UNIVERSAL MERCHANT PLATFORM FOR PAYMENT AUTHENTICATION

摘要

A consumer shops at an online merchant (60) using a selected payment instrument. Transaction details are sent from the merchant (60) to a transaction processing service provider, TSP (70) that formats and routes various tasks and messages in accordance with authentication protocols prescribed by the payment processing network to which the payment instrument being used for the translation belongs. Payment processing networks include for ATM card (70), first credit card (72), second credit card (74), check card (76) and private label card (78). The TPSP (70) obtains transactions from the merchant and distributes them to the proper payment processing networks. Having obtain an authentication determination, the authentication service provider (70) then returns authentication data to the merchant (60) to the established underlying payment processing infrastructure via optional payment gateway (80).