Centralized Electronic Commerce Card Transactions
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Accused Products
Abstract
A central transaction server in electronic commerce card authorization system enables the electronic commerce card association to manage and monitor the authentication system. The central transaction server acts as an intermediary for all communications between the access control server used for authentication. If any portion of the authentication system fails, the central transaction server compensates by providing appropriate responses to other portions of the system. The centralized transaction server translates all incoming traffic into a format compatible with the intended recipient, enabling portions of the system to be upgraded without breaking compatibility with the non-upgraded portions. The centralized transaction server also enables the integration of formally separate portions of the authentication system into a single unit. The directory and the authentication history servers can be integrated into the central transaction server, and the central transaction server can initiate charges to the electronic commerce card automatically, bypassing the card acquirer.
110 Citations
51 Claims
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1-31. -31. (canceled)
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32. An electronic commerce card authentication system comprising:
a central transaction server configured to; receive a verifying enrollment request from a directory server; send a verifying enrollment response to the directory server, the verifying enrollment response indicating an access control server that will process an authentication request; receive the authentication request from a cardholder system; forward the authentication request to the access control server; relay authentication information between the access control server and the cardholder system; receive an authentication response from the access control server; and forward the authentication response to the cardholder system. - View Dependent Claims (33, 34, 35, 36, 37, 38)
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39. A method of authenticating electronic commerce card information provided by a cardholder, the method comprising:
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receiving a verifying enrollment request from a directory server; sending a verifying enrollment response to the directory server, the verifying enrollment response indicating an access control server that will process an authentication request; receiving the authentication request from a cardholder system; forwarding the authentication request to the access control server; relaying authentication information between the access control server and the cardholder system; receiving an authentication response from the access control server; and forwarding the authentication response to the cardholder system. - View Dependent Claims (40, 41, 42, 43, 44)
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45. An information storage medium including a set of instruction adapted to operate an information processing device to perform a set of steps, the set of steps comprising:
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receiving a verifying enrollment request from a directory server; sending a verifying enrollment response to the directory server, the verifying enrollment response indicating an access control server that will process an authentication request; receiving the authentication request from a cardholder system; forwarding the authentication request to the access control server; relaying authentication information between the access control server and the cardholder system; receiving an authentication response from the access control server; and forwarding the authentication response to the cardholder system. - View Dependent Claims (46, 47, 48, 49, 50, 51)
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Specification