Universal merchant platform for payment authentication

• US 8,645,266 B2
• Filed: 12/03/2010
• Issued: 02/04/2014
• Est. Priority Date: 06/12/2002
• Status: Active Grant

• Current Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Original Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Inventors: Balasubramanian, Chandra, Sherwin, Francis M., Keresman, Michael A. III, Ratica, Adam
• Primary Examiner(s): Apple, Kirsten
• Application Number:
  US12/959,809
• Publication Number:
  US 20110167002A1
• Time in Patent Office: 1,159 Days
• Field of Search: 705/35, 705/38
• US Class Current: 705/38
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/38 Payment protocols; Details thereof
• CPC Class Codes: G06Q 20/40 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
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules

Abstract

A method of processing of a transaction between a first and second party is provided. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment options are associated with a plurality of different authentication protocols prescribed therefor. The method includes: receiving payment information over a communications network at a server operatively connected to the communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate the plurality of different authentication protocols; determining from the payment information received at the server which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting, in accordance with the determination, a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol; and generating a one-time number to be sent back to the first party.

Claims

1. A method of supporting processing of a transaction conducted between a first party and a second party, wherein the first party accepts payment via a plurality of different payment options selectable by the second party, said plurality of different payment options being associated with a plurality of different authentication protocols prescribed therefor, said method comprising:

(a) receiving payment information over a communications network at a server operatively connected to the communications network, said payment information identifying a particular payment option used by the second party for the transaction, and said server being equipped to format and route messages over the communications network in different manners to accommodate the plurality of different authentication protocols;

(b) determining from the payment information received at the server which of the different authentication protocols is prescribed for the type of payment option identified in the payment information;

(c) selecting, in accordance with the determination of step (b), a particular authentication protocol from the plurality of different authentication protocols supported by the server;

(d) obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol; and

(e) generating a one-time card number to be sent back to the first party.

2. The method of claim 1, further comprising:

(f) returning the obtained authentication determination over the communications network to a designated entity.

3. The method of claim 2, wherein the designated entity is the first party.

4. The method of claim 2, wherein the designated entity is at least one of a payment gateway, an acquiring bank, a payment network or an issuing bank that processes the transaction.

5. The method of claim 1, wherein the transaction is conducted between the first party and the second party over the communications network, and step (a) comprises:

receiving the payment information from the first party, said first party having obtained the payment information from the second party over the communications network.

6. The method of claim 1, wherein the payment information is received by the server in one of extensible markup language (XML) format, simple object access protocol (SOAP) format, or comma separated value (CSV) format.

7. A system for supporting processing of a transaction conducted between a first party and a second party, wherein the first party accepts payment via a plurality of different payment options selectable by the second party, said plurality of different payment options being associated with a plurality of different authentication protocols prescribed therefor, said system comprising at least one server operable to:

(a) receive payment information over a communications network at a server operatively connected to the communications network, said payment information identifying a particular payment option used by the second party for the transaction, and said server being equipped to format and route messages over the communications network in different manners to accommodate the plurality of different authentication protocols;

(b) determine from the payment information received at the server which of the different authentication protocols is prescribed for the type of payment option identified in the payment information;

(c) select, in accordance with the determination of step (b), a particular authentication protocol from the plurality of different authentication protocols supported by the server;

(d) obtain an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol; and

(e) generate a one-time card number to be sent back to the first party.

8. The system of claim 7, wherein the at least one server is further operable to return the obtained authentication determination over the communications network to a designated entity.

9. The system of claim 8, wherein the designated entity is the first party.

10. The system of claim 8, wherein the designated entity is at least one of a payment gateway, an acquiring bank, a payment network or an issuing bank that processes the transaction.

11. The system of claim 7, wherein the transaction is conducted between the first party and the second party over the communications network, and the means for receiving receives the payment information from the first party, said first party having obtained the payment information from the second party over the communications network.

12. The system of claim 7, wherein the payment information is received by the server in one of extensible markup language (XML) format, simple object access protocol (SOAP) format, or comma separated value (CSV) format.

13. A method of processing a transaction conducted between a first party and a second party, said method comprising:

receiving payment information identifying a particular payment option used by the second party for the transaction;

determining from the payment information which of a plurality of different authentication protocols is prescribed for the type of payment option identified in the payment information;

selecting a particular authentication protocol from the plurality of different authentication protocols;

obtaining an authentication determination for the transaction in accordance with the selected authentication protocol; and

generating a one-time card number and sending the one-time card number back to the first party.

14. The method of claim 13, further comprising:

returning the obtained authentication determination over a communications network to a designated entity.

15. The method of claim 13, wherein the designated entity is the first party.

16. The method of claim 14, wherein the designated entity is at least one of a payment gateway, an acquiring bank, a payment network or an issuing bank that processes the transaction.

17. The method of claim 13, wherein the transaction is conducted between the first party and the second party over a communications network, and further comprising:

receiving the payment information from the first party, said first party having obtained the payment information from the second party over the communications network.

18. The method of claim 13, wherein the payment information is received in one of extensible markup language (XML) format, simple object access protocol (SOAP) format, or comma separated value (CSV) format.

19. A system for supporting processing of a transaction conducted between at least two parties, said system comprising at least one server operable to:

receive payment information over a communications network;

determine from the payment information an authentication protocol for a type of payment option identified in the payment information;

obtain an authentication determination for the transaction in accordance with the authentication protocol; and

generate a one-time card number to be sent back to at least one of the parties.

20. The system of claim 19, wherein the payment information is received by the server in one of extensible markup language (XML) format, simple object access protocol (SOAP) format, or comma separated value (CSV) format.