ES2651844T3 - Plataforma mercantil universal para autentificación de pago - Google Patents

Plataforma mercantil universal para autentificación de pago Download PDF

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Publication number
ES2651844T3
ES2651844T3 ES03760289.3T ES03760289T ES2651844T3 ES 2651844 T3 ES2651844 T3 ES 2651844T3 ES 03760289 T ES03760289 T ES 03760289T ES 2651844 T3 ES2651844 T3 ES 2651844T3
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ES
Spain
Prior art keywords
maps
payment
authentication
layer
message
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Expired - Lifetime
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ES03760289.3T
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Michael A. Keresman
Francis M. Sherwin
Chandra S. Balasubramanian
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CardinalCommerce Corp
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CardinalCommerce Corp
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    • 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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Un método implementado por computadora para tratar la autentificación de un consumidor (50) mediante una computadora de un sistema de tratamiento de autentificación de comerciante, MAPS, centralizado, (200), el cual utiliza uno de una pluralidad de tipos diferentes de instrumentos de pago para llevar a cabo una transacción comercial a través de una red de comunicaciones, con un servidor (100) que es hecho funcionar por un comerciante en línea, de tal manera que el servidor (100) incluye un cliente delgado (106), susceptible de hacerse funcionar para enlazar información con el MAPS (200) bajo demanda, y susceptible de hacerse funcionar para formatear pares de nombre / valor en un formato de mensaje de MAPS requerido, y para comunicar de forma segura el mensaje al MAPS (200), de tal modo que el instrumento de pago que se está utilizando bien está dado de alta, o bien no está dado de alta, en un programa de autentificación de conformidad con uno de una pluralidad de protocolos de autentificación prescritos para la pluralidad respectiva de tipos diferentes de instrumentos de pago por parte de las redes de pago (70, 72, 74, 76, 78) que dan soporte a los mismos, de tal manera que el MAPS (200) comprende una capa de capacitación de conexión (210) que se asienta encima de una capa (220) de distribución de mensajes, la cual se asienta encima de una capa (230) de unidad insertable, y una capa de conexión externa (240), de tal modo que el método comprende: (a) obtener, en el servidor (100), información de pago para la transacción del consumidor (50), y remitir la información de pago al MAPS (200) utilizando el cliente delgado (106), incluyendo dicha información de pago un número que identifica el instrumento de pago concreto que se está utilizando; (b) determinar, en el MAPS (200), el tipo de instrumento de pago que se está utilizando a partir de la información de pago, de tal modo que la capa (230) de unidad insertable del MAPS incluye una pluralidad de componentes de unidad insertable (232) de iniciativa de autentificación individual, susceptibles de hacerse funcionar para estar a la escucha de la capa (220) de distribución de mensajes, a la espera de un tipo de mensaje específico, de manera que un componente de unidad insertable (232) respectivo es activado por la capa (220) de distribución de mensajes, que envía mensajes al componente de unidad insertable (232) especificado basándose en el tipo de instrumento de pago que se está utilizando para la transacción que se está procesando; (c) obtener, en el MAPS (200), de una de las redes de pago (70, 72, 74, 76, 78), una determinación de autentificación para la transacción de acuerdo con los protocolos de autentificación prescritos para el tipo determinado de instrumento de pago que se está utilizando; y (d) remitir de vuelta, por parte del MAPS (200), la determinación de autentificación obtenida al servidor (100) que es hecho funcionar por el comerciante.

Description

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Claims (1)

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ES03760289.3T 2002-06-12 2003-06-12 Plataforma mercantil universal para autentificación de pago Expired - Lifetime ES2651844T3 (es)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US38809402P 2002-06-12 2002-06-12
US388094P 2002-06-12
PCT/US2003/018531 WO2003107242A1 (en) 2002-06-12 2003-06-12 Universal merchant platform for payment authentication

Publications (1)

Publication Number Publication Date
ES2651844T3 true ES2651844T3 (es) 2018-01-30

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Family Applications (2)

Application Number Title Priority Date Filing Date
ES03760289.3T Expired - Lifetime ES2651844T3 (es) 2002-06-12 2003-06-12 Plataforma mercantil universal para autentificación de pago
ES10183825.8T Expired - Lifetime ES2659723T3 (es) 2002-06-12 2003-06-12 Plataforma mercantil universal para autentificación de pago

Family Applications After (1)

Application Number Title Priority Date Filing Date
ES10183825.8T Expired - Lifetime ES2659723T3 (es) 2002-06-12 2003-06-12 Plataforma mercantil universal para autentificación de pago

Country Status (7)

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US (1) US7051002B2 (es)
EP (3) EP2998914A1 (es)
AU (1) AU2003243523B2 (es)
CA (2) CA2492715C (es)
ES (2) ES2651844T3 (es)
WO (1) WO2003107242A1 (es)
ZA (1) ZA200500269B (es)

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US7051002B2 (en) 2006-05-23
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