公开(公告)号：US11741462B2

公开(公告)日：2023-08-29

申请号：US17478158

申请日：2021-09-17

申请人： CardinalCommerce Corporation

发明人： Erik Nils Enright ,  Adam Ratica ,  Michael A. Keresman, III ,  Francis M. Sherwin ,  Chandra S. Balasubramanian

IPC分类号： G06Q20/38 ,  H04L9/32 ,  G06Q20/40

CPC分类号： G06Q20/3829 ,  G06Q20/4018 ,  H04L9/3228 ,  H04L2209/56

摘要： 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).

公开(公告)号：US20180018662A1

公开(公告)日：2018-01-18

申请号：US15650510

申请日：2017-07-14

申请人： CardinalCommerce Corporation

发明人： Erik Nils Enright ,  Adam Ratica ,  Michael A. Keresman, III ,  Francis M. Sherwin ,  Chandra S. Balasubramanian

IPC分类号： G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q20/3829 ,  G06Q20/4018 ,  H04L9/3228 ,  H04L2209/56

摘要： 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).

公开(公告)号：US11195173B2

公开(公告)日：2021-12-07

申请号：US15650510

申请日：2017-07-14

申请人： CardinalCommerce Corporation

发明人： Erik Nils Enright ,  Adam Ratica ,  Michael A. Keresman, III ,  Francis M. Sherwin ,  Chandra S. Balasubramanian

IPC分类号： G06Q20/38 ,  H04L9/32 ,  G06Q20/40

摘要： 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).

公开(公告)号：US10169748B2

公开(公告)日：2019-01-01

申请号：US14311965

申请日：2014-06-23

申请人： CARDINALCOMMERCE CORPORATION

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

IPC分类号： G06Q20/22 ,  G06Q20/20 ,  G06Q40/00 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q20/02 ,  G06Q30/04

摘要： 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.

公开(公告)号：US11748791B2

公开(公告)日：2023-09-05

申请号：US16506261

申请日：2019-07-09

申请人： CardinalCommerce Corporation

发明人： Adam Ratica

IPC分类号： G06Q30/06 ,  G06Q20/38 ,  G06F21/62 ,  H04L9/40 ,  G06Q20/02

CPC分类号： G06Q30/06 ,  G06F21/6245 ,  G06Q20/02 ,  G06Q20/382 ,  G06Q20/3829 ,  H04L63/0428 ,  H04L2463/102

摘要： An apparatus for segmented processing of order management system data is described herein. The apparatus generally includes: a front end interface that is operative to receive unencrypted payment information and unencrypted personal information relating to at least one customer order and return encrypted payment information and encrypted personal information relating to the at least one customer order; a middle tier interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted personal information only; and/or a back end interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted payment information and decrypted personal information relating to the at least one customer order.

公开(公告)号：US20190333122A1

公开(公告)日：2019-10-31

申请号：US16506261

申请日：2019-07-09

申请人： CardinalCommerce Corporation

发明人： Adam Ratica

IPC分类号： G06Q30/06 ,  G06Q20/38 ,  H04L29/06 ,  G06F21/62 ,  G06Q20/02

摘要： An apparatus for segmented processing of order management system data is described herein. The apparatus generally includes: a front end interface that is operative to receive unencrypted payment information and unencrypted personal information relating to at least one customer order and return encrypted payment information and encrypted personal information relating to the at least one customer order; a middle tier interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted personal information only; and/or a back end interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted payment information and decrypted personal information relating to the at least one customer order.

公开(公告)号：US20220005030A1

公开(公告)日：2022-01-06

申请号：US17478158

申请日：2021-09-17

申请人： CardinalCommerce Corporation

发明人： Erik Nils Enright ,  Adam Ratica ,  Michael A. Keresman, III ,  Francis M. Sherwin ,  Chandra S. Balasubramanian

IPC分类号： G06Q20/38 ,  H04L9/32 ,  G06Q20/40

摘要： 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).

公开(公告)号：US10666543B2

公开(公告)日：2020-05-26

申请号：US14286048

申请日：2014-05-23

申请人： CardinalCommerce Corporation

发明人： Adam Ratica

IPC分类号： G06F9/445 ,  H04L12/701 ,  G06F9/50

摘要： The present application relates to methods and systems for intelligently routing requests to one of a plurality of redundant servers. The methods and systems route the requests to a most highly ranked redundant server. The redundant servers are dynamically rank according to ranking information, wherein the ranking information may include server performance information, server response information, next step performance information, next step response information, historic information and other like information. Next step response information and next step performance information corresponds to information pertaining to servers the plurality of redundant servers depend upon. The methods and systems may further randomly re-rank the plurality of redundant servers. The methods and systems may further re-route unprocessed requests meeting non-performance criteria.

公开(公告)号：US10567335B2

公开(公告)日：2020-02-18

申请号：US16152510

申请日：2018-10-05

申请人： CardinalCommerce Corporation

发明人： Adam Ratica ,  Matthew Yucha ,  Marcus L. Weidner ,  Andrew T. Heiss ,  Christopher A. Baird ,  John M. Schick, IV

IPC分类号： H04L29/12

摘要： A system of a first network, which is intermediate a second network and a third network, connects a host of the second network to a host of the third network. The system includes at least one processor programmed to receive a domain name service (DNS) request for a hostname corresponding to the host of the third network from the host of the second network. An internet protocol (IP) address of the first network allocated and an IP address of the host of the third network is determined from the hostname. The allocated IP address is mapped to the determined IP address and the allocated IP address is returned to the host of the second network in response to the DNS request.