UNIVERSAL MERCHANT PLATFORM FOR PAYMENT AUTHENTICATION

Number of patents in Portfolio can not be more than 2000

United States of America Patent

APP PUB NO 20140108250A1
SERIAL NO

14026209

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a 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 a plurality of different authentication protocols; determining which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.

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Patent Owner(s)

Patent OwnerAddress
CARDINALCOMMERCE CORPORATION6119 HEISLEY ROAD MENTOR OH 44060

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Balasubramanian, Chandra Cleveland, US 32 839
Keresman,, III Michael A Kirtland Hills, US 48 633
Ratica, Adam Painesville, US 17 328
Sherwin, Francis M Shaker Heights, US 45 1384

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