Universal merchant platform for payment authentication

Details Universal merchant platform for payment authentication Universal merchant platform for payment authentication

2006-05-23

2006-05-23

Poinvil, Frantzy (Department: 3628)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S042000

Reexamination Certificate

active

07051002

ABSTRACT:
A method is provided for processing authentication of a consumer using one of a plurality of different types of payment instruments to conduct a commercial transaction over a communications network with a merchant. The payment instrument being used is either enrolled in or not enrolled in an authentication program conforming to one of a plurality of authentication protocols prescribed for the respective plurality of different types of payment instruments by payment networks supporting the same. The method includes: obtaining payment information for the transaction from the merchant, the payment information including a number identifying the particular payment instrument being used; determining the type of payment instrument being used from the payment information; obtaining an authentication determination for the transaction in accordance with the authentication protocols prescribed for the determined type of payment instrument being used; and, returning the obtained authentication determination to the merchant.

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