Cardinalcommerce Corporation

Metavante Corporation

Paul Turgeon

Michael A Keresman, Iii

David Grace

A system and method processes a transaction between a merchant and a consumer. Data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant is received. A determination as to whether the digital processing device is secure is made using the received data. In response to determining the digital processing device is insecure, the transaction is aborted. In response to determining the digital processing device is in secure, the transaction is processed by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using a payment processing supply chain.

Authentication platform for pin debit issuers

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

Method and system for processing PIN debit transactions

Methods and systems are provided for generating a party static token to be used in combination with a party dynamic token for identifying a party to a host system. Identification information that identifies the party to the host system is received. Such identification information includes a host dynamic token and a host static token. A false host dynamic token that differs from the host dynamic token is generated. The host dynamic token and the false host dynamic token are encrypted. In addition, information that uniquely identifies the party dynamic token is encrypted. The party static token is produced from a combination of the encrypted host dynamic token, the encrypted false host dynamic token, and the encrypted information that uniquely identifies the party dynamic token.

Methods and systems for secure transmission of identification information over public networks

A system and method provides secure access over public communication lines using encrypted information on a removable, portable storage medium. Information relating to a customer's financial account is encrypted and stored to a disk. When a customer desires to purchase goods and/or services on-line or access his financial account, he inserts the CD into a disk drive of a personal computer. The encrypted information is retrieved from the disk and transmitted, via public communications lines, to a computer maintaining a Web site for providing the requested goods and/or services. The computer then forwards the encrypted information to a secure network. A processor on the secure network processes the customer's request, and denies or approves the transaction based on the received information. The results of such processing are returned to the computer maintaining the Web site for completing or aborting the transaction.

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Fort Collins, CO, United States of America

Paul Turgeon