Michael Roche

Title: Michael Roche: Innovator in Electronic Payment Solutions

Introduction

Michael Roche is a prominent inventor based in University Heights, OH (US). He has made significant contributions to the field of electronic payment processing, holding a total of three patents. His work focuses on enhancing the security and efficiency of commercial transactions conducted over communications networks.

Latest Patents

One of Michael Roche's latest patents is an "Electronic payment processing method and system with smart/authenticate fields and definitions." This invention outlines a method and system for supporting authentication processing of commercial transactions between consumers and merchants. The system receives payment information over a communications network, identifying a payment instrument that supports an authenticated payment program. It determines whether to authenticate the consumer based on criteria defined by the merchant, ensuring secure transactions.

Another notable patent is the "Universal merchant application, registration and boarding platform." This system is designed for processing e-commerce transactions. It includes processors programmed to receive selections of alternative payment brands from merchants, each with a different application process. The system efficiently applies merchant information to the selected payment brands, streamlining the transaction process.

Career Highlights

Michael Roche is currently employed at CardinalCommerce Corporation, where he continues to innovate in the electronic payment sector. His work has significantly impacted how merchants and consumers interact during transactions, enhancing security and user experience.

Collaborations

Michael collaborates with talented individuals such as Scott Rauhe and Michael A. Keresman, III. Their combined expertise contributes to the development of cutting-edge payment solutions.

Conclusion

Michael Roche is a key figure in the advancement of electronic payment technologies. His patents reflect a commitment to improving transaction security and efficiency, making a lasting impact on the industry.