SYSTEM AND METHOD FOR PERMITTING A USER TO SUBMIT A PAYMENT ELECTRONICALLY

摘要

A system and method for permitting a user to submit a payment electronically, which includes a network and an electronic device in communication. The electronic device is operated by the user to submit an electronic payment request. A first server in communication with the network receives the request and in response communicates an encryption key and process to the electronic device. The electronic device encrypts the financial information with the encryption key and process and communicates encrypted financial information to the first server. A second server is in communication with the first server at least some of the time via an Internet connection. If there is Internet connectivity, the first server communicates the encrypted financial information to the second server. If there is no Internet connectivity and the payment amount is less than a predefined amount, the first server communicates to the electronic device that the payment has been accepted.

主权项

1. A system for permitting a user to submit a payment electronically, the system comprising:
a network and an electronic device in communication with the network in which the electronic device is operated by the user to submit a request for submitting a payment electronically; a first server in communication with the network in which the first server receives the request and in response communicates an encryption key and process to the electronic device for encrypting financial information provided by the user via the electronic device in which the electronic device encrypts the financial information with the encryption key and process and communicates encrypted financial information to the first server; and a second server in communication with the first server at least some of the time via an Internet connection in which if there is Internet connectivity, the first server communicates the encrypted financial information to the second server and if there is no Internet connectivity, the first server stores the encrypted financial information until there is Internet connectivity.