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1. 发明授权

EP2284784B1 Universal merchant platform for payment authentication 有权
标题翻译：通用商家支付认证平台
公开(公告)号：EP2284784B1
公开(公告)日：2017-12-13
申请号：EP10183825.8
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： G06Q20/02 , G06Q20/12 , G06Q20/40 , G07F7/08
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 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).

2. 发明公开

EP2284784A1 Universal merchant platform for payment authentication 有权
标题翻译： UniverseHändlerplattformfürdie Bezahlungsauthentifikation
公开(公告)号：EP2284784A1
公开(公告)日：2011-02-16
申请号：EP10183825.8
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： G06Q20/00
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 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。支付处理网络包括用于ATM卡（70），第一信用卡（72），第二信用卡（74），支票卡（76）和私人标签卡（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。

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