerce com pany data centers. It stores secure transaction data from the order taker databases physicay in that data center. For exampe, a United Kingdom (UK) data center contains three order taker databases. A secure transaction data from the databases Wi be copied to the CPG in the UK data center. A secure data from the data center CPG sha be copied to a centraized CPG in a United States (US) data center. Each data center Wi have a minimum of one redundant CPG that mirrors the data in the case of faiure of the primary CPG. Data Communication Link [0096] Any e-commerce system may communicate a transaction data to the CPG via Web services. A transac tions Wi be sent to the CPG in XML data format. Security [0097] CPG protects data stored in the CPG. CPG utiizes a security enveope to protect against unauthorized access of secure transaction data. Access to the data Within the CPG is ony aowed through a separate, secure IP address. Data transferred into and out of the CPG is encrypted. CPG is

17 protected by a?rewa. To protect the data, NAT (Network Address Transation) is not aowed for accessing the CPG. Secure Sockets Layer (SSL) Communication from Web Servers to CPG [0098] Eeb services are protected by usemames and pass Words, using Basic Authentication. Ecommerce systems are prevented from initiating transactions or performing ookups against the division IDs of other e-commerce systems. Many payment processors do not support SSL because they ack decryption capabiity. Therefore, to protect the data com munications from the CPG to the payment processors, direct connections into the payment processors (i.e., PaymenTech and Chase) may be used. Data shoud be encrypted When ever it is being transferred via an Ethernet. Access accounts shoud be estabished for Web Services. Accordingy, users shoud provide their credentias before connecting to the CPG Web Service. Logging Transactions [0099] In another preferred embodiment, CPG records transactions performed by the CPG for audit trai purposes. Transaction data is persisted in a database and is avaiabe for reporting. Error events are used to trigger the generation of noti?cations. Secure transaction data is removed before ogging the transactions. Service Fees [0100] In a preferred embodiment, CPG tracks payment method use rates. Fees are typicay provided via?at?e on a per transaction basis. Aso, CPG monitors interchange rates. For exampe, an interchange rate may be 1.85% or 1.9%. It Wi be understood, for exampe, that some Visa rates are 2.58%. Accounting [0101] CPG prefers that commerce patforms to sette transactions at the same time, With each payment provider each day. Commerce systems can submit settements at any time, but the settement batch shoud contain transactions for a singe business day. This ensures that the transactions and the settement batch are reconcied for the same business day, for reconciiation to the speci?c commerce system s saes reports. [0102] Fees directy impact the amount of money funded into an ecommerce system bank account and decrease the tota amount of settement. CPG aigns the fees by payment providers and charges the ecommerce system With each transaction. CPG Settement Architecture [0103] CPG uses a batch queue approach to setting pay ments from e-commerce patforms. Commerce systems can send settements to the CPG, Which may store them and send them to the payment processors in batches on a pre-de?ned schedue. Commerce systems can ater retrieve the resuts for a given batch. A best practice is to ensure that a settements in a batch are for the same business day. This aows a commerce system to easiy retrieve a compete business day s settements for accounting purposes. Media Identi?cation Code (MID) creation [0104] In a preferred embodiment, CPG can support a standard setup of MID s across any payment providers. CPG shoud support the existing MID s from a commerce system. Payment Processor Seection [0105] In another preferred embodiment, CPG supports dynamic seection of a payment processor based?nancia advantage to an ecommerce system. CPG aows adminis trators to specify Which processors are preferred for any combination of payment type, currency, and country. [0106] For exampe, With Veri?ed by V1sa, the commerce system redirects the shopper s browser to Visa for authori Zation of the password. After veri?cation, the shopper returns to the site to compete the transaction. The purpose of this project is to create a payment processing soution that is avaiabe for use by a variety of ecommerce systems. A centraized payment gateway soution provides a singe point of integration for a systems, improves manageabiity of data by storing it in a centra ocation, improves security of sensitive data, and reduces redundant payment adapter soutions. USE CASES Use Case 1: Store Customer Account [0107] Summary Sensitive customer account information is persisted to the database and a token is generated to represent this data. If an account aready exists for this information, the token for the existing account is retrieved. [0108] Primary actor: Ecommerce System [0109] Minima guarantees There is a customer account in the database, With a unique token. [0110] Basic course of events: CPG checks to see if there is aready an account that matches this combination of account number, payment type, and division. If an account exists, the account token is returned. If an account matches for this account number, and payment type, but in a different division, a new account is created With the same account token, but a different division number. This account token is returned. If no token is found, a new account is created With the customer s information. The token for this new account is returned. Extensions match ing ogic may be different for each payment type. Use Case Name 2: Authorize Payment [0111] Summary: The ecommerce system checks that the payment processor recognizes this account information, and that the customer has su?icient credit to purchase for a speci?c amount. The payment processor may reduce the customer s avaiabe credit. [0112] Primary actor: Ecommerce System [0113] Preconditions: Customer Account aready exists With an Account Token. [0114] Minima guarantees: After processing, the transac tion Wi be assigned a status of either COMPLETED, PENDING, or FAILED.

18 10 [0115] Success guarantees: The payment processor Wi return an authorization code for this transaction, indicat ing that the customer may make this purchase. The transaction Wi have a status of COMPLETED. When ever possibe, the Address Veri?cation Service (AVS) code Wi be returned. The commerce system may use the AVS code for fraud screening. [0116] Basic course of events: CPG determines the most appropriate payment processor for the given ecommerce system, merchant store, currency, country, and payment type. CPG requests authorization for this purchase. If communication fais, CPG tries to authorize With the next most appropriate payment processor, and continues to retry unti a payment processor can be reached. If no payment processors can be reached, CPG Wi mark this transaction as FAILED and report an error. CPG Wi aso support an authorization ca With just an account number, but Without a token. In this case, CPG Wi retrieve or create the token. Use Case Name 3: Batch Settement [0117] Summary: The Ecommerce System seeks to sette a batch of previousy authorized transactions. [0118] Primary actor: Ecommerce System [0119] Preconditions: Customer Accounts aready exist for a transactions. A transactions in the batch are for the same payment processor, and a have unique authoriza tion codes. [0120] Minima guarantees: After processing, each trans action Wi be assigned a status of either COMPLETED or FAILED. [0121] Success guarantees: CPG Wi return the batch ID number. [0122] Basic course of events: Submit batch of settements to the payment processor. Return a ist of a transactions and statuses. Use Case Name 4: Order Status Lookup [0123] Summary: Ecommerce System may request the current status of an order s authorization or settement, based on the division and the division s order ID. [0124] Primary actor: Ecommerce System [0125] Success guarantees: A ist of payment transactions Wi be returned. [0126] Basic course of events: Retrieve the given order s status. If not found, report an error. [0127] Extensions: The foowing queries Wi be sup ported: [0128] divisionid, divisionorderid, transactiontype (optiona) [0129] divisionid, divisiontransactionid [0130] accounttoken, divisionid, transactiontype (op tiona) [0131] For fraud divisionid is optiona [0132] divisionid, startpaymentdate, endpaymentdate [0133] divisionid, batchid [0134] divisionid, divisionbatchid [0135] divisionid, star tcreationdate, endcreationdate, transactiontype (optiona Use Case Name 5: Refund [0136] Summary: The Ecommerce System requests that some or a of the setted payment on an order be refunded to the customer. This Wi be accompished by making a settement transaction for a refunded amount. [0137] Primary actor: Ecommerce System [0138] Preconditions: Authorization and settement records must aready exist for this division ID and order ID. [0139] Minima guarantees: After processing, the new transaction Wi be assigned a status of either COM PLETED or FAILED. [0140] Success guarantees: A new refund transaction Wi be recorded a status of COMPLETED. [0141] It Wi be understood by one of ordinary ski in the art that ecommerce systems may ony refund payments setted by their own division ID. Tota refund may not exceed the tota amount setted. Refunds must be in the same currency as the settement. In some cases, additiona infor mation may be necessary, such as the bank name, bank country, and bank account number. Refunds may be deayed. Use Case Name 6: Canceation [0142] Summary: Cance a previousy executed transac tion. [0143] Primary actor: Ecommerce System [0144] Preconditions: Origina transaction must exist. [0145] Minima guarantees: A new payment transaction record Wi exist documenting this canceation. Use Case Name 7: Chargebacks [0146] Summary: Customer compains to the payment processor and has a charge reversed. CPG Wi document these transactions. [0147] Primary actor: Payment processor [0148] Preconditions: Setted payment transaction aready exists for this transaction. [0149] Minima guarantees: A payment transaction Wi exist for this chargeback. [0150] Basic course of events: CPG receives the charge back information, creates transaction records and associ ates them With the origina settement. [0151] Tabe 3, shown beow, is a sampe query performed in the commerce back end of CPG. This agorithm, or SQL database ogic, determines the most speci?c payment service and the east speci?c payment service type. The arbitration engine matches the division ID, site ID, and payment methods. It aso determines Whether payment methods, currency IDs, country IDs, category?eds are bank (nu). TABLE 3 String strnt I from PaymentOption as PO + Where PO.paymentService. payments erviceid I :paymentserviceid + and PO.divisionIDI:divisionID + and (POdivisionSiteIDI:divisionSiteID or POdivisionSiteID is NULL) + and PO.paymentMethod.paymentMethodIDI:paymentMethodID + and (PO.currencyIDI:currencyID or PO.currencyID is NULL) + and (PO.countryIDI:countryID or PO.countryID is NULL) + and (POmidcategoryI:midCategory or POmidcategory is NULL) + and PO.statusI:activeStatus + order by POdivisionSiteID, PO.cntityCode, POmidcategory, PO.countryID, PO.currencyID ; Query query I session.createquery(strnt); query.setstring( paymentserviceid, paymentserviceid); query.setstring( divisionid, divisionid);

19 11 TABLE 3-continued query.setstring( divisionsiteid, divisionsiteid); paymentmethodid I StringUtis.trirnToErnpty(payrnentMethodID); query.setstring( paymentmethodid, paymentmethodid); query.setstring( currencyid, currencyid); query.setstring( countryid, countryid); query.setstring( rnidcategory, midcategory); query.setstring ( activestatus, active ); [0152] It is to be understood that even though numerous characteristics and advantages of various embodiments of the present invention have been set forth in the foregoing description, together With detais of the structure and func tion of various embodiments of the invention, this discosure is iustrative ony, and changes may be made in detai, especiay in matters of structure and arrangement of parts Within the principes of the present invention to the fu extent indicated by the broad genera meaning of the terms in Which the appended caims are expressed. For exampe, the particuar eements may vary depending on the particuar appication for the Web interface such that different com munication protocos may be organized or designed differ enty Whie maintaining substantiay the same functionaity and Without departing from the scope and spirit of the present invention. What is caimed is: 1. A computer based system having a software modue programmed to enabe more than one eectronic commerce patform to communicate through a Web service based appication programming interface to more than one pay ment service provider. 2. A Web service for providing a payment service arbi tration engine, the Web service being operativey con?gured to obtain user data from at east one eectronic commerce patform and to determine an optima payment service provider based upon the obtained user data. 3. A method for arbitrating between various payment service providers, comprising steps of: obtaining user data from at east one eectronic commerce patform; and determining an optima payment service provider based upon the obtained user data as We as currency require ments, exchange rates, transaction fees, and service provider ocation. 4. The method of caim 3 further comprising steps per formed by a user interacting With the eectronic commerce patform during a payment process of seecting payment method and entering payment information. 5. The method of caim 3 further comprising steps of: communicating to patform to send payment information to a Web service; communicating to patform to send authorization requests to the Web service; and sending authorization response to patform. 6. The method of caim 5 further comprising a step of continuing a checkout process at the eectronic commerce patform after the authorization response is received. 7. The method of caim 5 further comprising a step of fu?ing an order at the eectronic commerce patform by sending a settement request to a Web service. 8. The method of caim 3 further comprising steps of: constructing a Uniform Resource Locator (URL) for a payment process service provider; redirecting customer to the URL; and verifying customer s payment from the payment process service provider. 9. The method of caim 8 further comprising a step of sending a communication to the eectronic commerce pat form that causes the patform to reease a customer order after verifying the customer s payment for the customer order.

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