Abstract: According to one aspect of the disclosure, there is provided a method for conducting a transaction between a service provider and a merchant, the method comprising: issuing an account number against which a transaction with the merchant is made, wherein the account number belongs to a subscriber registered with the service provider; assigning a unique reference used to map the subscriber to the account number; and transmitting, upon receiving use of the account number for the transaction, the unique reference and details of the transaction to the service provider, wherein the unique reference is processed against a database of unique references to identify the subscriber to which the account number belongs, for the service provider to associate the transaction to the identified subscriber, based on the details of the transaction. A service provider server, a server network and a system that implements this method is also disclosed.

Abstract: A remote payments assurance system includes a Proxy Service Manager Server, an Authentication Service Manager Server computer, an Acquirer Financial Institution (FI) Server computer, a payment network, and an Issuer financial institution server computer. A storage device of the Proxy Service Manager Server computer stores instructions which causes a processor to receive a consumer authentication request from a merchant device obtained during a card not present (CNP) transaction, transmit the consumer authentication request to the Authentication Service Manager Server computer, establish a secure communications channel between the Proxy Service Manager Server computer and the Authentication Service Manager Server computer, and transmit the consumer authentication request via the secure communications channel to the Authentication Service Manager Server computer.

Abstract: Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer.

Abstract: According to one aspect of the disclosure, there is provided a method for conducting a transaction between a service provider and a merchant, the method comprising: issuing an account number against which a transaction with the merchant is made, wherein the account number belongs to a subscriber registered with the service provider; assigning a unique reference used to map the subscriber to the account number; and transmitting, upon receiving use of the account number for the transaction, the unique reference and details of the transaction to the service provider, wherein the unique reference is processed against a database of unique references to identify the subscriber to which the account number belongs, for the service provider to associate the transaction to the identified subscriber, based on the details of the transaction. A service provider server, a server network and a system that implements this method is also disclosed.

Abstract: Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer.