公开(公告)号：US10565586B2

公开(公告)日：2020-02-18

申请号：US13016283

申请日：2011-01-28

申请人： Michael Roche ,  Adam Ratica ,  Phillip Romano ,  Matthew Yucha ,  Scott Rauhe

发明人： Michael Roche ,  Adam Ratica ,  Phillip Romano ,  Matthew Yucha ,  Scott Rauhe

IPC分类号： G06Q20/38 ,  G06Q20/40 ,  G06Q20/04

摘要： A method and corresponding system for supporting authentication processing of commercial transactions conducted over a communications network between consumers and merchants. Payment information for a commercial transaction between a consumer and a merchant is received over the communications network. The payment information identifies a payment instrument supporting an authenticated payment program. A determination is made as to whether to authenticate the consumer using the authenticated payment program based on authentication criteria defined by the merchant. The consumer is authenticated over the communications network in accordance with the authenticated payment program if authentication is determined to be appropriate based on the authentication criteria defined by the merchant.

公开(公告)号：US10157375B2

公开(公告)日：2018-12-18

申请号：US12477483

申请日：2009-06-03

申请人： Chandra S. Balasubramanian ,  Michael A. Keresman, III ,  Eric Goodman ,  Adam Ratica ,  Scott Rauhe

发明人： Chandra S. Balasubramanian ,  Michael A. Keresman, III ,  Eric Goodman ,  Adam Ratica ,  Scott Rauhe

IPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q20/00

摘要： 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.

公开(公告)号：US20120036064A1

公开(公告)日：2012-02-09

申请号：US13082004

申请日：2011-04-07

申请人： Michael A. Keresman, III ,  Chandra Balasubramanian ,  Michael Roche ,  Scott Rauhe

发明人： Michael A. Keresman, III ,  Chandra Balasubramanian ,  Michael Roche ,  Scott Rauhe

IPC分类号： G06Q20/22

CPC分类号： G06Q20/38 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q30/04 ,  G06Q30/0601

摘要： 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.

摘要翻译： 一种处理电子商务交易的系统。 该系统包括被编程为从商家接收一个或多个替代支付品牌的选择的一个或多个处理器。 每个所述替代支付品牌包括不同的商家申请流程。 此外，处理器被编程为接收来自商家的商家信息，以应用于所选择的替代支付品牌，并且根据所选择的替代支付品牌的商家申请流程，使用商家信息应用于所选择的替代支付品牌中的每一个。

公开(公告)号：US20090313147A1

公开(公告)日：2009-12-17

申请号：US12477483

申请日：2009-06-03

申请人： Chandra S. Balasubramanian ,  Michael A. Keresman, III ,  Eric Goodman ,  Adam Ratica ,  Scott Rauhe

发明人： Chandra S. Balasubramanian ,  Michael A. Keresman, III ,  Eric Goodman ,  Adam Ratica ,  Scott Rauhe

IPC分类号： G06Q20/00 ,  G06Q40/00 ,  G06Q10/00 ,  G06F15/16 ,  G06F3/048

CPC分类号： G06Q20/12 ,  G06Q20/108 ,  G06Q20/227 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/12

摘要： 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.

摘要翻译： 提供了一种通过通信网络处理商家和买方之间的交易的方法。 使用多个替代支付选项之一来处理交易，并且每个替代支付选项由多个替代支付提供商之一提供。 每个替代支付提供商使用不同的替代支付实现。 该方法包括：从商家获取交易信息; 向商家返回重定向URL和订单标识符; 从商家获得交易消息，其中交易消息指定操作的类型; 用适当的替代支付提供者执行在交易消息中指定的操作类型; 以及从执行所述交易消息中指定的操作类型返回包含所述结果的所述商家的处理消息。

公开(公告)号：US20090265460A1

公开(公告)日：2009-10-22

申请号：US12404722

申请日：2009-03-16

申请人： Chandra Balasubramanian ,  Scott Rauhe ,  Matthew Yucha

发明人： Chandra Balasubramanian ,  Scott Rauhe ,  Matthew Yucha

IPC分类号： G06F15/16

CPC分类号： H04L12/2602 ,  G06Q10/0833 ,  H04L43/00 ,  H04L67/02 ,  H04L67/142 ,  H04L67/22

摘要： A method of tracking a user and the user's activities on a telecommunications network. The method includes receiving a notification from a first web server that the user has accessed a first webpage on a first website, wherein the notification is received via a user tracking server operated by a tracking coordinator, setting a session cookie including a user tracking ID on the user's computer and/or web browser to track the user's activities on the network and storing tracking data for the user in a database associated with the user tracking server, receiving an indication from a second web server that the user has accessed a second webpage on a second website, wherein the second webpage comprises a confirmation webpage that includes transaction data for the user, retrieving the user tracking ID from the session cookie and associating the user tracking ID retrieved from the cookie with the transaction data obtained from the second webpage, and reporting the user tracking data to the first web server.

摘要翻译： 跟踪用户和用户在电信网络上的活动的方法。 该方法包括从第一网络服务器接收用户已经访问第一网站上的第一网页的通知，其中通过由跟踪协调器操作的用户跟踪服务器接收该通知，将包括用户跟踪ID的会话cookie设置在 所述用户的计算机和/或web浏览器来跟踪用户在网络上的活动并且将用户的跟踪数据存储在与用户跟踪服务器相关联的数据库中，从第二web服务器接收用户已经访问第二网页的指示 第二网站，其中所述第二网页包括包括用户的交易数据的确认网页，从所述会话cookie检索用户跟踪ID并将从所述cookie检索的用户跟踪ID与从所述第二网页获得的交易数据相关联;以及 将用户跟踪数据报告给第一个Web服务器。

公开(公告)号：US20140324682A1

公开(公告)日：2014-10-30

申请号：US14328971

申请日：2014-07-11

申请人： Michael A. Keresman, III ,  Chandra S. Balasubramanian ,  Michael Roche ,  Scott Rauhe

发明人： Michael A. Keresman, III ,  Chandra S. Balasubramanian ,  Michael Roche ,  Scott Rauhe

IPC分类号： G06Q20/38 ,  G06Q20/12 ,  G06Q20/22

CPC分类号： G06Q20/38 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q30/04 ,  G06Q30/0601

摘要： 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.

摘要翻译： 一种处理电子商务交易的系统。 该系统包括被编程为从商家接收一个或多个替代支付品牌的选择的一个或多个处理器。 每个所述替代支付品牌包括不同的商家申请流程。 此外，处理器被编程为接收来自商家的商家信息，以应用于所选择的替代支付品牌，并且根据所选择的替代支付品牌的商家申请流程，使用商家信息应用于所选择的替代支付品牌中的每一个。

公开(公告)号：US09003012B2

公开(公告)日：2015-04-07

申请号：US12404722

申请日：2009-03-16

申请人： Chandra Balasubramanian ,  Scott Rauhe ,  Matthew Yucha

发明人： Chandra Balasubramanian ,  Scott Rauhe ,  Matthew Yucha

IPC分类号： G06F15/16 ,  G06F15/173 ,  H04L12/26 ,  H04L29/08 ,  G06Q10/08

CPC分类号： H04L12/2602 ,  G06Q10/0833 ,  H04L43/00 ,  H04L67/02 ,  H04L67/142 ,  H04L67/22

摘要： A method of tracking a user and the user's activities on a telecommunications network. The method includes receiving a notification from a first web server that the user has accessed a first webpage on a first website, wherein the notification is received via a user tracking server operated by a tracking coordinator, setting a session cookie including a user tracking ID on the user's computer and/or web browser to track the user's activities on the network and storing tracking data for the user in a database associated with the user tracking server, receiving an indication from a second web server that the user has accessed a second webpage on a second website, wherein the second webpage comprises a confirmation webpage that includes transaction data for the user, retrieving the user tracking ID from the session cookie and associating the user tracking ID retrieved from the cookie with the transaction data obtained from the second webpage, and reporting the user tracking data to the first web server.

摘要翻译： 跟踪用户和用户在电信网络上的活动的方法。 该方法包括从第一网络服务器接收用户已经访问第一网站上的第一网页的通知，其中通过由跟踪协调器操作的用户跟踪服务器接收该通知，将包括用户跟踪ID的会话cookie设置在 所述用户的计算机和/或web浏览器来跟踪用户在网络上的活动并且将用户的跟踪数据存储在与用户跟踪服务器相关联的数据库中，从第二web服务器接收用户已经访问第二网页的指示 第二网站，其中所述第二网页包括包括用户的交易数据的确认网页，从所述会话cookie检索用户跟踪ID并将从所述cookie检索的用户跟踪ID与从所述第二网页获得的交易数据相关联;以及 将用户跟踪数据报告给第一个Web服务器。

公开(公告)号：US08799152B2

公开(公告)日：2014-08-05

申请号：US13082004

申请日：2011-04-07

申请人： Michael A. Keresman, III ,  Chandra Balasubramanian ,  Michael Roche ,  Scott Rauhe

发明人： Michael A. Keresman, III ,  Chandra Balasubramanian ,  Michael Roche ,  Scott Rauhe

IPC分类号： G06Q40/00

CPC分类号： G06Q20/38 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q30/04 ,  G06Q30/0601

摘要： 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.

摘要翻译： 一种处理电子商务交易的系统。 该系统包括被编程为从商家接收一个或多个替代支付品牌的选择的一个或多个处理器。 每个所述替代支付品牌包括不同的商家申请流程。 此外，处理器被编程为接收来自商家的商家信息，以应用于所选择的替代支付品牌，并且根据所选择的替代支付品牌的商家申请流程，使用商家信息应用于所选择的替代支付品牌中的每一个。

公开(公告)号：US20110218879A1

公开(公告)日：2011-09-08

申请号：US13016283

申请日：2011-01-28

申请人： Michael Roche ,  Adam Ratica ,  Phillip Romano ,  Matthew Yucha ,  Scott Rauhe

发明人： Michael Roche ,  Adam Ratica ,  Phillip Romano ,  Matthew Yucha ,  Scott Rauhe

IPC分类号： G06Q30/00 ,  G06Q20/00

摘要： A method and corresponding system for supporting authentication processing of commercial transactions conducted over a communications network between consumers and merchants. Payment information for a commercial transaction between a consumer and a merchant is received over the communications network. The payment information identifies a payment instrument supporting an authenticated payment program. A determination is made as to whether to authenticate the consumer using the authenticated payment program based on authentication criteria defined by the merchant. The consumer is authenticated over the communications network in accordance with the authenticated payment program if authentication is determined to be appropriate based on the authentication criteria defined by the merchant.

摘要翻译： 一种用于支持通过消费者和商家之间的通信网络进行的商业交易的认证处理的方法和相应的系统。 通过通信网络接收消费者和商家之间的商业交易的付款信息。 支付信息识别支持经认证的支付程序的支付工具。 根据商家定义的认证标准确定是否使用认证支付程序对消费者进行认证。 基于由商家定义的认证标准，如果认证被确定为适当，则根据认证的支付程序，通过通信网络认证消费者。