JP6009942B2 - スマート／認証フィールドおよび定義を用いた電子支払処理の方法およびシステム - Google Patents

スマート／認証フィールドおよび定義を用いた電子支払処理の方法およびシステム Download PDF

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JP6009942B2
JP6009942B2 JP2012551328A JP2012551328A JP6009942B2 JP 6009942 B2 JP6009942 B2 JP 6009942B2 JP 2012551328 A JP2012551328 A JP 2012551328A JP 2012551328 A JP2012551328 A JP 2012551328A JP 6009942 B2 JP6009942 B2 JP 6009942B2
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payment
merchant
authentication
consumer
information
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Japanese (ja)
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JP2013519136A (ja
JP2013519136A5 (enExample
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ロシュ、マイケル
ラティカ、アダム
ロマーノ、フィリップ
ユチャ、マシュー
ラウヘ、スコット
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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
    • G06Q20/382—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

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  • 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)
JP2012551328A 2010-01-29 2011-01-28 スマート／認証フィールドおよび定義を用いた電子支払処理の方法およびシステム Active JP6009942B2 (ja)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US29939010P 2010-01-29 2010-01-29
US61/299,390 2010-01-29
US31742510P 2010-03-25 2010-03-25
US61/317,425 2010-03-25
PCT/US2011/022945 WO2011094556A1 (en) 2010-01-29 2011-01-28 Electronic payment processing method and system with smart/authenticate fields and definitions

Related Child Applications (1)

Application Number Title Priority Date Filing Date
JP2016180042A Division JP6276353B2 (ja) 2010-01-29 2016-09-15 スマート／認証フィールドおよび定義を用いた電子支払処理の方法およびシステム

Publications (3)

Publication Number Publication Date
JP2013519136A JP2013519136A (ja) 2013-05-23
JP2013519136A5 JP2013519136A5 (enExample) 2014-03-20
JP6009942B2 true JP6009942B2 (ja) 2016-10-19

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Family Applications (3)

Application Number Title Priority Date Filing Date
JP2012551328A Active JP6009942B2 (ja) 2010-01-29 2011-01-28 スマート／認証フィールドおよび定義を用いた電子支払処理の方法およびシステム
JP2016180042A Active JP6276353B2 (ja) 2010-01-29 2016-09-15 スマート／認証フィールドおよび定義を用いた電子支払処理の方法およびシステム
JP2018002267A Active JP6568674B2 (ja) 2010-01-29 2018-01-11 スマート／認証フィールドおよび定義を用いた電子支払処理の方法およびシステム

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JP2016180042A Active JP6276353B2 (ja) 2010-01-29 2016-09-15 スマート／認証フィールドおよび定義を用いた電子支払処理の方法およびシステム
JP2018002267A Active JP6568674B2 (ja) 2010-01-29 2018-01-11 スマート／認証フィールドおよび定義を用いた電子支払処理の方法およびシステム

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

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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
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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
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
CA3030698A1 (en) 2011-08-04

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