CA3030698A1 - Electronic payment processing method and system with smart/authenticate fields and definitions - Google Patents

Electronic payment processing method and system with smart/authenticate fields and definitions

Info

Publication number
CA3030698A1
CA3030698A1 CA3030698A CA3030698A CA3030698A1 CA 3030698 A1 CA3030698 A1 CA 3030698A1 CA 3030698 A CA3030698 A CA 3030698A CA 3030698 A CA3030698 A CA 3030698A CA 3030698 A1 CA3030698 A1 CA 3030698A1
Authority
CA
Canada
Prior art keywords
payment
consumer
merchant
authentication
brand
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
CA3030698A
Other languages
English (en)
French (fr)
Inventor
Michael Roche
Adam Ratica
Phillip Romano
Matthew Yucha
Scott Rauhe
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
CardinalCommerce Corp
Original Assignee
CardinalCommerce Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by CardinalCommerce Corp filed Critical CardinalCommerce Corp
Publication of CA3030698A1 publication Critical patent/CA3030698A1/en
Abandoned legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Electronic shopping [e-shopping] using intermediate agents
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CA3030698A 2010-01-29 2011-01-28 Electronic payment processing method and system with smart/authenticate fields and definitions Abandoned CA3030698A1 (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US29939010P 2010-01-29 2010-01-29
US61/299390 2010-01-29
US31742510P 2010-03-25 2010-03-25
US61/317425 2010-03-25
CA2788467A CA2788467C (en) 2010-01-29 2011-01-28 Electronic payment processing method and system with smart/authenticate fields and definitions

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
CA2788467A Division CA2788467C (en) 2010-01-29 2011-01-28 Electronic payment processing method and system with smart/authenticate fields and definitions

Publications (1)

Publication Number Publication Date
CA3030698A1 true CA3030698A1 (en) 2011-08-04

Family

ID=44319808

Family Applications (2)

Application Number Title Priority Date Filing Date
CA3030698A Abandoned CA3030698A1 (en) 2010-01-29 2011-01-28 Electronic payment processing method and system with smart/authenticate fields and definitions
CA2788467A Active CA2788467C (en) 2010-01-29 2011-01-28 Electronic payment processing method and system with smart/authenticate fields and definitions

Family Applications After (1)

Application Number Title Priority Date Filing Date
CA2788467A Active CA2788467C (en) 2010-01-29 2011-01-28 Electronic payment processing method and system with smart/authenticate fields and definitions

Country Status (6)

Country Link
US (1) US10565586B2 (enExample)
EP (3) EP4009259A1 (enExample)
JP (3) JP6009942B2 (enExample)
AU (3) AU2011210690B2 (enExample)
CA (2) CA3030698A1 (enExample)
WO (1) WO2011094556A1 (enExample)

Families Citing this family (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA3030698A1 (en) 2010-01-29 2011-08-04 Cardinalcommerce Corporation Electronic payment processing method and system with smart/authenticate fields and definitions
CN103093378B (zh) * 2011-11-07 2017-08-25 阿里巴巴集团控股有限公司 交易平台数据处理方法及系统
US20130282443A1 (en) * 2012-04-18 2013-10-24 Sahib Bal Seller url monitoring systems and methods
US20130282576A1 (en) * 2012-04-24 2013-10-24 Timothy Kinsey Banking Security Feature
KR101301895B1 (ko) * 2012-08-24 2013-08-29 주식회사 케이알파트너스 서버 및 상기 서버에서의 신용 카드 결제 방법
US11823190B2 (en) 2013-12-09 2023-11-21 Mastercard International Incorporated Systems, apparatus and methods for improved authentication
US10891622B2 (en) * 2014-11-13 2021-01-12 Mastercard International Incorporated Providing online cardholder authentication services on-behalf-of issuers
CN108352022B (zh) * 2015-08-27 2023-02-17 万事达卡国际股份有限公司 用于监视计算机认证程序的系统和方法
US20190392449A1 (en) * 2018-06-22 2019-12-26 Mastercard International Incorporated Systems and methods for authenticating online users
US12293368B2 (en) 2018-06-22 2025-05-06 Mastercard International Incorporated Systems and methods for authenticating online users and providing graphic visualizations of an authentication process
US20200167780A1 (en) * 2018-11-28 2020-05-28 Mastercard International Incorporated System and method for linking authentication and authorization processes in payment card-based financial transactions
US12423663B1 (en) * 2018-12-28 2025-09-23 Rachel Reed Payment holding and disbursement method
US20210304156A1 (en) * 2020-03-24 2021-09-30 Jpmorgan Chase Bank, N.A. Systems and methods for customer identity protection from service or product providers

Family Cites Families (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7403922B1 (en) * 1997-07-28 2008-07-22 Cybersource Corporation Method and apparatus for evaluating fraud risk in an electronic commerce transaction
US7263506B2 (en) * 2000-04-06 2007-08-28 Fair Isaac Corporation Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites
US20020111916A1 (en) * 2001-02-12 2002-08-15 Coronna Mark S. Payment management
US20020116333A1 (en) * 2001-02-20 2002-08-22 Mcdonnell Joseph A. Method of authenticating a payment account user
JP3632051B2 (ja) 2001-06-20 2005-03-23 ベリトランス株式会社 ネットワーク決済処理システム、ネットワーク決済処理装置、ネットワーク決済処理方法、および、ネットワーク決済処理プログラム
JP3925306B2 (ja) * 2001-07-30 2007-06-06 ヤマハ株式会社 ディジタルオーディオ信号再生装置
US7231657B2 (en) * 2002-02-14 2007-06-12 American Management Systems, Inc. User authentication system and methods thereof
EP2998914A1 (en) * 2002-06-12 2016-03-23 CardinalCommerce Corporation Universal merchant platform for payment authentication
US7693783B2 (en) * 2002-06-12 2010-04-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
US20040011730A1 (en) * 2002-07-18 2004-01-22 Powell James R. AVS slurry feed mechanism
DE10232731A1 (de) * 2002-07-19 2004-02-05 Aixtron Ag Be- und Entladevorrichtung für eine Beschichtungseinrichtung
US7571140B2 (en) * 2002-12-16 2009-08-04 First Data Corporation Payment management
CN101073219A (zh) * 2003-09-12 2007-11-14 Rsa安全公司 用于基于风险的验证的系统和方法
JPWO2006082913A1 (ja) 2005-02-04 2008-06-26 株式会社Ｐｓｄ ネットワーク決済カード、ネットワーク決済プログラム、認証サーバ、及びショッピングシステムと決済方法
JP2006004448A (ja) 2005-07-22 2006-01-05 Sony Corp 与信仲介システムおよび方法、並びにプログラム
US20070175992A1 (en) * 2006-01-23 2007-08-02 Brown Michael J Inventory and point of sale management system
US8239677B2 (en) * 2006-10-10 2012-08-07 Equifax Inc. Verification and authentication systems and methods
US20080162295A1 (en) * 2006-12-29 2008-07-03 Ebay Inc. Method and system for payment authentication
CA3030698A1 (en) 2010-01-29 2011-08-04 Cardinalcommerce Corporation Electronic payment processing method and system with smart/authenticate fields and definitions

Also Published As

Publication number Publication date
US10565586B2 (en) 2020-02-18
AU2016201511B2 (en) 2017-08-10
JP6276353B2 (ja) 2018-02-07
AU2011210690A1 (en) 2012-08-23
JP2017037657A (ja) 2017-02-16
EP2529345A1 (en) 2012-12-05
CA2788467C (en) 2019-09-17
AU2017258900A1 (en) 2017-11-30
AU2011210690B2 (en) 2015-12-10
JP2018101427A (ja) 2018-06-28
EP2529345A4 (en) 2016-09-21
JP6009942B2 (ja) 2016-10-19
CA2788467A1 (en) 2011-08-04
EP3410372A1 (en) 2018-12-05
WO2011094556A1 (en) 2011-08-04
AU2016201511A1 (en) 2016-03-24
JP6568674B2 (ja) 2019-08-28
US20110218879A1 (en) 2011-09-08
JP2013519136A (ja) 2013-05-23
EP4009259A1 (en) 2022-06-08

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Legal Events

Date Code Title Description
EEER Examination request

Effective date: 20190118

FZDE Discontinued

Effective date: 20211115