Cardinalcommerce Corporation

Michael A Keresman, Iii

Chandra S Balasubramanian

Francis M Sherwin

Ravishankar S Bhagavatula

Jeffry J Bowman

Adam Ratica

Scott Rauhe

Mark Andrew Carlson

Gary Bender

Paul Turgeon

Michael Roche

Erik Nils Enright

Ed Katzin

Andrew J Hartridge

Eric Goodman

John R Lazzaro

Edward Katzin

Chandra A Balasubramanian

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

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 system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.

Method and system for processing pin debit transactions

A method and apparatus for conducting a commercial transaction over the Internet or other network connection are provided. Random numbers, which are unique for each user session, are pre-loaded onto a handheld, portable device, or token The random numbers are generated by external systems and delivered to the token for storage an internal memory and to a database accessible by an authentication system. The random numbers are dispensed by the token to a user by pressing a button on the token or otherwise signaling the token. A dispensed number is cross referenced, by the authentication system, to the database. The dispensed number authenticates the user or transaction.

Dynamic number authentication for credit/debit cards

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 system and method process a transaction between a merchant and a consumer at a point of sale (POS). Transaction information for the transaction is received from the consumer at the POS. The transaction information identifies an alternative payment option of an alternative payment provider to use for the transaction. A universal merchant platform (UMP) is requested to approve the transaction with the alternative payment provider of the identified alternative payment option. The request includes the received transaction information and is provided to the UMP according to a unified payment implementation. In response to approval of the transaction, an order identifier is received from the UMP. The order identifier uniquely identifies the transaction. The UMP is requested to authorize and/or capture funds for the transaction using a payment implementation specific to the alternative payment provider of the identified alternative payment option.

Alternative payment implementation for electronic retailers

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.

Universal payments dashboard

A method of processing a transaction between a merchant and a buyer over a communication network is provided. The transaction is processed using one of a plurality of alternative payment options and each of the alternative payment options are provided by one of a plurality of alternative payment providers. Each of the alternative payment providers uses a different alternative payment implementation. The method includes: obtaining transaction information from the merchant; returning a redirection URL and an order identifier to the merchant; obtaining a transaction message from the merchant, where the transaction message specifies the type of operation; performing the operation type specified in the transaction message with the appropriate alternative payment provider; and returning a processing message to the merchant containing the results from performing the operation type specified in the transaction message.

A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand.

Growing community of inventors

Kirtland Hills, OH, United States of America

Michael A Keresman, Iii