Payments platform, method and system for a cloud computing platform

Patent metadata

Field	Value
Publication number	US-11074559-B2
Application number	US-201916557605-A
Country	US
Kind code	B2
Filing date	Aug 30, 2019
Priority date	Aug 30, 2019
Publication date	Jul 27, 2021
Grant date	Jul 27, 2021

Abstract

A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payment gateways that include a particular payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a payment gateway. The payments platform module has a pluggable architecture for integrating each of the payment gateway adapters with the cloud computing platform.

First claim

What is claimed is:

1. A cloud-based computing system, comprising:
a plurality of different respective payment gateways, wherein each respective payment gateway is an application service provider that provides a payment gateway adapter configured to provide different payment gateway functionality customized for each respective payment gateway; and
a cloud computing platform, comprising:
a multitenant database system that is configurable to provide applications and services to a plurality of clients, wherein each client is a tenant or organization of the cloud computing platform that transacts business with one or more customers via one or more of the respective payment gateways that are external to the cloud computing platform; and
a payments platform module having a pluggable architecture configurable to integrate one or more of the respective payment gateway adapters of the plurality of different respective payment gateways with the cloud computing platform so that one or more of the clients of the multitenant database system are configured to selectively integrate a selected one or more of the respective payment gateway adapters to implement thereby enabling customers of the clients to perform payment transactions using the plurality of different respective payment gateways via the payments platform module of the cloud computing platform, wherein one or more of the respective payment gateway adapters is coded using a custom programming language of the cloud-based computing platform using standardized application programming interfaces (APIs) provided by the payments platform module of the cloud computing platform such that the respective payment gateway adapters are pluggable into the payments platform module, and wherein one or more of the respective payment gateway adapters is published as a managed package that is configured to be accessible to the clients so that clients can selectively install and instantiate one or more of the respective payment gateway adapters that is selected for integration by that client, and
wherein the payments platform module provides: payment gateway client APIs that are coded using the custom programming language of the cloud-based computing platform and that clients can utilize to interact with the various different respective payment gateways: and payment gateway adapter APIs of the respective payment gateway adapters for each of the different respective payment gateways, wherein the payment gateway adapter APIs are configurable to enable each respective payment gateway to integrate with the payments platform module, and
wherein the payments platform module comprises:
a software-based payment gateway integration layer that is configurable to enable the payments platform module to interact with the different respective payment gateways by providing the payment gateway adapter APIs to interact with each of the plurality of different respective payment gateways, wherein the payment gateway adapter APIs serve as a bridge for interaction between the payment gateway integration layer and the different respective payment gateways, and
wherein the respective payment gateway adapters translate the payment gateway adapter APIs of the respective payment gateway adapters into the payment gateway client APIs of the cloud computing platform so that they are compatible.

2. The cloud-based computing system according to claim 1 , further comprising:
a third-party application exchange configured to store the respective payment gateway adapters for the plurality of different respective payment gateways, each of the respective payment gateway adapters being customized for a particular one of the different respective payment gateways.

3. The cloud-based computing system according to claim 2 , wherein the respective payment gateway adapters are published via the third-party application exchange by their corresponding payment gateway.

4. The cloud-based computing system according to claim 2 , wherein each of the respective payment gateway adapters, when executed by the hardware-based processing system, is configurable to cause:
receiving and processing payment transaction requests from clients by calling a particular payment gateway adapter specified in each the payment transaction request; and
processing and returning payment transaction responses that originate from one of the different respective payment gateways.

5. The cloud-based computing system according to claim 2 , wherein each of the respective payment gateway adapters are selectable by any of the clients for integration with the payments platform module to allow the clients to select any of the payment gateways to execute payment transactions with their customers through the payments platform module using the particular payment gateways that are selected.

6. The cloud-based computing system according to claim 2 , wherein the payments platform module provides:
the payment gateway client APIs to the clients to call from flows, process builders, and customer code.

7. The cloud-based computing system according to claim 6 , wherein the payment gateway integration layer coordinates calls between the payments platform module and the different respective payment gateways, wherein the payment gateway integration layer, when executed by the hardware-based processing system, is configurable to cause:
receiving and processing payment transaction requests from clients by calling a respective payment gateway adapter specified in each the payment transaction request, wherein each payment transaction request comprises information regarding which respective payment gateway adapter to use so that payments platform module knows which respective payment gateway adapter to call and invoke; and
processing and returning payment transaction responses that have been translated by and forwarded from the respective payment gateway adapters, wherein the payment transaction responses originate from one of the different respective payment gateways.

8. The cloud-based computing system according to claim 6 , wherein the payment gateway integration layer, when executed by the hardware-based processing system, is configurable to cause:
initializing and loading, based on a configuration specified in a payment transaction request, a specific environment for the respective payment gateway adapter;
converting the payment transaction request to a specific format for the respective payment gateway adapter;
calling and executing the respective payment gateway adapter;
receiving and converting a payment transaction response that is specific to the respective payment gateway into a gateway payment transaction response that is specific to the payments platform module; and
returning the gateway payment transaction response.

9. The cloud-based computing system according to claim 6 , wherein the payments platform module, when executed by the hardware-based processing system, is configurable to cause:
executing the respective payment gateway adapter that has been selected by a particular client to implement a set of payment gateway adapter APIs so that APIs of the respective payment gateway can be translated into the payment gateway client APIs the cloud computing platform.

10. The cloud-based computing system according to claim 1 , wherein the payment transactions supported by the payments platform module comprise one or more of: an authorization transaction that includes an authorization request and an authorization response, an authorization reversal transaction that includes an authorization reversal request and an authorization reversal response, a capture transaction that includes a capture request and a capture response, a sale transaction that includes a sale reques

Assignees

• Salesforce Com Inc

Inventors

• Batra Tarundeep
• Tripathy Manasa Ranjan
• Shankar Ravi
• Kapoor Himanshu
• Akella Ravindra
• Banks John

Classifications

• G06Q20/202

  Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR · CPC title

• G06Q20/027 Primary

  involving a payment switch or gateway · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/0855

  involving a third party · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title