commercial universal authentication platform for payment

摘要

A system for treating authenticating a consumer (50) via a computer of a treatment system authentication merchant, MAPS, centralized, (200), which uses one of a plurality of different types of payment instruments conducting a commercial transaction via a communications network, with a server (100) that is operated by an online merchant, so that the payment instrument that is being used either is discharged or is not registered in an authentication program in accordance with one of a plurality of protocols prescribed authentication for the respective plurality of different types of payment instruments by payment networks (70, 72, 74, 76, 78) that support them, such that the system comprises: a server (100) including one of a plurality of available integration solutions, so that solutions integr ation available include a thin client (106), a direct connection and easy connection, so that the thin client (106) is operable to format pairs of name / value in XML, according to a message format MAPS required, and securely communicate the message to the MAPS (200) via HTTPS, so that the thin client (106) is a COM object or a Java component, so that direct connection is a connection with the the trader can use Java calls direct to interface with MAPS (200) and communicate XML messages, and so that the easy connection is a connection with which the trader can redirect the consumer (50) using poles HTTPS through finder consumer to a web server easy connection MAPS (200), and can receive answers in a URL specific response, so that the web server acts on behalf of the merchant and It communicates with MAPS (200) to provide proper treatment for an initiative of proper authentication, with the server (100) operable to obtain payment information for the consumer transaction (50) and forward payment information to MAPS (200) using the solution including the integration; and so that the MAPS (200) includes an HTTPS (212) server, a direct connector (214) and a layer (220) message distribution, configured to route XML messages to specific components insertable unit of a insertable layer (230), such that the layer of insertable unit (230) includes a plurality of components insertable unit initiative individual authentication, so that the MAPS (200) is operable to: obtain payment information to the transaction server (100), such that said payment information includes a number identifying the given payment instrument is being used; determining the type of payment instrument that is being used from the payment information, so that a specific component insertable unit (232) is activated by the layer (220) message distribution, which sends messages to the component insertable unit (232) specified based on the type of payment instrument that is being used for the transaction, so that the component format specific insertable unit (232) and routes messages according to protocols prescribed authentication for the instrument Specifically payment is being used; obtain a determination of authentication of payment networks (70, 72, 74, 76, 78) for the transaction in accordance with authentication protocols prescribed for the particular type of payment instrument is being used; and send back the determination obtained authentication server (100).