Abstract: A method is disclosed. The method includes receiving by a tokenization server, a request to process an interaction from a user device, where the request includes a user identifier associated with a user. The tokenization server generates a first token using a first one-way cryptographic hash function based on the user identifier, and a second token using a second one-way cryptographic hash function based on the first token. The tokenization server retrieves first information stored in a first data storage associated with the tokenization server based on the second token, and transmits the first token and the first information to a processing computer. The processing computer is programmed to retrieve, from a second data storage associated with the processing computer, second information based on the first token, and execute the interaction based on the first information and the second information.

Abstract: An apparatus for segmented processing of order management system data is described herein. The apparatus generally includes: a front end interface that is operative to receive unencrypted payment information and unencrypted personal information relating to at least one customer order and return encrypted payment information and encrypted personal information relating to the at least one customer order; a middle tier interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted personal information only; and/or a back end interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted payment information and decrypted personal information relating to the at least one customer order.

Abstract: 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).

Abstract: 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).

Abstract: 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).

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 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 service (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.

Abstract: A method and corresponding system for supporting authentication processing of commercial transactions conducted over a communications network between consumers and merchants. Payment information for a commercial transaction between a consumer and a merchant is received over the communications network. The payment information identifies a payment instrument supporting an authenticated payment program. A determination is made as to whether to authenticate the consumer using the authenticated payment program based on authentication criteria defined by the merchant. The consumer is authenticated over the communications network in accordance with the authenticated payment program if authentication is determined to be appropriate based on the authentication criteria defined by the merchant.

Abstract: An apparatus for segmented processing of order management system data is described herein. The apparatus generally includes: a front end interface that is operative to receive unencrypted payment information and unencrypted personal information relating to at least one customer order and return encrypted payment information and encrypted personal information relating to the at least one customer order; a middle tier interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted personal information only; and/or a back end interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted payment information and decrypted personal information relating to the at least one customer order.

Abstract: An apparatus for segmented processing of order management system data is described herein. The apparatus generally includes: a front end interface that is operative to receive unencrypted payment information and unencrypted personal information relating to at least one customer order and return encrypted payment information and encrypted personal information relating to the at least one customer order; a middle tier interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted personal information only; and/or a back end interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted payment information and decrypted personal information relating to the at least one customer order.

Abstract: 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 service (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.

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 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.

Abstract: 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.

Abstract: 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).

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: 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.