Method and system for conducting business in a transnational E-commerce network

Abstract

The invention presents a method and system for processing the purchase of products, goods and/or services, more particularly, to a method and system for processing the purchase by a buyer of products from one or more sellers of products in an on-line real-time e-Commerce business environment where the merchant server from which the goods are purchased lacks adequate encryption security for the purchasing of the goods by credit card. The method and system also allows for the easy up-dating registration by a merchant of the items available for purchase as maintained on the Web, DB server. The invention also discloses a method and system for avoiding the hindrance of foreign exchange rates fluctuations on the payment of on-line real-time e-Commerce trading. The system provides for a splitting of a merchant server into a Web, DB server and a payment server, the payment server being located in a nation state to which a purchaser may securely transmit encrypted credit card information in order to purchase product available on websites maintained on the Web, DB server.

What I claim is: 
     
       1. A method for conducting on-line purchasing in an e-Commerce transnational business environment, purchasing being conducted over a computer network comprising a payment server having a credit card information transaction security system, a Web, DB server having a credit card information transaction security system less secure than the credit card information transaction security system of the payment server, at least one first remote computer, at least one second remote computer, at least one first communication channel connecting the at least one first remote computer to the payment server and to the Web, DB server, at least one second communication channel connecting the at least one second remote computer to the Web, DB server, and at least one third communication channel connecting the Web, DB server to the payment server, the method comprising the steps of:
 a) positioning the Web, DB server in one of a first nation state and a second nation state:   b) positioning the payment server in the first nation state;   c) using the at least one first remote computer to identify an item to be purchased from at least one item registered for purchase on the Web, DB server;   d) communicating a purchase request for the item identified to be purchased by a buyer from the at least one first remote computer to the Web, DB server;   e) switching of communication from the buyer with the Web, DB server to the payment server;   f) providing credit card payment information by the buyer for the item to be purchased from the at least one first remote computer to the payment server;   g) transferring credit card payment confirmation information from the payment server to the Web, DB server; and   h) up-dating the Web, DB server with respect to the purchase of the item identified by the buyer.   
     
     
       2. The method of  claim 1 , wherein the second nation state has no available credit card information transaction security sufficient to meet the security requirements of the buyer. 
     
     
       3. The method of  claim 2 , wherein the first nation states is the United States of America. 
     
     
       4. The method of  claim 2 , wherein the second nation states is the People's Republic of China. 
     
     
       5. The method of  claim 1 , further comprising the steps of:
 i) transferring the credit card payment information for the item to be purchased from the payment server to a buyer's bank via an acquiring bank;   j) processing of the credit card payment information by the buyer's bank for a validation decision result; and   k) communicating the result to the payment server via the acquiring bank.   
     
     
       6. The method of  claim 5 , further comprising the step of:
 l) communicating confirming purchase information by the payment server to the buyer.   
     
     
       7. The method of  claim 6 , further comprising the step of;
 m) communicating confirming purchase information to the Web, DB server.   
     
     
       8. The method of  claim 7 , further comprising the step of:
 n) up-dating of the Web, DB server of the at least one item registered for purchase using the at least one second remote computer.   
     
     
       9. The method of  claim 5 , further comprising the step of:
 i) exchanging buyer purchase information between the Web, DB server and the at least one second remote computer with respect to the purchase of the item identified by the buyer to include buyer's identity information and quantity purchased in order for merchant to provide and service the at least one item registered for purchase.   
     
     
       10. The method of  claim 1 , further comprising the step of:
 i) up-dating of the Web, DB server of the at least one item registered for purchase using the at least one second remote computer.   
     
     
       11. The method of  claim 1 , further comprising the step of:
 i) exchanging buyer purchase information between the Web, DB server and the at least one first remote computer with respect to the purchase of the item identified by the buyer to include buyer's identity information and quantity purchased in order for merchant to provide and service the at least one item registered for purchase.   
     
     
       12. A system for conducting on-line buying by a buyer in an e-Commerce transnational business environment comprising:
 a payment server having a credit card information transaction security system,   a Web, DB server having a credit card information transaction security system less secure than the credit card information transaction security system of the payment server,   at least one first remote computer,   at least one second remote computer,   at least one first communication channel connecting the at least one first remote computer to the payment server and to the Web, DB server,   at least one second communication channel connecting the at least one second remote computer to the Web, DB server, and   at least one third communication channel connecting the Web, DB server to the payment server, wherein the Web, DB server is positioned in one of a first nation state and a second nation state and the payment server is positioned in the first nation state.   
     
     
       13. The system of  claim 12 , wherein the first nation state is the United States of America. 
     
     
       14. The system of  claim 12 , wherein the Web, DB server is positioned in the second nation state. 
     
     
       15. The system of  claim 12 , wherein the Web, DB server is positioned in the first nation state. 
     
     
       16. The system of  claim 12 , further comprising a buyer's bank and an acquiring bank. 
     
     
       17. An online method for a payment server to support online buying over the Internet, the online method comprising:
 receiving, at the payment server, credit card payment information transmitted from a buyer for payment of one or more items identified for purchase from a website listing the items, wherein the credit card payment information is received after online communication of the buyer has been switched from the website listing the items to a website supported by the payment server, wherein the switching of the online communication of the buyer is after an indication from the buyer to buy the one or more of the items;   sending information corresponding to the credit card payment information for the payment of the one or more items to an established financial channel;   receiving a credit card payment processing decision from the established financial channel; and   sending credit card payment confirmation information;   wherein:   transmission of information about the items for purchase between a server supporting the website listing the items and the buyer, before occurrence of the indication to buy, is less secure than transmission, from the buyer, of the credit card payment information, the transmission of the credit card payment information being performed under a security protocol for encryption of the credit card payment information,   and   the sending of the credit card payment confirmation information updates the server supporting the website listing the items, with respect to the purchase of the one or more items identified by the buyer,   wherein the payment server has a respective IP address different from a respective IP address of the server supporting the website listing the items.   
     
     
       18. A non-transitory computer readable medium storing program code for supporting online buying over the internet, the program code being executable by a processor to perform operations comprising:
 receiving, at a payment server, credit card payment information transmitted from a buyer for payment of one or more items identified for purchase from a website listing the items, wherein the credit card payment information is received after online communication of the buyer has been switched from the website listing the items to a website of the payment server, wherein the switching of the online communication of the buyer is after an indication from the buyer to buy the one or more of the items;   sending information corresponding to the credit card payment information for the payment of the one or more items to an established financial channel;   receiving a credit card payment processing decision from the established financial channel; and   sending credit card payment confirmation information;   wherein:   transmission of information about the items for purchase between a server supporting the website listing the items and the buyer, before occurrence of the indication to buy, is less secure than transmission, from the buyer, of the credit card payment information, the transmission of the credit card payment information being performed under a security protocol for encryption of the credit card payment information, and   the sending of the credit card payment confirmation information updates the server supporting the website listing the items, with respect to the purchase of the one or more items identified by the buyer, in support of a real-time purchasing/sales environment on the website listing the items,   wherein the website of the payment server has an IP address different from a respective IP address of the website listing the items.   
     
     
       19. An online method to support online buying over the Internet, the online method comprising:
 supporting, by a server, a website listing items available to a buyer;   receiving, by the server in an online communication from the buyer, an indication to buy one or more items from the website listing the items;   switching the online communication of the buyer to a website supported by a payment server,   wherein credit card payment information is transmitted from the buyer to the payment server for payment of one or more items identified for purchase from the website listing the items, wherein the credit card payment information is received by the payment server after the online communication of the buyer has been switched from the website listing the items to the website supported by the payment server, wherein the switching of the online communication of the buyer is after the indication from the buyer to buy the one or more of the items;   receiving credit card payment confirmation information,   wherein transmission of information about the items for purchase between the server supporting the website listing the items and the buyer, before occurrence of the indication to buy, is less secure than transmission, from the buyer, of the credit card payment information, the transmission of the credit card payment information being performed under a security protocol for encryption of the credit card payment information; and   updating the server supporting the website listing the items with respect to the purchase of the one or more items identified by the buyer based on the credit card payment confirmation information,   wherein the website listing the items has a respective IP address different from a respective IP address of a website supported by the payment server.   
     
     
       20. A non-transitory computer readable medium storing program code for supporting online buying over the Internet, the program code being executable by a processor to perform operations comprising:
 supporting, by a server, a website listing items available to a buyer;   receiving, by the server in an online communication from the buyer, an indication to buy one or more items from the website listing the items;   switching the online communication of the buyer to a website supported by a payment server,   wherein credit card payment information is transmitted from the buyer to the payment server for payment of one or more items identified for purchase from the website listing the items, wherein the credit card payment information is received by the payment server after the online communication of the buyer has been switched from the website listing the items to the website supported by the payment server, wherein the switching of the online communication of the buyer is after the indication from the buyer to buy the one or more of the items;   receiving credit card payment confirmation information,   wherein transmission of information about the items for purchase between the server supporting the website listing the items and the buyer, before occurrence of the indication to buy, is less secure than transmission, from the buyer, of the credit card payment information, the transmission of the credit card payment information being performed under a security protocol for encryption of the credit card payment information; and   updating the server supporting the website listing the items with respect to the purchase of the one or more items identified by the buyer based on the credit card payment confirmation information,   wherein the website listing the items has a respective IP address different from a respective IP address of the website supported by the payment server.   
     
     
       21. The non-transitory computer readable medium of claim 20, wherein the operations further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server a real-time purchasing/sales for a merchant having product information on the server.   
     
     
       22. The non-transitory computer readable medium of claim 20, wherein the operations further comprises:
 receiving at the server at least one communication message that indicates a buyer needs requirement;   making the buyer needs requirement accessible, via the server, to at least some of a plurality of merchants;   automatically generating one or more merchant responses to the buyer needs requirement, the one or more merchant responses defining one or more merchant bids to fulfill the buyer needs requirement; and   making the merchant responses accessible to the buyer in real-time.   
     
     
       23. The non-transitory computer readable medium of claim 20, wherein the operations further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server a real-time purchasing/sales environment for a plurality of merchants having product information on the server;   receiving at the server at least one communication message that indicates a buyer needs requirement;   making the buyer needs requirement accessible, via the server, to at least some of the plurality of merchants;   automatically generating one or more merchant responses to the buyer needs requirement, the one or more merchant responses defining one or more merchant bids to fulfill the buyer needs requirement, the one or more merchant responses being generated via access to the product information in the readily refreshed cache to avoid a submission delay for a merchant input in response to the buyer needs requirement; and   making the merchant responses accessible to the buyer in real-time.   
     
     
       24. The non-transitory computer readable medium of claim 20, wherein the operations further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server a real-time purchasing/sales environment for a plurality of merchants having product information on the server.   
     
     
       25. The non-transitory computer readable medium of claim 20, wherein the operations further comprises online bidding for buyers to submit needs requirements in solicitation of bids from merchants. 
     
     
       26. The method of claim 17, wherein the method further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server a real-time purchasing/sales for a merchant having product information on the server.   
     
     
       27. The method of claim 17, wherein the method further comprises:
 receiving at the server at least one communication message that indicates a buyer needs requirement;   making the buyer needs requirement accessible, via the server, to at least some of a plurality of merchants;   automatically generating one or more merchant responses to the buyer needs requirement, the one or more merchant responses defining one or more merchant bids to fulfill the buyer needs requirement; and   making the merchant responses accessible to the buyer in real-time.   
     
     
       28. The method of claim 17, wherein the method further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server a real-time purchasing/sales environment for a plurality of merchants having product information on the server;   receiving at the server at least one communication message that indicates a buyer needs requirement;   making the buyer needs requirement accessible, via the server, to at least some of the plurality of merchants;   generating one or more merchant responses to the buyer needs requirement, the one or more merchant responses defining one or more merchant bids to fulfill the buyer needs requirement, the one or more merchant responses being generated via access to the product information in the readily refreshed cache to avoid a submission delay for a merchant input in response to the buyer needs requirement; and   making the merchant responses accessible to the buyer in real-time.   
     
     
       29. The method of claim 17, wherein the method further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server a real-time purchasing/sales environment for a plurality of merchants having product information on the server.   
     
     
       30. The method of claim 17, wherein the method further comprises online bidding for buyers to submit needs requirements in solicitation of bids from merchants. 
     
     
       31. The method of claim 19, wherein the method further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server a real-time purchasing/sales for a merchant having product information on the server.   
     
     
       32. The method of claim 19, wherein the method further comprises:
 receiving at the server at least one communication message that indicates a buyer needs requirement;   making the buyer needs requirement accessible, via the server, to at least some of a plurality of merchants;   automatically generating one or more merchant responses to the buyer needs requirement, the one or more merchant responses defining one or more merchant bids to fulfill the buyer needs requirement; and   making the merchant responses accessible to the buyer in real-time.   
     
     
       33. The method of claim 19, wherein the method further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server a real-time purchasing/sales environment for a plurality of merchants having product information on the server;   receiving at the server at least one communication message that indicates a buyer needs requirement;   making the buyer needs requirement accessible, via the server, to at least some of the plurality of merchants;   generating one or more merchant responses to the buyer needs requirement, the one or more merchant responses defining one or more merchant bids to fulfill the buyer needs requirement, the one or more merchant responses being generated via access to the product information in the readily refreshed cache to avoid a submission delay for a merchant input in response to the buyer needs requirement; and   making the merchant responses accessible to the buyer in real-time.   
     
     
       34. The method of claim 19, wherein the method further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server a real-time purchasing/sales environment for a plurality of merchants having product information on the server.   
     
     
       35. The method of claim 19, wherein the method further comprises online bidding for buyers to submit needs requirements in solicitation of bids from merchants. 
     
     
       36. The non-transitory computer readable medium of claim 18, wherein the operations further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server the real-time purchasing/sales environment for a merchant having product information on the server.   
     
     
       37. The non-transitory computer readable medium of claim 18, wherein the operations further comprises:
 receiving at the server at least one communication message that indicates a buyer needs requirement;   making the buyer needs requirement accessible, via the server, to at least some of a plurality of merchants;   generating one or more merchant responses to the buyer needs requirement, the one or more merchant responses defining one or more merchant bids to fulfill the buyer needs requirement; and   making the merchant responses accessible to the buyer in real-time.   
     
     
       38. The non-transitory computer readable medium of claim 18, wherein the operations further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server the real-time purchasing/sales environment for a plurality of merchants having product information on the server;   receiving at the server at least one communication message that indicates a buyer needs requirement;   making the buyer needs requirement accessible, via the server, to at least some of the plurality of merchants;   generating one or more merchant responses to the buyer needs requirement, the one or more merchant responses defining one or more merchant bids to fulfill the buyer needs requirement, the one or more merchant responses being generated via access to the product information in the readily refreshed cache to avoid a submission delay for a merchant input in response to the buyer needs requirement; and   making the merchant responses accessible to the buyer in real-time.   
     
     
       39. The non-transitory computer readable medium of claim 18, wherein the operations further comprises:
 providing the server with a readily refreshed cache, configured to provide on the server the real-time purchasing/sales environment for a plurality of merchants having product information on the server.   
     
     
       40. The non-transitory computer readable medium of claim 18, wherein the operations further comprises online bidding for buyers to submit needs requirements in solicitation of bids from merchants.