Gateway service platform

摘要

A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system.

主权项

1. A method comprising:
selecting, by a device, a gateway amongst a plurality of gateways; sending a request, from the device to the selected gateway over an open network, to access a service, wherein the device is configured to communicate with the gateway before communicating with an acquirer, wherein the request is sent to a service system provided by a server computer, wherein the service system is one of a plurality of service systems communicatively coupled to the gateway, wherein the service system is communicatively coupled to a payment processing system, wherein the service system is configured to provide one or more of services related to an account held by a user, and wherein the service system further comprises an application tier and is configured to communicate with a shared database tier that is being shared amongst the plurality of service systems, wherein the application tier contains logic used to provide one or more services related to the account held by the user, and wherein the shared database tier stores information used to provide the one or more services related to the account held by the user; and receiving, at the device, a response from the service system.