Universal merchant platform for payment authentication
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United States of America Patent
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May 23, 2006
Grant Date -
Dec 18, 2003
app pub date -
Jun 12, 2003
filing date -
Jun 12, 2002
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A method is provided for processing authentication of a consumer using one of a plurality of different types of payment instruments to conduct a commercial transaction over a communications network with a merchant. The payment instrument being used is either enrolled in or not enrolled in an authentication program conforming to one of a plurality of authentication protocols prescribed for the respective plurality of different types of payment instruments by payment networks supporting the same. The method includes: obtaining payment information for the transaction from the merchant, the payment information including a number identifying the particular payment instrument being used; determining the type of payment instrument being used from the payment information; obtaining an authentication determination for the transaction in accordance with the authentication protocols prescribed for the determined type of payment instrument being used; and, returning the obtained authentication determination to the merchant.
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