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1. WO2011094556 - ELECTRONIC PAYMENT PROCESSING METHOD AND SYSTEM WITH SMART/AUTHENTICATE FIELDS AND DEFINITIONS

Publication Number WO/2011/094556
Publication Date 04.08.2011
International Application No. PCT/US2011/022945
International Filing Date 28.01.2011
IPC
G06Q 20/00 2006.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
CPC
G06Q 20/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
G06Q 20/12
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
12specially adapted for electronic shopping systems
G06Q 20/382
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
G06Q 20/4014
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
401Transaction verification
4014Identity check for transactions
G06Q 20/4016
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
401Transaction verification
4016involving fraud or risk level assessment in transaction processing
Applicants
  • CARDINALCOMMERCE CORPORATION [US]/[US] (AllExceptUS)
  • ROCHE, Michael [US]/[US] (UsOnly)
  • RATICA, Adam [US]/[US] (UsOnly)
  • ROMANO, Phillip [US]/[US] (UsOnly)
  • YUCHA, Matthew [US]/[US] (UsOnly)
  • RAUHE, Scott [US]/[US] (UsOnly)
Inventors
  • ROCHE, Michael
  • RATICA, Adam
  • ROMANO, Phillip
  • YUCHA, Matthew
  • RAUHE, Scott
Agents
  • ZANGHI, John, S.
Priority Data
61/299,39029.01.2010US
61/317,42525.03.2010US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) ELECTRONIC PAYMENT PROCESSING METHOD AND SYSTEM WITH SMART/AUTHENTICATE FIELDS AND DEFINITIONS
(FR) PROCÉDÉ ET SYSTÈME DE TRAITEMENT DE PAIEMENT ÉLECTRONIQUE AVEC DES CHAMPS ET DÉFINITIONS INTELLIGENTS/AUTHENTIQUES
Abstract
(EN) 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.
(FR) L'invention porte sur un procédé et un système correspondant d'assistance à un traitement d'authentification de transaction commerciale mené sur un réseau de communication entre client et commerçant. Des informations de paiement pour une transaction commerciale entre un client et un commerçant sont reçues sur le réseau de communication. L'information de paiement identifie un instrument de paiement assistant un programme de paiement authentifié. On procède à une détermination quant au fait de savoir s'il faut ou non authentifier le client à l'aide du programme de paiement authentifié sur la base des critères d'authentification définis par le commerçant. Le client est authentifié sur le réseau de communication conformément au programme de paiement authentifié si l'authentification est déterminée comme étant appropriée sur la base des critères d'authentification définis par le commerçant.
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