ES2659723T3 - Plataforma mercantil universal para autentificación de pago - Google Patents

Plataforma mercantil universal para autentificación de pago Download PDF

Info

Publication number
ES2659723T3
ES2659723T3 ES10183825.8T ES10183825T ES2659723T3 ES 2659723 T3 ES2659723 T3 ES 2659723T3 ES 10183825 T ES10183825 T ES 10183825T ES 2659723 T3 ES2659723 T3 ES 2659723T3
Authority
ES
Spain
Prior art keywords
payment
maps
authentication
server
transaction
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.)
Expired - Lifetime
Application number
ES10183825.8T
Other languages
English (en)
Inventor
Michael A. Keresman
Francis M. Sherwin
Chandra S. Balasubramanian
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=29736417&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=ES2659723(T3) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by CardinalCommerce Corp filed Critical CardinalCommerce Corp
Application granted granted Critical
Publication of ES2659723T3 publication Critical patent/ES2659723T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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

Landscapes

  • 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 sistema para tratar la autentificación de un consumidor (50) a través de 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 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 modo que el sistema comprende: el servidor (100), que incluye una de una pluralidad de soluciones de integración disponibles, de tal modo que las soluciones de integración disponibles incluyen un cliente delgado (106), una conexión directa y una conexión fácil, de manera que el cliente delgado (106) es susceptible de hacerse funcionar para formatear pares de nombre / valor en XML, de acuerdo con un formato de mensaje de MAPS requerido, y comunicar de forma segura el mensaje al MAPS (200) mediante HTTPS, de tal modo que el cliente delgado (106) es un objeto de COM o un componente de Java, de forma que la conexión directa es una conexión con la que el comerciante puede utilizar llamadas de Java directas para actuar como interfaz con el MAPS (200) y comunicar mensajes de XML, y de tal manera que la conexión fácil es una conexión con la que el comerciante puede redirigir al consumidor (50) utilizando postes de HTTPS a través del buscador del consumidor, a un servidor web de conexión fácil del MAPS (200), y puede recibir respuestas en un URL de respuesta específico, de tal modo que el servidor web actúa en representación del comerciante y se comunica con el MAPS (200) para proporcionar un tratamiento adecuado para una iniciativa de autentificación apropiada, siendo el servidor (100) susceptible de hacerse funcionar para obtener información de pago para la transacción del consumidor (50) y remitir la información de pago al MAPS (200) utilizando la solución de integración incluida; y de forma que el MAPS (200) incluye un servidor HTTPS (212), un servidor de conectador directo (214) y una capa (220) de distribución de mensajes, configurada para encaminar mensajes de XML a componentes de unidad insertable específicos de una capa insertable (230), de tal modo que la capa de unidad insertable (230) incluye una pluralidad de componentes de unidad insertable de iniciativa de autentificación individual, de tal manera que el MAPS (200) es susceptible de hacerse funcionar para: obtener la información de pago para la transacción del servidor (100), de tal forma que dicha información de pago incluye un número que identifica el instrumento de pago concreto que se está utilizando; determinar el tipo de instrumento de pago que se está utilizando a partir de la información de pago, de forma que un componente de unidad insertable específico (232) 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, de modo que el componente de unidad insertable específico (232) formatea y encamina los mensajes de acuerdo con protocolos de autentificación prescritos para el instrumento de pago concreto que se está utilizando; obtener una determinación de autentificación de una de las redes de pago (70, 72, 74, 76, 78) para la transacción de acuerdo con los protocolos de autentificación prescritos para el tipo determinado de instrumento de pago que se está utilizando; y remitir de vuelta la determinación de autentificación obtenida al servidor (100).

Description

imagen1
imagen2
imagen3
imagen4
imagen5
imagen6
5
10
15
20
25
30
35
40
45
50
55
60
con los procedimientos de autentificación; etc. Puede accederse, similarmente, a la aplicación de autoservicio de comerciante directamente a través de APIs basados XML/HTTP, que se utilizan también, opcionalmente, para integrarse con otros sistemas.
Como otra opción, una aplicación de informe a MSP proporciona una aplicación basada en web para que los MSPs vean listados de transacciones consolidadas e individuales. Por ejemplo, pueden proporcionarse, opcionalmente, los siguientes informes como parte de la aplicación de informe a MSP: informes de volumen de cuenta / dólares de transacciones consolidadas; informes de transacciones individuales; registros de mensaje primarios; informes de registro de comerciantes y/u otros informes personalizados.
Como se apreciará por las personas con conocimientos ordinarios de la técnica, el MAPS 200 proporciona un método para autentificar a un consumidor utilizando uno de una pluralidad de tipos diferentes de instrumentos de pago (por ejemplo, tarjetas de crédito / débito), con el fin de llevar a cabo una transacción comercial a través de una red de comunicaciones con un comerciante que emplea el MAPS 200. El instrumento de pago puede bien estar dado de alta, o bien no estar 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 redes de pago que dan soporte a los mismos.
De forma adecuada, mediante la solución de cliente delgado (o, alternativamente, las soluciones de conexión directa
o de conexión fácil), el MAPS 200 obtiene del servidor 100 del comerciante información de pago para la transacción. De manera adecuada, la información del pago incluye un número que identifica el instrumento de pago concreto que se está utilizando (esto es, el número de la tarjeta de crédito), una fecha de caducidad, detalles de la transacción (es decir, la cantidad de la transacción, etc.) y otros datos pertinentes. En el caso de la solución de cliente delgado, la información del pago se obtiene del sitio o página web del comerciante a través de la capa de petición 110, en forma de pares de nombre / valor. La capa de petición 110 hace pasar la información del pago a la capa 114 de formateo de mensajes, que la traduce a un mensaje formateado en XML y hace pasar este a la capa de comunicación 116. La capa de comunicación 116 hace pasar entonces el mensaje en el formato XML al MAPS 200, a través del servidor HTTPS 212 de la capa de capacitación de conexión 210.
Al recibir la información del pago, el MAPS 200 determina el tipo de instrumento de pago que se está utilizando a partir de la información de pago. En particular, la red de tratamiento de pago a la que pertenece la tarjeta de crédito / debido puede determinarse por el número de la tarjeta, como se conoce en la técnica.
Opcionalmente, el MAPS 200 la determina a partir del estado de alta del instrumento de pago concreto que se está utilizando para la transacción. Por ejemplo, el MAPS 200 puede mantener una memoria caché local o base de datos de números de tarjeta que identifica los instrumentos de pago dados de alta para su participación en los diversos programas y/o iniciativas de autentificación. Si el instrumento de pago concreto que se está utilizando no está dado de alta en un programa de autentificación particular para el tipo determinado de instrumento de pago, entonces puede ponerse fin al tratamiento en este punto, de manera que el MAPS 200 remite un mensaje o datos de ‘no dado de alta’ de vuelta al cliente delgado 106 instalado en el servidor 100 del comerciante. De acuerdo con ello, el cliente delgado 106 hace pasar esta información a la función de tratamiento de pago 104 para ser empaquetada con los datos de transacción, a fin de facilitar la transacción, completada, a la infraestructura de tratamiento de pago subyacente establecida. Ha de apreciarse que el mensaje o datos de ‘no dado de alta’ que se remite de vuelta, al igual que toda la información remitida de vuelta al comerciante, son proporcionados por el MAPS 200 a través del cliente delgado 106 (esto es, a través de la capa de comunicación 116, de la capa 114 de formateo de mensajes y de la capa de respuesta 112), de tal manera que emergen ya formateados y/o de otro modo de conformidad con los protocolos de autentificación apropiados prescritos, de modo que el comerciante no tiene que manipular los datos adicionalmente, antes de facilitarlos a la infraestructura de tratamiento de pago subyacente establecida.
Alternativamente, si el instrumento de pago concreto que se está utilizando está dado de alta en un programa de autentificación para el tipo determinado de instrumento de pago, entonces la información del pago se hace pasar a la capa 220 de distribución de mensajes, la cual la encamina al componente de unidad insertable 232 de la capa 230 de unidad insertable. El componente de unidad insertable 232 maneja entonces, administra y/o de otro modo ejecuta los procedimientos establecidos prescritos para el programa de autentificación respectivo, que emplean los protocolos y/o lógica apropiados para obtener una determinación de autentificación para la transacción. Por ejemplo, el componente de unidad insertable 232 formatea y encamina mensajes de conformidad con los protocolos de autentificación prescritos para el tipo determinado de instrumento de pago que se está utilizando. Una vez obtenida la determinación de autentificación, el MAPS 200 remite de vuelta la misma al servidor 100 del comerciante.
De manera adecuada, los componentes de unidad insertable 232 son programados para administrar cualquiera de una variedad de protocolos de autentificación, tal como pueden haberse prescrito para diferentes tipos de instrumentos de pago a los que se da soporte por parte de las diversas redes de tratamiento de pago. Por ejemplo, para dar acomodo a una iniciativa de autentificación concreta, un componente de unidad insertable 232 particular formatea y encamina, opcionalmente, un mensaje a una entidad emisora, por ejemplo, un banco emisor que ha emitido el instrumento de pago concreto que se está utilizando para la transacción, solicitando a la entidad emisora que confirme el estado de alta del instrumento de pago concreto que se está utilizando para la transacción. Al obtener una respuesta al mensaje de petición de alta desde la entidad emisora, la información puede ser remitida de
8
imagen7

Claims (1)

  1. imagen1
ES10183825.8T 2002-06-12 2003-06-12 Plataforma mercantil universal para autentificación de pago Expired - Lifetime ES2659723T3 (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US38809402P 2002-06-12 2002-06-12
US388094P 2002-06-12

Publications (1)

Publication Number Publication Date
ES2659723T3 true ES2659723T3 (es) 2018-03-19

Family

ID=29736417

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 Before (1)

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

Country Status (7)

Country Link
US (1) US7051002B2 (es)
EP (3) EP2284784B1 (es)
AU (1) AU2003243523B2 (es)
CA (2) CA2492715C (es)
ES (2) ES2651844T3 (es)
WO (1) WO2003107242A1 (es)
ZA (1) ZA200500269B (es)

Families Citing this family (126)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101015341B1 (ko) 2000-04-24 2011-02-16 비자 인터내셔날 써비스 어쏘시에이션 온라인 지불인 인증 서비스
US8260723B2 (en) 2000-12-01 2012-09-04 Carrott Richard F Transactional security over a network
US20070288394A1 (en) * 2000-12-01 2007-12-13 Carrott Richard F Transactional security over a network
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US7707120B2 (en) 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
US8645266B2 (en) 2002-06-12 2014-02-04 Cardinalcommerce Corporation Universal merchant platform for payment authentication
CA2492715C (en) 2002-06-12 2016-12-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
US7693783B2 (en) 2002-06-12 2010-04-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
SG152061A1 (en) 2002-09-10 2009-05-29 Visa Int Service Ass Data authentication and provisioning method and system
US20040139016A1 (en) * 2002-11-01 2004-07-15 Modasolutions Corporation Internet payment systerm and method
US7895119B2 (en) * 2003-05-13 2011-02-22 Bank Of America Corporation Method and system for pushing credit payments as buyer initiated transactions
US7853525B2 (en) * 2003-07-15 2010-12-14 Microsoft Corporation Electronic draft capture
US7761374B2 (en) * 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
US7740168B2 (en) * 2003-08-18 2010-06-22 Visa U.S.A. Inc. Method and system for generating a dynamic verification value
US8386376B2 (en) * 2004-02-09 2013-02-26 American Express Travel Related Services Company, Inc. System and method using enhanced authorization data to reduce travel-related transaction fraud
US20050192895A1 (en) 2004-02-10 2005-09-01 First Data Corporation Methods and systems for processing transactions
US7577599B2 (en) * 2004-03-12 2009-08-18 First Data Corporation Method and system for processing electronic payment transactions
US8762283B2 (en) 2004-05-03 2014-06-24 Visa International Service Association Multiple party benefit from an online authentication service
US8346910B2 (en) 2004-11-30 2013-01-01 American Express Travel Related Services Company, Inc. Method and apparatus for managing an interactive network session
US7721969B2 (en) * 2005-04-21 2010-05-25 Securedpay Solutions, Inc. Portable handheld device for wireless order entry and real time payment authorization and related methods
WO2007053223A2 (en) * 2005-08-09 2007-05-10 Cardinalcommerce Corporation Web terminal and bridge that support passing of authentication data to acquirer for payment processing
CA2635559A1 (en) * 2005-12-27 2007-07-05 Visa U.S.A. Inc. Method and system for conducting transactions with oligopolistic entities
SE531309C2 (sv) 2006-01-16 2009-02-17 Volvo Constr Equip Ab Styrsystem för en arbetsmaskin och förfarande för styrning av en hydraulcylinder hos en arbetsmaskin
EP1999715A4 (en) 2006-03-02 2014-07-09 Visa Int Service Ass METHOD AND SYSTEM FOR REALIZING TWO-FACTOR AUTHENTICATION IN CORRESPONDENCE OR TELEPHONE SALE TRANSACTIONS
AU2006342506A1 (en) * 2006-03-24 2007-11-01 Metabank Information management system and method
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US9065643B2 (en) 2006-04-05 2015-06-23 Visa U.S.A. Inc. System and method for account identifier obfuscation
US8732044B2 (en) 2006-05-23 2014-05-20 Mastercard International Incorporated Electronic transaction apparatus and method
US20080314977A1 (en) * 2006-06-08 2008-12-25 American Express Travel Related Services Company, Inc. Method, System, and Computer Program Product for Customer-Level Data Verification
US9195985B2 (en) 2006-06-08 2015-11-24 Iii Holdings 1, Llc Method, system, and computer program product for customer-level data verification
US20080086417A1 (en) * 2006-10-10 2008-04-10 Microsoft Corporation Payment abstraction layer
WO2008063877A2 (en) * 2006-11-06 2008-05-29 Magtek, Inc. Card authentication system
US20080126258A1 (en) * 2006-11-27 2008-05-29 Qualcomm Incorporated Authentication of e-commerce transactions using a wireless telecommunications device
US20080162362A1 (en) * 2006-12-28 2008-07-03 Microsoft Corporation Increasing transaction authenticity with product license keys
US8036967B2 (en) * 2007-01-12 2011-10-11 Allegacy Federal Credit Union Bank card fraud detection and/or prevention methods
CN101232631B (zh) * 2007-01-23 2011-08-31 阿里巴巴集团控股有限公司 通信终端通过短信息进行安全认证的方法及系统
WO2008094470A1 (en) * 2007-01-26 2008-08-07 Magtek, Inc. Card reader for use with web based transactions
US20090055266A1 (en) * 2007-05-24 2009-02-26 Brody Edward Subscription promotion and management system and method
US8121956B2 (en) 2007-06-25 2012-02-21 Visa U.S.A. Inc. Cardless challenge systems and methods
US9747598B2 (en) 2007-10-02 2017-08-29 Iii Holdings 1, Llc Dynamic security code push
US9799028B2 (en) * 2007-11-30 2017-10-24 U.S. Bank National Association Seller routing arrangements and methods for disparate network systems
US8145569B2 (en) * 2007-12-13 2012-03-27 Google Inc. Multiple party on-line transactions
US20090164372A1 (en) * 2007-12-20 2009-06-25 Ncr Corporation Methods of processing data captured during a deposit transaction conducted at an image-based self-service check depositing terminal
US20090182675A1 (en) * 2008-01-04 2009-07-16 Brody Edward Method and system for conducting electronic commerce over a network using a shadow credit card number
CA2659530A1 (en) * 2008-03-20 2009-09-20 Modasolutions Corporation Risk detection and assessment of cash payment for electronic purchase transactions
US9646437B2 (en) * 2008-04-08 2017-05-09 Agnitio, Sl Method of generating a temporarily limited and/or usage limited means and/or status, method of obtaining a temporarily limited and/or usage limited means and/or status, corresponding system and computer readable medium
US10157375B2 (en) * 2008-06-03 2018-12-18 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
US8762210B2 (en) 2008-06-03 2014-06-24 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
US8057679B2 (en) 2008-07-09 2011-11-15 Baxter International Inc. Dialysis system having trending and alert generation
US10089443B2 (en) 2012-05-15 2018-10-02 Baxter International Inc. Home medical device systems and methods for therapy prescription and tracking, servicing and inventory
US20100029306A1 (en) * 2008-07-31 2010-02-04 Sybase, Inc. Mobile Banking with Short Message Service
US8447669B2 (en) 2008-08-26 2013-05-21 Visa U.S.A. Inc. System and method for implementing financial assistance programs
AU2009285780B2 (en) * 2008-08-27 2015-07-02 Cardinalcommerce Corporation Intelligent server routing
US8752042B2 (en) 2008-08-27 2014-06-10 Cardinalcommerce Corporation Intelligent server routing
US10970777B2 (en) 2008-09-15 2021-04-06 Mastercard International Incorporated Apparatus and method for bill payment card enrollment
US8612305B2 (en) 2008-10-31 2013-12-17 Visa International Service Association User enhanced authentication system for online purchases
CA2742963A1 (en) 2008-11-06 2010-05-14 Visa International Service Association Online challenge-response
US10943030B2 (en) 2008-12-15 2021-03-09 Ibailbonding.Com Securable independent electronic document
US8261977B2 (en) * 2009-03-27 2012-09-11 Mastercard International Incorporated Methods and systems for using an interface and protocol extensions to perform a financial transaction
US20100249994A1 (en) * 2009-03-30 2010-09-30 Craig Sinclair Express checkout method and apparatus
US8214292B2 (en) * 2009-04-01 2012-07-03 American Express Travel Related Services Company, Inc. Post-authorization message for a financial transaction
US20100280909A1 (en) * 2009-04-29 2010-11-04 Microsoft Corporation Provider-driven payment adapter plug-in to payment gateway
US8825548B2 (en) * 2009-06-30 2014-09-02 Ebay Inc. Secure authentication between multiple parties
US20110029432A1 (en) * 2009-07-30 2011-02-03 Hildred Richard N Computer-implemented methods of processing payments for a merchant selling goods or services to a consumer
EP3410372A1 (en) * 2010-01-29 2018-12-05 Cardinal Commerce Corporation Electronic payment processing method and system with smart/authenticate fields and definitions
CA2795167C (en) 2010-04-05 2018-09-04 Cardinal Commerce Corporation Method and system for processing pin debit transactions
US8799152B2 (en) 2010-04-07 2014-08-05 Cardinalcommerce Corporation Universal merchant application, registration and boarding platform
US9990673B2 (en) * 2010-05-03 2018-06-05 Symbol Technologies, Llc Universal payment module systems and methods for mobile computing devices
CA3012004C (en) 2010-06-11 2020-09-15 Cardinalcommerce Corporation Method and system for secure order management system data encryption,decyption, and segmentation
US20110320345A1 (en) 2010-06-29 2011-12-29 Ebay, Inc. Smart wallet
SG10201506319WA (en) 2010-08-12 2015-09-29 Mastercard International Inc Multi-commerce channel wallet for authenticated transactions
AU2011316955B2 (en) 2010-10-20 2016-12-01 Playspan Inc. Flexible monetization service apparatuses, methods and systems
EP2455903A1 (en) * 2010-11-05 2012-05-23 Deutsche Telekom AG Method and payment service center
US10116617B2 (en) 2010-11-17 2018-10-30 Cardinalcommerce Corporation System architecture for DMZ external IP addresses
EP2649540A1 (en) * 2010-12-08 2013-10-16 N&N Chopra Consultants Pvt. Ltd. System and method for integrating software functionalities on n-layer architecture platform
WO2012106655A2 (en) 2011-02-05 2012-08-09 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
WO2012109628A2 (en) 2011-02-10 2012-08-16 Visa International Service Assocation Electronic coupon issuance and redemption apparatuses, methods and systems
CN109118199A (zh) 2011-02-16 2019-01-01 维萨国际服务协会 快拍移动支付装置，方法和系统
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
AU2012220669A1 (en) 2011-02-22 2013-05-02 Visa International Service Association Universal electronic payment apparatuses, methods and systems
US9773212B2 (en) 2011-02-28 2017-09-26 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
WO2012122060A1 (en) 2011-03-04 2012-09-13 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
US20140068722A1 (en) * 2011-03-11 2014-03-06 CallSign, Inc. Personal identity control
US9646291B2 (en) 2011-05-11 2017-05-09 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
BR112013031147A2 (pt) 2011-06-03 2017-02-07 Visa Int Service Ass aparelhos, métodos e sistema de seleção de cartão de carteira virtual
US8645272B2 (en) 2011-06-24 2014-02-04 Western Union Financial Services, Inc. System and method for loading stored value accounts
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
WO2013006725A2 (en) 2011-07-05 2013-01-10 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
US20130073458A1 (en) 2011-09-19 2013-03-21 Cardinalcommerce Corporation Open wallet for electronic transactions
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US20130104197A1 (en) 2011-10-23 2013-04-25 Gopal Nandakumar Authentication system
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
WO2013090611A2 (en) 2011-12-13 2013-06-20 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
US9978064B2 (en) * 2011-12-30 2018-05-22 Visa International Service Association Hosted thin-client interface in a payment authorization system
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US11308227B2 (en) 2012-01-09 2022-04-19 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US10956899B2 (en) * 2012-02-14 2021-03-23 Mastercard International Incorporated Mechanism to allow the use of disposable cards on a system designed to accept cards conforming to the standards of the global payments industry
CA2864171C (en) 2012-02-15 2020-06-23 Cardinalcommerce Corporation Authentication platform for pin debit issuers
US8719167B2 (en) 2012-03-02 2014-05-06 American Express Travel Related Services Company, Inc. Systems and methods for enhanced authorization fraud mitigation
US10026119B2 (en) 2012-09-10 2018-07-17 Google Llc Efficient transfer of funds between accounts
WO2014116818A1 (en) 2013-01-23 2014-07-31 Cardinalcommerce Corporation Framed implementation for payment widgets
US20140214669A1 (en) * 2013-01-29 2014-07-31 Gravic, Inc. Methods for Reducing the Merchant Chargeback Notification Time
FR3001822A1 (fr) * 2013-02-01 2014-08-08 Galeries Lafayette Sa Des Procedure et dispositif de paiement electronique
FR3010215B1 (fr) * 2013-08-29 2016-12-30 Compagnie Ind Et Financiere Dingenierie Ingenico Procede de traitement de donnees transactionnelles, dispositifs et programmes d'ordinateur correspondants.
US9424410B2 (en) * 2013-12-09 2016-08-23 Mastercard International Incorporated Methods and systems for leveraging transaction data to dynamically authenticate a user
GB2530472A (en) * 2014-05-21 2016-03-30 Euronet Usa Llc Financial switching engine
US9569776B2 (en) 2014-11-12 2017-02-14 BenedorTSE LLC Secure authorizations using independent communications and different one-time-use encryption keys for each party to a transaction
US9558492B2 (en) 2014-11-12 2017-01-31 Benedoretse Llc Secure authorizations using independent communications and different one-time-use encryption keys for each party to a transaction
US10614457B2 (en) 2014-11-12 2020-04-07 BenedorTSE LLC Secure authorizations using independent communications and different one-time-use encryption keys for each party to a transaction
US9558493B2 (en) 2014-11-12 2017-01-31 BenedorTSE LLC Secure authorizations using independent communications and different one-time-use encryption keys for each party to a transaction
US11216468B2 (en) 2015-02-08 2022-01-04 Visa International Service Association Converged merchant processing apparatuses, methods and systems
CN107810536B (zh) 2015-06-25 2023-01-24 甘布罗伦迪亚股份公司 具有分布式数据库的医疗装置系统和方法
WO2018013961A1 (en) 2016-07-15 2018-01-18 Cardinalcommerce Corporation Authentication to authorization bridge using enriched messages
EP3559951B1 (en) 2016-12-21 2022-01-12 Gambro Lundia AB Medical device system including information technology infrastructure having secure cluster domain supporting external domain
CN111724150B (zh) 2017-03-28 2023-11-24 创新先进技术有限公司 一种业务请求的处理方法及装置
US11176274B2 (en) 2019-05-28 2021-11-16 International Business Machines Corporation Protecting user data
US11902266B1 (en) * 2020-07-30 2024-02-13 Stripe, Inc. Systems and methods for generating and using secure sharded onboarding user interfaces

Family Cites Families (68)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA1004362A (en) 1972-04-11 1977-01-25 Gretag Aktiengesellschaft System for the individual identification of a plurality of individuals
GB2146815A (en) 1983-09-17 1985-04-24 Ibm Electronic fund transfer systems
JPS6079466A (ja) * 1983-10-06 1985-05-07 Toshiba Corp 振込処理方式
US5168520A (en) 1984-11-30 1992-12-01 Security Dynamics Technologies, Inc. Method and apparatus for personal identification
US4720860A (en) 1984-11-30 1988-01-19 Security Dynamics Technologies, Inc. Method and apparatus for positively identifying an individual
US4885778A (en) 1984-11-30 1989-12-05 Weiss Kenneth P Method and apparatus for synchronizing generation of separate, free running, time dependent equipment
US4800590A (en) 1985-01-14 1989-01-24 Willis E. Higgins Computer key and computer lock system
US4799156A (en) 1986-10-01 1989-01-17 Strategic Processing Corporation Interactive market management system
US5233655A (en) 1991-02-19 1993-08-03 Shapiro Sanford S Data access verification system
US5485519A (en) 1991-06-07 1996-01-16 Security Dynamics Technologies, Inc. Enhanced security for a secure token code
US5657388A (en) 1993-05-25 1997-08-12 Security Dynamics Technologies, Inc. Method and apparatus for utilizing a token for resource access
US5237614A (en) 1991-06-07 1993-08-17 Security Dynamics Technologies, Inc. Integrated network security system
US5479512A (en) 1991-06-07 1995-12-26 Security Dynamics Technologies, Inc. Method and apparatus for performing concryption
US5490251A (en) * 1991-08-09 1996-02-06 First Data Resources Inc. Method and apparatus for transmitting data over a signalling channel in a digital telecommunications network
WO1993004425A1 (en) 1991-08-13 1993-03-04 Universal Photonix, Inc. System for remotely validating the identity of indivuals and determining their locations
US5557518A (en) 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US5524072A (en) 1991-12-04 1996-06-04 Enco-Tone Ltd. Methods and apparatus for data encryption and transmission
US5251259A (en) * 1992-08-20 1993-10-05 Mosley Ernest D Personal identification system
US5361062A (en) 1992-11-25 1994-11-01 Security Dynamics Technologies, Inc. Personal security system
US5317636A (en) 1992-12-09 1994-05-31 Arris, Inc. Method and apparatus for securing credit card transactions
US5491752A (en) 1993-03-18 1996-02-13 Digital Equipment Corporation, Patent Law Group System for increasing the difficulty of password guessing attacks in a distributed authentication scheme employing authentication tokens
US5450491A (en) 1993-08-26 1995-09-12 At&T Corp. Authenticator card and system
US5544246A (en) 1993-09-17 1996-08-06 At&T Corp. Smartcard adapted for a plurality of service providers and for remote installation of same
US5461217A (en) 1994-02-08 1995-10-24 At&T Ipm Corp. Secure money transfer techniques using smart cards
US5590038A (en) 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
EP0690399A3 (en) 1994-06-30 1997-05-02 Tandem Computers Inc Remote controlled financial transaction system
US5478994A (en) 1994-07-13 1995-12-26 Rahman; Sam Secure credit card which prevents unauthorized transactions
US5627355A (en) 1994-07-13 1997-05-06 Rahman; Sam Transaction device, equipment and method for protecting account numbers and their associated personal identification numbers
US5715314A (en) 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5790667A (en) 1995-01-20 1998-08-04 Matsushita Electric Industrial Co., Ltd. Personal authentication method
US5781632A (en) 1995-02-08 1998-07-14 Odom; Gregory Glen Method and apparatus for secured transmission of confidential data over an unsecured network
US5826245A (en) 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
US5590197A (en) 1995-04-04 1996-12-31 V-One Corporation Electronic payment system and method
US5790677A (en) * 1995-06-29 1998-08-04 Microsoft Corporation System and method for secure electronic commerce transactions
JPH0950465A (ja) 1995-08-04 1997-02-18 Hitachi Ltd 電子ショッピング方法、電子ショッピングシステムおよび文書認証方法
US5809144A (en) 1995-08-24 1998-09-15 Carnegie Mellon University Method and apparatus for purchasing and delivering digital goods over a network
US5757917A (en) 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
US5761306A (en) 1996-02-22 1998-06-02 Visa International Service Association Key replacement in a public key cryptosystem
US5887065A (en) 1996-03-22 1999-03-23 Activcard System and method for user authentication having clock synchronization
US5937068A (en) 1996-03-22 1999-08-10 Activcard System and method for user authentication employing dynamic encryption variables
US5815665A (en) 1996-04-03 1998-09-29 Microsoft Corporation System and method for providing trusted brokering services over a distributed network
US5999626A (en) 1996-04-16 1999-12-07 Certicom Corp. Digital signatures on a smartcard
US5988497A (en) 1996-05-30 1999-11-23 Mci Communications Corporation Method for authenticating credit transactions to prevent fraudulent charges
FR2750274B1 (fr) 1996-06-21 1998-07-24 Arditti David Procede de prise en compte d'une demande d'utilisation d'une carte prepayee virtuelle permettant la reutilisation de son numero de serie
US5825881A (en) 1996-06-28 1998-10-20 Allsoft Distributing Inc. Public network merchandising system
US5884288A (en) 1996-07-01 1999-03-16 Sun Microsystems, Inc. Method and system for electronic bill payment
US5913203A (en) 1996-10-03 1999-06-15 Jaesent Inc. System and method for pseudo cash transactions
US6029150A (en) 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
US5991411A (en) 1996-10-08 1999-11-23 International Business Machines Corporation Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like
US6070150A (en) * 1996-10-18 2000-05-30 Microsoft Corporation Electronic bill presentment and payment system
US6005939A (en) 1996-12-06 1999-12-21 International Business Machines Corporation Method and apparatus for storing an internet user's identity and access rights to world wide web resources
US6038437A (en) 1997-02-13 2000-03-14 Gte Mobilnet Service Corp. Call-back method in response to emergency call originating from cellular radiotelephone
CN1267380A (zh) * 1997-07-29 2000-09-20 净益有限公司 执行电子商务交易的方法和系统
US6014650A (en) 1997-08-19 2000-01-11 Zampese; David Purchase management system and method
US6026166A (en) 1997-10-20 2000-02-15 Cryptoworx Corporation Digitally certifying a user identity and a computer system in combination
EP1145479A3 (en) 1998-06-30 2001-12-05 Privada, Inc. Bi-directional, anonymous electronic transactions
US6092053A (en) * 1998-10-07 2000-07-18 Cybercash, Inc. System and method for merchant invoked electronic commerce
US6675153B1 (en) * 1999-07-06 2004-01-06 Zix Corporation Transaction authorization system
US7249093B1 (en) * 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
US7742967B1 (en) 1999-10-01 2010-06-22 Cardinalcommerce Corporation Secure and efficient payment processing system
US6895391B1 (en) * 1999-11-09 2005-05-17 Arcot Systems, Inc. Method and system for secure authenticated payment on a computer network
WO2001041419A1 (en) * 1999-11-30 2001-06-07 Citibank, N.A. System and method for performing an electronic transaction using a transaction proxy with an electronic wallet
AU2001236812A1 (en) * 2000-02-09 2001-08-20 Internetcash.Com Method and system for making anonymous electronic payments on the world wide web
EP1134707A1 (en) * 2000-03-17 2001-09-19 Tradesafely.com Limited Payment authorisation method and apparatus
AUPQ696500A0 (en) * 2000-04-17 2000-05-11 Qsi Payment Technologies Pty Ltd Electronic commerce payment system
KR101015341B1 (ko) * 2000-04-24 2011-02-16 비자 인터내셔날 써비스 어쏘시에이션 온라인 지불인 인증 서비스
JP2002063520A (ja) * 2000-08-22 2002-02-28 Oki Electric Ind Co Ltd 中継サーバ，中継方法及び支払システム
CA2492715C (en) 2002-06-12 2016-12-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication

Also Published As

Publication number Publication date
AU2003243523A1 (en) 2003-12-31
US7051002B2 (en) 2006-05-23
EP1552447A4 (en) 2007-12-12
CA2950637A1 (en) 2003-12-24
EP1552447A1 (en) 2005-07-13
WO2003107242A1 (en) 2003-12-24
ES2651844T3 (es) 2018-01-30
US20030233327A1 (en) 2003-12-18
EP1552447B1 (en) 2017-10-18
CA2492715C (en) 2016-12-06
AU2003243523B2 (en) 2008-04-10
CA2492715A1 (en) 2003-12-24
EP2284784B1 (en) 2017-12-13
ZA200500269B (en) 2005-09-28
CA2950637C (en) 2019-03-19
EP2284784A1 (en) 2011-02-16
EP2998914A1 (en) 2016-03-23

Similar Documents

Publication Publication Date Title
ES2659723T3 (es) Plataforma mercantil universal para autentificación de pago
US8650118B2 (en) Universal merchant platform for payment authentication
US20170200147A1 (en) System and the computer methods of issuing, transferring and manipulating value or gift cards using blockchain technology
CA2846522C (en) System and method for selecting, distributing, redeeming, and reconciling digital offers
US20110288990A1 (en) System and method for providing instant-decision, financial network-based payment cards
JP2000509867A (ja) 利用者発生旅行者用小切手
BR0308248A (pt) Método, sistema e gerenciador de transações para conduzir uma transação financeira em uma linha direta
WO2010056951A2 (en) System and method for uniquely identifying point of sale devices in an open payment network
WO2002075478A3 (en) Method for performing secure online payment transactions
CN107103530A (zh) 一种银行个人多账户交易方法及系统
US8464940B2 (en) Consumer self-activated financial card
KR20130130018A (ko) 다수의 소매상들이 소비제한 카드 프로그램에 참여할 수 있게 하는 시스템
CN114861848A (zh) 具有访问凭证的可去除式标记元件
US20160247181A1 (en) Virtual currency issued upon donation of biomatter
US20040128239A1 (en) Method and apparatus for conducting transactions generated at point-of-sale locations
KR101025619B1 (ko) 엔지니어 관리용 아이씨 카드 및 이를 이용한 엔지니어관리 방법 및 시스템
JP2002015348A (ja) デビットカードを利用したくじの投票・当籤金振り込み方法
WO2008020257A1 (en) Method and system for fulfilling electronic financial transactions
BR102017022742A2 (pt) Método diferenciado de crédito de pontos e de troca de pontos em promoções comerciais ou programas de fidelidade por produtos ou serviços
ITRM20070129U1 (it) Sistema di pagamento attraverso l'uso del telefono
JP2005032174A (ja) 遊技用カードシステムおよび遊技用カードの決済方法
JP2002373308A (ja) 通信管理システム及び方法
DE202013102589U1 (de) Erfassungssystem für inter-föderale Multiidentifikationsplaketten
TH78482A (th) ระบบโอนแบบอิเล็กทรอนิกส์
SE525653C2 (sv) System för att utbyta tillgångar mellan användarterminaler i ett öppet elektroniskt kommunikationsnätverk och metod för att möjliggöra utbyte av tillgångar mellan användarterminaler i ett öppet elektroniskt kommunikationsnätverk