Michael E Roche

US Patent:

20110218879, Sep 8, 2011

Filed:

Jan 28, 2011

Appl. No.:

13/016283

Inventors:

Michael Roche - University Heights OH, US
Adam Ratica - Mentor OH, US
Phillip Romano - Concord Twp. OH, US
Matthew Yucha - Mentor OH, US
Scott Rauhe - Lakewood OH, US

International Classification:

G06Q 30/00
G06Q 20/00

US Classification:

705 2641

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.

US Patent:

20120036064, Feb 9, 2012

Filed:

Apr 7, 2011

Appl. No.:

13/082004

Inventors:

Chandra Balasubramanian - Cleveland OH, US
Michael Roche - University Heights OH, US
Scott Rauhe - Lakewood OH, US

International Classification:

G06Q 20/22

US Classification:

705 39

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.

US Patent:

20140324682, Oct 30, 2014

Filed:

Jul 11, 2014

Appl. No.:

14/328971

Inventors:

Chandra S. Balasubramanian - University Heights OH, US
Michael Roche - University Heights OH, US
Scott Rauhe - Lakewood OH, US

Assignee:

CARDINALCOMMERCE CORPORATION - Mentor OH

International Classification:

G06Q 20/38
G06Q 20/12
G06Q 20/22

US Classification:

705 39

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.