Patents Assigned to CardinalCommerce Corporation
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Patent number: 10169748Abstract: 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.Type: GrantFiled: June 23, 2014Date of Patent: January 1, 2019Assignee: CardinalCommerce CorporationInventors: Chandra S. Balasubramanian, Michael A. Keresman, III, Eric Goodman, Adam Ratica, Scott Rauhe
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Patent number: 10163086Abstract: A universal payments dashboard system provides eCommerce merchants with an easy to integrate web page (inline frame) that displays all alternative payment button options that consumers can use on the merchant website(s) to pay for the purchase. Such merchants can display the dashboard on their shopping cart page(s) and on their checkout page(s) at the point where users select the payment option. The dashboard communicates with a payment dashboard provider to complete the payment for the transaction, including any consumer interaction such as entering checking account information, personal details, etc. Upon completing the payment for the order, the dashboard provides the merchant with the completed order information (e.g., a prepaid order) along with all the payment information. The dashboard supports all alternative payment options, payment transaction notifications to enable single cash register functionality and work in conjunction with alternative payment initiatives.Type: GrantFiled: April 27, 2009Date of Patent: December 25, 2018Assignee: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Francis Sherwin, Chandra Balasubramanian
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Patent number: 10157375Abstract: 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.Type: GrantFiled: June 3, 2009Date of Patent: December 18, 2018Assignee: CardinalCommerce CorporationInventors: Chandra S. Balasubramanian, Michael A. Keresman, III, Eric Goodman, Adam Ratica, Scott Rauhe
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Patent number: 10140608Abstract: A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an ordType: GrantFiled: May 4, 2017Date of Patent: November 27, 2018Assignee: CardinalCommerce CorporationInventors: Francis Sherwin, Chandra S. Balasubramanian
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Patent number: 10127549Abstract: 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.Type: GrantFiled: July 11, 2014Date of Patent: November 13, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Michael A. Keresman, III, Chandra S. Balasubramanian, Michael Roche, Scott Rauhe
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Patent number: 10116617Abstract: 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 system (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.Type: GrantFiled: November 17, 2011Date of Patent: October 30, 2018Assignee: CardinalCommerce CorporationInventors: Adam Ratica, Matthew Yucha, Marcus L. Weidner, Andrew T. Heiss, Christopher A. Baird, John M. Schick, IV
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Patent number: 10074117Abstract: An electronic platform (10) for facilitating mobile commerce transactions includes: a user interface (20) that is provided to a user (60), the user interface (20) being operable to retrieve from the user (60) a plurality of settings for different parameters that regulate a manner in which the platform (10) operates for a given entity that is being served by the platform (10); a conversation tracking engine (40) that monitors messages exchanged between the platform (10) and mobile device users (72) accessing the platform (10), the conversation tracking engine (40) being operative to recognize which ones of selected monitored messages together form a common conversation and keep track of a current state of that conversation; and, a mobile content rendering engine (30) that is operable to dynamically render mobile content in response to the platform (10) receiving a request from a mobile device (74) for mobile content, the mobile content being rendered in accordance with the parameter settings entered via the usType: GrantFiled: May 12, 2008Date of Patent: September 11, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Chandra S. Balasubramanian, Francis M. Sherwin, Christopher Baird
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Patent number: 10032165Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.Type: GrantFiled: September 13, 2013Date of Patent: July 24, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
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Patent number: 10032166Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.Type: GrantFiled: September 13, 2013Date of Patent: July 24, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
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Patent number: 10019712Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.Type: GrantFiled: November 20, 2012Date of Patent: July 10, 2018Assignee: CardinalCommerce CorporationInventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
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Patent number: 9990627Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.Type: GrantFiled: September 13, 2013Date of Patent: June 5, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
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Publication number: 20180018662Abstract: 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).Type: ApplicationFiled: July 14, 2017Publication date: January 18, 2018Applicant: CardinalCommerce CorporationInventors: Erik Nils Enright, Adam Ratica, Michael A. Keresman, III, Francis M. Sherwin, Chandra S. Balasubramanian
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Publication number: 20170287289Abstract: A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network.Type: ApplicationFiled: June 9, 2017Publication date: October 5, 2017Applicant: CardinalCommerce CorporationInventors: John R. Lazzaro, Michael A. Keresman, III, Chandra Balasubramanian, Francis M. Sherwin
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Publication number: 20170249691Abstract: A system and method process an electronic commerce transaction between a consumer and a merchant over a communications network. A checkout webpage of a virtual shopping cart of the merchant is displayed by a consumer device and an initialization routine of the checkout webpage is performed by the consumer device. The initialization routine segments the checkout webpage to display a widget webpage of a service provider within the checkout webpage. Content of the widget webpage is loaded and displayed independent of content of the checkout webpage. A bootstrap routine of the widget webpage is performed by the consumer device to add a payment widget to the widget webpage and to display the payment widget with the checkout webpage. Further, the transaction is processed by the consumer device to completion using the payment widget.Type: ApplicationFiled: May 17, 2017Publication date: August 31, 2017Applicant: CARDINALCOMMERCE CORPORATIONInventors: Chandra S. Balasubramanian, Andrew Heiss
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Publication number: 20170236115Abstract: A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an ordType: ApplicationFiled: May 4, 2017Publication date: August 17, 2017Applicant: CARDINALCOMMERCE CORPORATIONInventors: Francis Sherwin, Chandra S. Balasubramanian
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Patent number: 9704353Abstract: A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network.Type: GrantFiled: August 1, 2011Date of Patent: July 11, 2017Assignee: CardinalCommerce CorporationInventors: John R. Lazzaro, Michael A. Keresman, III, Chandra Balasubramanian, Francis M. Sherwin
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Patent number: 9679328Abstract: A system and method process an electronic commerce transaction between a consumer and a merchant over a communications network. A checkout webpage of a virtual shopping cart of the merchant is displayed by a consumer device and an initialization routine of the checkout webpage is performed by the consumer device. The initialization routine segments the checkout webpage to display a widget webpage of a service provider within the checkout webpage. Content of the widget webpage is loaded and displayed independent of content of the checkout webpage. A bootstrap routine of the widget webpage is performed by the consumer device to add a payment widget to the widget webpage and to display the payment widget with the checkout webpage. Further, the transaction is processed by the consumer device to completion using the payment widget.Type: GrantFiled: January 23, 2014Date of Patent: June 13, 2017Assignee: CardinalCommerce CorporationInventors: Chandra S. Balasubramanian, Andrew Heiss
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Patent number: 9667587Abstract: A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text message; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an ordType: GrantFiled: July 7, 2014Date of Patent: May 30, 2017Assignee: CardinalCommerce CorporationInventors: Francis Sherwin, Chandra S. Balasubramanian
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Publication number: 20170017959Abstract: A method for obscuring a value of a sensitive data element includes: (a) receiving the sensitive data element, the sensitive data element being received over a data communications network (110) at a hardware computing device (142) of a trusted tokenization service provider (140); (b) generating a token corresponding to the received sensitive data element; (c) storing the token and sensitive data element in a memory device (146) such that they are correlated with one another; (d) providing the generated token to a first party (130) that uses the token in place of the sensitive data element in a request for authorization to complete a transaction, the request being sent from the first party (130); (e) intercepting the request for authorization including the token; (f) using the token contained in the intercepted request to look-up and retrieve the correlated sensitive data element in the memory device (160); (g) replacing the token contained in the request with the sensitive data element retrieved from the memoType: ApplicationFiled: July 18, 2016Publication date: January 19, 2017Applicant: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Francis M. Sherwin, Chandra Balasubramanian, Gary Bender, Ed Katzin, Mark Carlson
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Patent number: 9430769Abstract: A method is provided for carrying out commercial transactions. The method includes the steps of: establishing a transaction processing system on an electronic communications network; establishing an account within the transaction processing system for a corresponding account holder; obtaining from the account holder a session description of acceptable future commercial transactions related to the account; administering commercial transactions carried out via the transaction processing system; and, verifying that administered commercial transactions related to the account meet one or more of the session description.Type: GrantFiled: October 15, 2008Date of Patent: August 30, 2016Assignee: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Chandra S. Balasubramanian, Francis M. Sherwin