# US 2014/0156532 A1 · Universal merchant platform for payment authentication

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- Number: US 2014/0156532 A1
- Document ID: US20140156532A1
- Status: Published application
- Kind: A1
- Application number: 14/176,570
- Filed: 2014-02-10
- Published: 2014-06-05
- Earliest claimed: 2002-06-12
- Assignees: CardinalCommerce Corporation
- Inventors: Chandra S. Balasubramanian; Francis M. Sherwin; Michael A. Keresman, III
- Web page: https://patentgrep.com/patent/US20140156532A1

## CPC

- 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
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/04: Payment circuits
- G06Q 20/042: {characterized in that the payment protocol involves at least one cheque}
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"}
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/403: {Solvency checks}
- G06Q 30/0613: {using intermediate agents}
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q 40/03: Credit; Loans; Processing thereof
- G06Q 40/04: Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
- G06Q 40/06: Asset management; Financial planning or analysis
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a 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 a plurality of different authentication protocols; determining which of the 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 supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.

## Claims

### Claim 1

A method that supports 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:
receiving payment information over the Internet at a server operatively connected to the Internet, wherein a particular payment option used by the second party for the transaction said is determinable from said payment information, and said server is equipped to format and route messages over the Internet 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 made, a particular authentication protocol from the plurality of different authentication protocols supported by the server; and,
obtaining an authentication determination for the transaction, said authentication determination being produced in accordance with the selected authentication protocol.