Universal merchant platform for payment authentication

US8645266B2 · kind B2 · utility

Assignee

• CardinalCommerce Corporation · US

Inventors

• Chandra S. Balasubramanian · University Heights, US
• Francis M. Sherwin · Mentor, US
• Michael A. Keresman, III · Kirtland Hills, US
• Adam Ratica · Mentor, US

Key dates

• Filing date: Dec 3, 2010
• Grant date: Feb 4, 2014
• Expiry date: Dec 5, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/405
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method of processing of a transaction between a first and second party is provided. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment options are associated with a plurality of different authentication protocols prescribed therefor. The method includes: receiving payment information over a communications network at a server operatively connected to the communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate the plurality of different authentication protocols; determining from the payment information received at the server which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting, in accordance with the determination, a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction in ac…