Abstract: A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.

Abstract: A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.

Abstract: A method of tracking a user and the user's activities on a telecommunications network. The method includes receiving a notification from a first web server that the user has accessed a first webpage on a first website, wherein the notification is received via a user tracking server operated by a tracking coordinator, setting a session cookie including a user tracking ID on the user's computer and/or web browser to track the user's activities on the network and storing tracking data for the user in a database associated with the user tracking server, receiving an indication from a second web server that the user has accessed a second webpage on a second website, wherein the second webpage comprises a confirmation webpage that includes transaction data for the user, retrieving the user tracking ID from the session cookie and associating the user tracking ID retrieved from the cookie with the transaction data obtained from the second webpage, and reporting the user tracking data to the first web server.

Abstract: 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.

Abstract: A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network (40) for an account holder (60) engaged in the transaction via a non-IP based telecommunications platform (30).

Abstract: 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.

Abstract: 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.

Abstract: A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network (40) for an account holder (60) engaged in the transaction via a non-IP based telecommunications platform (30).

Abstract: A method of processing commercial transactions carried out over the Internet (50) between account holders (30) and participating merchants (20) includes receiving a purchase request (352) of a buyer from a participating merchant (20) indicating that the buyer desires to carry out a transaction with the merchant (20). The transaction includes the buyer purchasing one or more selected items (340) from the merchant (20). The buyer is authenticated (310) as an account holder (30) and transaction fulfillment data (362) is established. The transaction fulfillment data (362) indicates a delivery destination for the selected items. In turn, the transaction fulfillment data (362) is communicated to the participating merchant (20), and transaction details (384) from the participating merchant (20) are received. The transaction details (384) include a cost for the selected items.

Abstract: 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.

Abstract: 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.

Abstract: A text message order processing system includes: means for receiving text messages from consumers purchasing products, 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 message to extract the identification of the product and the identification of the device; means for selecting 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 order management system of the merchant.

Abstract: 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.

Abstract: 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.

Abstract: A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate a plurality of different authentication protocols; determining which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.

Abstract: A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate a plurality of different authentication protocols; determining which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.

Abstract: A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate a plurality of different authentication protocols; determining which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.

Abstract: A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate a plurality of different authentication protocols; determining which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.

Abstract: A method of processing commercial transactions carried out over the Internet (50) between account holders (30) and participating merchants (20) includes receiving a purchase request (352) of a buyer from a participating merchant (20) indicating that the buyer desires to carry out a transaction with the merchant (20). The transaction includes the buyer purchasing one or more selected items (340) from the merchant (20). The buyer is authenticated (310) as an account holder (30) and transaction fulfillment data (362) is established. The transaction fulfillment data (362) indicates a delivery destination for the selected items. In turn, the transaction fulfillment data (362) is communicated to the participating merchant (20), and transaction details (384) from the participating merchant (20) are received. The transaction details (384) include a cost for the selected items.

Abstract: A method is provided for supporting processing of a transaction conducted between two parties.