commercial universal authentication platform for payment

摘要

A method implemented by computer to treat authenticating a consumer (50) by a computer of a treatment system authentication merchant, MAPS, centralized, (200), which uses one of a plurality of different types of payment instruments to carry out a commercial transaction via a communications network with a server (100) is operated by an online merchant, so that the server (100) includes a thin client (106), capable of operable to link information to the MAPS (200) on demand, and operable to format pairs of name / value in a message format MAPS required, and securely communicate the message to the MAPS (200), so that the payment instrument being used either is discharged or is discharged in an authentication program in accordance with one of a plurality of protocols authentication prescribed for the respective plurality of different types of payment instruments by payment networks (70, 72, 74, 76, 78) that support them, such that the MAPS (200) comprises a layer training connection (210) which sits above a layer (220) message distribution, which sits above a layer (230) insertable unit, and a layer of external connection (240) such wherein the method comprises: (a) obtaining, at the server (100) payment information to the consumer transaction (50), and forward the payment information to the MAPS (200) using the thin client (106), including said payment information a number identifying the given payment instrument is being used; (B) determining, in the MAPS (200), the type of payment instrument that is being used from the payment information, such that the layer (230) insertable unit MAPS includes a plurality of components insertable unit (232) initiative individual authentication, operable to be listening layer (220) message distribution, awaiting a specific message type, so that a component insertable unit ( 232) respective 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 being processed; (C) obtaining, in the MAPS (200), a payment network (70, 72, 74, 76, 78), a determination of authentication for the transaction in accordance with the protocols prescribed authentication for the type determined payment instrument is being used; and (d) refer back, by the MAPS (200), the determination obtained authentication server (100) is operated by the trader.