Cardinalcommerce Corporation

Francis M Sherwin

Chandra S Balasubramanian

Michael A Keresman, Iii

Ravishankar S Bhagavatula

Jeffry J Bowman

Mark Andrew Carlson

Adam Ratica

Gary Bender

Christopher A Baird

Ed Katzin

John R Lazzaro

Erik Nils Enright

Michael A Keresman

Michael Keresman

Chandra Balsasubramanian

Edward Katzin

Christopher Baird

A system and method for completing a transaction between a first party and a second party is provided. The method includes registering, with an open commerce wallet exchange (OCWE) system, a plurality of banking applications, and/or wallet applications. The method also includes associating a master credential with the plurality of banking applications and/or wallet applications, receiving a request from the merchant system to invoke the OCWE system to receive personal data corresponding to the consumer, and in response to receiving a request to invoke the OCWE system from the merchant system, determining, by the OCWE system, at least one banking application and/or wallet application stored on the consumer system and registered with the OCWE system. The method also includes communicating, to the consumer system, a request for personal data, and receiving, from the consumer system, the master credential and a selection of a banking application or a wallet application.

Open wallet for electronic transactions

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 (CAVV) or an Accountholder Authentication Value (AAV).

Authentication to authorization bridge using enriched messages

A method for obscuring a value of a sensitive data element includes: (a) receiving the sensitive data element, the sensitive data element being received over a data communications network () at a hardware computing device () of a trusted tokenization service provider (); (b) generating a token corresponding to the received sensitive data element; (c) storing the token and sensitive data element in a memory device () such that they are correlated with one another; (d) providing the generated token to a first party () that uses the token in place of the sensitive data element in a request for authorization to complete a transaction, the request being sent from the first party (); (e) intercepting the request for authorization including the token; (f) using the token contained in the intercepted request to look-up and retrieve the correlated sensitive data element in the memory device (); (g) replacing the token contained in the request with the sensitive data element retrieved from the memory device (); and (h) forwarding the request containing the sensitive data element to a second party (and/or) which employs the sensitive data element to determine whether completion of the transaction should be authorized or declined.

System and method for tokenization

An electronic platform () for facilitating mobile commerce transactions includes: a user interface () that is provided to a user (), the user interface () being operable to retrieve from the user () a plurality of settings for different parameters that regulate a manner in which the platform () operates for a given entity that is being served by the platform (); a conversation tracking engine () that monitors messages exchanged between the platform () and mobile device users () accessing the platform (), the conversation tracking engine () being operative to recognize which ones of selected monitored messages together form a common conversation and keep track of a current state of that conversation; and, a mobile content rendering engine () that is operable to dynamically render mobile content in response to the platform () receiving a request from a mobile device () for mobile content, the mobile content being rendered in accordance with the parameter settings entered via the user interface ().

Application server and/or method for supporting mobile electronic commerce

A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network () for an account holder () engaged in the transaction via a non-IP based telecommunications platform (). The method includes: receiving a first message from the account holder () via the non-IP based telecommunications platform (), the first message triggering authentication of the account holder () and being in a first communication format; establishing account information for a payment instrument being used in the transaction based upon content in the first message; generating a second message using a second communication format different from the first format, the second message including the established account information; submitting the second message via the IP network () to a network entity () such that an authentication document is generated (), the authentication document () containing an input field (); generating a third message using the first format, the third message being submitted to the account holder () via the non-IP based telecommunications platform () such that the account holder () is prompted to enter a security code; receiving a fourth message containing the entered security code from the account holder () via the non-IP based telecommunications platform (), the fourth message being in the first format; and, accessing the authentication document () via the IP network () to fill-in the input field () of the authentication document () with the security code contained in the fourth message.

System and method for conversion between internet and non-internet based transactions

A method is provided for facilitating session-based authentication for a plurality of e-commerce transactions for an account holder. The method includes registering a plurality of account holders, receiving, from an account holder of the plurality of account holders, user input setting the account privilege information for an account corresponding to the account holder, and receiving a transaction request for an e-commerce transaction between the account holder and a merchant, the transaction request comprising transaction details including a transaction value and a transaction time, and, in response to the transaction request, performing, with at least one computer system, an authentication process. The method further includes processing the e-commerce transaction in response to completing the authentication process, receiving at least one subsequent transaction request for at least one subsequent e-commerce transaction, and determining to bypass the authentication process for the at least one subsequent transaction.

Secure and efficient payment processing system

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.

Method and/or system for extending payment system architectures and/or legacy order processing systems to mobile commerce applications via text messaging

A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.

Centralized identity authentication for electronic communication networks

A universal payments dashboard system provides eCommerce merchants with an easy to integrate web page (inline frame) that displays all alternative payment button options that consumers can use on the merchant website(s) to pay for the purchase. Such merchants can display the dashboard on their shopping cart page(s) and on their checkout page(s) at the point where users select the payment option. The dashboard communicates with a payment dashboard provider to complete the payment for the transaction, including any consumer interaction such as entering checking account information, personal details, etc. Upon completing the payment for the order, the dashboard provides the merchant with the completed order information (e.g., a prepaid order) along with all the payment information. The dashboard supports all alternative payment options, payment transaction notifications to enable single cash register functionality and work in conjunction with alternative payment initiatives.

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Cleveland Heights, OH, United States of America

Francis M Sherwin