Universal merchant platform for payment authentication

  • US 8,140,429 B2
  • Filed: 03/10/2010
  • Issued: 03/20/2012
  • Est. Priority Date: 06/12/2002
  • Status: Active Grant
First Claim
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1. A method for conducting a transaction between a first party and a second party over a communications network, wherein the transaction is conducted according to an authentication protocol of a plurality of authentication protocols supported by a third party, said method comprising:

  • receiving payment information over the communications network from the first party at a server of the third party, wherein the payment information is associated with the authentication protocol;

    determining the authentication protocol from the received payment information;

    selecting the authentication protocol from the plurality of authentication protocols;

    obtaining an authentication determination from a fourth party in accordance with the authentication protocol.

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