Transaction card information access web service

a technology of information access and information card, applied in the field of computerized information systems and information retrieval, can solve the problems of high cost of information retrieval methods and systems, cumbersome and time-consuming, and inconvenient use, and achieve the effect of reducing the time to reques

Active Publication Date: 2008-03-11
AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

The technical effect of this patented technology is to create a way for users to easily connect their banking account from one country to another world while still being able to communicate with merchants or consumers through various means like email or instant messaging. This allows banks to send money directly to people who are interested in buying products online instead of waiting for them to visit stores. Additionally, it provides a way to track and collect data about how well these funds work, which helps businesses make informed investment strategies.

Problems solved by technology

The technical problem addressed by this patent is how to efficiently retrieve and provide transaction card information from an issuer's server while ensuring compatibility across different types of networks used by the issuer and the acquirer. Additionally, it addresses the issue of requiring unique hardware and software interfaces when purchasing authorization certificates over internet channels, making them difficult to manage and costly.

Method used

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  • Transaction card information access web service
  • Transaction card information access web service
  • Transaction card information access web service

Examples

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Embodiment Construction

[0029]One embodiment of the present invention provides a web service that enables authorized merchants or customers to request and receive selected transaction card information over the internet from an information provider system or network in a standard format. The standard format will enable convenient integration of the transaction card information into existing and future consumer applications and end-point access devices or machines.

[0030]Using the method and system described herein, a consumer or merchant can request and receive selected transaction card information in an extensible markup language (XML) format via the internet using a web service preferably described in the web services description language (WSDL) that uses simple object access protocol (SOAP) as the communications protocol between the web service provider and merchant or consumer. The system and method of the present invention is platform neutral such that the requesting merchant or consumer systems may functi

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Abstract

There is provided a platform neutral method and system for retrieving card information in an extensible markup language (XML) format over the internet via a web service comprising the steps of formulating a simple access object protocol (SOAP) request for the selected information at a consumer application, transmitting the SOAP request to the web service over the internet, receiving the SOAP requests at a provider web service, routing the information request for card information to a provider back-end network, processing the information request and retrieving the selected card information and forwarding to the web service application, formatting the retrieved selected card information in an XML format and formulating a SOAP reply, transmitting the SOAP reply to the consumer over the internet, receiving the SOAP reply at a consumer web server application, reading the XML formatted stored value card information, and routing the XML formatted information to a consumer back-end application or end-point access devices.

Description

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Claims

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Application Information

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Owner AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC
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