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1. 发明专利

JP5377602B2 Transaction processing method, the coordinator server, and transaction method 有权
公开(公告)号：JP5377602B2
公开(公告)日：2013-12-25
申请号：JP2011192068
申请日：2011-09-02
申请人：カーディナルコマースコーポレーションCardinalcommerce Corporation
发明人：ケレスマン，マイケル，エー．，３世 , バガヴァチュラ，ラヴィシャンカール , バラスブラマニアン，チャンドラ , シャーウィン，フランシス，エム．
IPC分类号： G06Q20/40 , G06F21/20 , G06F21/34 , G06Q20/04 , G06Q20/10 , G06Q20/24 , G06Q20/26 , G06Q20/36 , G06Q20/38 , G06Q30/04 , G06Q30/06 , G06Q40/00 , H04L9/32
CPC分类号： G06Q20/3821 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/3674 , G06Q20/385 , G06Q20/40 , G06Q30/04 , G06Q30/0601 , G06Q40/00 , G06Q40/04
摘要： A method for carrying out commercial transactions includes establishing a transaction processing system on an electronic communications network, and establishing an account within the transaction processing system for a corresponding account holder. One or more descriptions of acceptable future commercial transactions related to the account are obtained from the account holder. Commercial transactions carried out via the transaction processing system are administered, and it is verified that administered commercial transactions related to the account meet one or more of the descriptions obtained.

2. 发明专利

JP2012022703A Safe and efficient payment processing system 有权
标题翻译：安全有效的付款处理系统
公开(公告)号：JP2012022703A
公开(公告)日：2012-02-02
申请号：JP2011192068
申请日：2011-09-02
申请人： Cardinalcommerce Corp , カーディナルコマースコーポレーションCardinalcommerce Corporation
发明人： KELLERSMAN MICHAEL A III , BAGAVACHULA RAVI SHANKAR , VALAS BRAHMANYAN CHANDRA , FRANCIS M SHERWIN
IPC分类号： G06F21/20 , G06Q20/04 , G06Q20/10 , G06Q20/24 , G06Q20/26 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q30/04 , G06Q30/06 , G06Q40/00 , H04L9/32
CPC分类号： G06Q20/3821 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/3674 , G06Q20/385 , G06Q20/40 , G06Q30/04 , G06Q30/0601 , G06Q40/00 , G06Q40/04
摘要： PROBLEM TO BE SOLVED: To provide a novel and improved transaction processing system on the basis of a transaction processing system and technologies for implementing a credit/debit transaction on the Internet.SOLUTION: The present invention relates to a method of processing a safe transaction between an account owner (30) and a participant merchant (20) on a low-security computer network (50), including: generating a plurality of individual codes which vary periodically and can not be predicted; and assigning a specific identifier to a plurality of account owners (30), and each of the identifiers is related to one of individual codes which vary periodically and can not be predicted, respectively. A token (230) is given to each of the account owners (30) and while synchronizing each of the tokens (230), respectively, the individual and identical code which varies periodically and can not be predicted is generated which is related to a specific identifier assigned to the account owner (30) to which the token (230) has been given.
摘要翻译：要解决的问题：提供一种基于交易处理系统和在因特网上实施信用/借记交易的技术的新颖和改进的交易处理系统。解决方案：本发明涉及一种在低安全性计算机网络（50）上处理帐户所有者（30）和参与者商户（20）之间的安全交易的方法，包括：生成多个单独代码它们周期性地变化，不能预测; 以及将特定标识符分配给多个帐户所有者（30），并且每个标识符分别与周期性变化并且不能被预测的各个代码之一相关。向每个帐户所有者（30）提供令牌（230），并且在分别同步每个令牌（230）时，生成周期性地变化且不能预测的个体和相同的代码，其与特定的标识符被分配给已经给予令牌（230）的帐户所有者（30）。版权所有（C）2012，JPO＆INPIT

4. 发明申请

WO2013122912A1 AUTHENTICATION PLATFORM FOR PIN DEBIT ISSUERS 审中-公开
标题翻译：验证码平台发行人
公开(公告)号：WO2013122912A1
公开(公告)日：2013-08-22
申请号：PCT/US2013/025699
申请日：2013-02-12
申请人： CARDINALCOMMERCE CORPORATION , TURGEON, Paul
发明人： TURGEON, Paul
IPC分类号： G06Q20/40 , G06Q20/26
CPC分类号： G06Q20/3821 , G06Q20/3223 , G06Q20/385 , G06Q20/401 , G06Q20/4016 , G06Q20/407 , G06Q20/409
摘要： A system and method processes a transaction between a merchant and a consumer. Data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant is received. A determination as to whether the digital processing device is secure is made using the received data. In response to determining the digital processing device is insecure, the transaction is aborted. In response to determining the digital processing device is in secure, the transaction is processed by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using a payment processing supply chain.
摘要翻译：系统和方法处理商家和消费者之间的交易。数据表示消费者正在使用的数字处理装置与商家进行交易的安全性。使用所接收的数据来确定数字处理装置是否安全。响应确定数字处理设备不安全，交易中止。响应于确定数字处理设备处于安全状态，通过使用支付处理供应链认证消费者，授权交易以及使用支付处理供应链为交易获取资金中的至少一个来处理交易。

5. 发明申请

WO2011094556A1 ELECTRONIC PAYMENT PROCESSING METHOD AND SYSTEM WITH SMART/AUTHENTICATE FIELDS AND DEFINITIONS 审中-公开
标题翻译：电子付款处理方法和系统与智能/认证领域和定义
公开(公告)号：WO2011094556A1
公开(公告)日：2011-08-04
申请号：PCT/US2011/022945
申请日：2011-01-28
申请人： CARDINALCOMMERCE CORPORATION , ROCHE, Michael , RATICA, Adam , ROMANO, Phillip , YUCHA, Matthew , RAUHE, Scott
发明人： ROCHE, Michael , RATICA, Adam , ROMANO, Phillip , YUCHA, Matthew , RAUHE, Scott
IPC分类号： G06Q20/00
CPC分类号： G06Q20/382 , G06Q20/02 , G06Q20/04 , G06Q20/12 , G06Q20/4014 , G06Q20/405 , G06Q20/409 , G06Q30/0613 , G07F7/08
摘要： A method and corresponding system for supporting authentication processing of commercial transactions conducted over a communications network between consumers and merchants. Payment information for a commercial transaction between a consumer and a merchant is received over the communications network. The payment information identifies a payment instrument supporting an authenticated payment program. A determination is made as to whether to authenticate the consumer using the authenticated payment program based on authentication criteria defined by the merchant. The consumer is authenticated over the communications network in accordance with the authenticated payment program if authentication is determined to be appropriate based on the authentication criteria defined by the merchant.
摘要翻译：一种用于支持通过消费者和商家之间的通信网络进行的商业交易的认证处理的方法和相应的系统。通过通信网络接收消费者和商家之间的商业交易的付款信息。支付信息识别支持经认证的支付程序的支付工具。根据商家定义的认证标准确定是否使用认证支付程序对消费者进行认证。基于由商家定义的认证标准，如果认证被确定为适当，则根据认证的支付程序，通过通信网络认证消费者。

6. 发明申请

WO2003107242A1 UNIVERSAL MERCHANT PLATFORM FOR PAYMENT AUTHENTICATION 审中-公开
标题翻译：通用代理平台用于付款认证
公开(公告)号：WO2003107242A1
公开(公告)日：2003-12-24
申请号：PCT/US2003/018531
申请日：2003-06-12
申请人： CARDINALCOMMERCE CORPORATION
发明人： KERESMAN, Michael, A. , SHERWIN, Francis, M. , BALASUBRAMANIAN, Chandra, S.
IPC分类号： G06F17/60
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/12
摘要： A consumer shops at an online merchant (60) using a selected payment instrument. Transaction details are sent from the merchant (60) to a transaction processing service provider, TSP (70) that formats and routes various tasks and messages in accordance with authentication protocols prescribed by the payment processing network to which the payment instrument being used for the translation belongs. Payment processing networks include for ATM card (70), first credit card (72), second credit card (74), check card (76) and private label credit card (78). The TPSP (70) obtains transactions from the merchant and distributes them to the proper payment processing networks. Having obtain an authentication determination, the authentication service provider (70) then returns authentication data to the merchant (60) to the established underlying payment processing infrastructure via optional payment gateway (80).
摘要翻译：使用选定的支付工具的消费者在网上商家（60）上进行商店。交易细节从商家（60）发送到交易处理服务提供商TSP（70），TSP（70）根据用于翻译的支付工具的支付处理网络规定的认证协议来格式化和路由各种任务和消息所属。支付处理网络包括ATM卡（70），第一信用卡（72），第二信用卡（74），支票卡（76）和私人标签信用卡（78）。 TPSP（70）从商家获得交易，并将其分配到正确的支付处理网络。在获得认证确定之后，认证服务提供商（70）然后通过可选的支付网关（80）将认证数据返回到商家（60）到建立的基础支付处理基础设施。

7. 发明申请

WO2009149164A2 ALTERNATIVE PAYMENT IMPLEMENTATION FOR ELECTRONIC RETAILERS 审中-公开
标题翻译：电子零售商的替代付款实施
公开(公告)号：WO2009149164A2
公开(公告)日：2009-12-10
申请号：PCT/US2009/046101
申请日：2009-06-03
申请人： CARDINALCOMMERCE CORPORATION , BALASUBRAMANIAN, Chandra, S. , KERESMAN, Michael, A. , GOODMAN, Eric , RATICA, Adam , RAUHE, Scott
发明人： BALASUBRAMANIAN, Chandra, S. , KERESMAN, Michael, A. , GOODMAN, Eric , RATICA, Adam , RAUHE, Scott
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q10/00 , G06F15/16 , G06F3/048
CPC分类号： G06Q40/02 , G06Q20/12 , G06Q20/405 , G06Q30/06
摘要： A method of processing a transaction between a merchant and a buyer over a communication network is provided. The transaction is processed using one of a plurality of alternative payment options and each of the alternative payment options are provided by one of a plurality of alternative payment providers. Each of the alternative payment providers uses a different alternative payment implementation. The method includes: obtaining transaction information from the merchant; returning a redirection URL and an order identifier to the merchant; obtaining a transaction message from the merchant, where the transaction message specifies the type of operation; performing the operation type specified in the transaction message with the appropriate alternative payment provider; and returning a processing message to the merchant containing the results from performing the operation type specified in the transaction message.
摘要翻译：提供了一种通过通信网络处理商家和买方之间的交易的方法。使用多个替代支付选项之一来处理交易，并且每个替代支付选项由多个替代支付提供商之一提供。每个替代支付提供商使用不同的替代支付实现。该方法包括：从商家获取交易信息; 向商家返回重定向URL和订单标识符; 从商家获得交易消息，其中交易消息指定操作的类型; 用适当的替代支付提供者执行在交易消息中指定的操作类型; 以及从执行所述交易消息中指定的操作类型返回包含所述结果的所述商家的处理消息。

8. 发明申请

WO2007053223A3 WEB TERMINAL AND BRIDGE THAT SUPPORT PASSING OF AUTHENTICATION DATA TO ACQUIRER FOR PAYMENT PROCESSING 审中-公开
公开(公告)号：WO2007053223A3
公开(公告)日：2007-05-10
申请号：PCT/US2006/031090
申请日：2006-08-09
申请人： CARDINALCOMMERCE CORPORATION , KERESMAN, Michael, A., III , BALASUBRAMANIAN, Chandra
发明人： KERESMAN, Michael, A., III , BALASUBRAMANIAN, Chandra
IPC分类号： G06Q99/00
摘要： A method is provided for passing authentication data to a third party that processes a transaction. More specifically, in connection with a transaction conducted between a first party and a second party, wherein a plurality of transaction details related to the transaction are generated, including a transaction ID which identifies the transaction and authentication data which reflects a result of an attempt to authenticate the first party, the method includes: providing the second party a document over a communications network, said document requesting a transaction ID; receiving the transaction ID over the communications network from the second party; collecting the transaction details corresponding to the received transaction ID; identifying the authentication data within the collected transaction details; formatting the transaction details according to a prescribed format; and, forwarding the formatted transaction details to the third party.

9. 发明申请

WO2007014187A2 METHOD AND/OR SYSTEM FOR EXTENDING PAYMENT SYSTEM ARCHITECTURES AND/OR LEGACY ORDER PROCESSING SYSTEMS TO MOBILE COMMERCE APPLICATIONS VIA TEXT MESSAGING 审中-公开
标题翻译：用于扩展付款系统架构和/或交易订单处理系统的方法和/或系统通过文本消息传递到移动商务应用程序
公开(公告)号：WO2007014187A2
公开(公告)日：2007-02-01
申请号：PCT/US2006/028766
申请日：2006-07-25
申请人： CARDINALCOMMERCE CORPORATION , SHERWIN, Francis , BALASUBRAMANIAN, Chandra
发明人： SHERWIN, Francis , BALASUBRAMANIAN, Chandra
IPC分类号： G06Q30/00
CPC分类号： G06Q20/3255 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q30/06 , G06Q30/0601 , G06Q30/0609 , G06Q30/0613 , G06Q30/0633 , H04L51/18 , H04L51/38 , H04L2463/102
摘要： A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an order management system of the merchant.
摘要翻译：文本消息订单处理系统包括：用于从消费者接收来自一个或多个商家的产品的文本消息的装置，每个文本消息被寻址到由消费者选择的地址，并且包括正在购买的商品的标识和发送短信的设备; 用于解析每个文本消息以从文本按摩中提取产品的标识和设备的识别的装置; 用于基于每个接收到的文本消息选择要用于支付购买的支付工具的装置; 用于建立与所选择的支付工具相关的支付信息的装置和指示所购买的产品将在何处被交付的交货信息; 用于为每个接收到的文本消息生成包括所建立的支付信息，交货信息和正在购买的产品的标识的订单的装置; 以及用于将生成的订单提交给商家的订单管理系统的装置。

10. 发明申请

WO2018013961A1 AUTHENTICATION TO AUTHORIZATION BRIDGE USING ENRICHED MESSAGES 审中-公开
标题翻译：使用丰富的消息对授权桥进行身份验证
公开(公告)号：WO2018013961A1
公开(公告)日：2018-01-18
申请号：PCT/US2017/042197
申请日：2017-07-14
申请人： CARDINALCOMMERCE CORPORATION
发明人： ENRIGHT, Erik, Nils , RATICA, Adam , KERESMAN, Michael, A., III , SHERWIN, Francis, M. , BALASUBRAMANIAN, Chandra, S.
IPC分类号： H04L9/32
摘要： A system of electronic communication is disclosed. The system may: create a Pre-Authentication Transaction Number (Pre-ATN) by combining a number with a Special Encode Value (SEV), wherein the SEV is a single digit integer value; encrypt the Pre-ATN using a Format Preserving Encryption (FPE) to generate an encrypted Authentication Transaction Number (ATN); and send the encrypted ATN to an access control server (ACS) to use the encrypted ATN to generate a cardholder Authentication Verification Value (CAW) or an Accountholder Authentication Value (AAV).
摘要翻译：公开了一种电子通信系统。该系统可以：通过将数字与特殊编码值（SEV）相组合来创建预验证交易号码（Pre-ATN），其中SEV是单个数字整数值; 使用格式保持加密（FPE）对Pre-ATN进行加密以生成加密的认证交易号码（ATN）; 并将加密的ATN发送到访问控制服务器（ACS）以使用加密的ATN来生成持卡人认证验证值（CAW）或账户持有人认证值（AAV）。

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