Michael A Keresman

US Patent:

7693783, Apr 6, 2010

Filed:

May 23, 2006

Appl. No.:

11/419829

Inventors:

Chandra S. Balasubramanian - Lakewood OH, US
Francis M. Sherwin - Cleveland Heights OH, US
Michael A. Keresman - Kirtland Hills OH, US

Assignee:

CardinalCommerce Corporation - Mentor OH

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 36 R, 705 37, 705 39, 705 40, 705 41, 705 42, 705 43, 705 44, 705 45, 379 9001, 235380, 235381, 235382, 2353825, 340 54, 340 58, 283 17, 713183

Abstract:

A method is provided for supporting processing of a transaction conducted between a first party and a second party. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment options are associated with a plurality of different authentication protocols prescribed therefor. The method includes: receiving payment information over a communications network at a server operatively connected to the 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 the plurality of different authentication protocols; determining from the payment information received at the server which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting, in accordance with the determination, a particular authentication protocol from the plurality of different authentication protocols supported by the server; and, obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.

US Patent:

8140429, Mar 20, 2012

Filed:

Mar 10, 2010

Appl. No.:

12/720857

Inventors:

Chandra S. Balasubramanian - Lakewood OH, US
Francis M. Sherwin - Cleveland Heights OH, US
Michael A. Keresman - Kirtland Hills OH, US

Assignee:

CardinalCommerce Corporation - Mentor OH

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35

Abstract:

A method is provided for supporting processing of a transaction conducted between a first party and a second party. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment options are associated with a plurality of different authentication protocols prescribed therefor. The method includes: receiving payment information over a communications network at a server operatively connected to the 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 the plurality of different authentication protocols; determining from the payment information received at the server which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting, in accordance with the determination, a particular authentication protocol from the plurality of different authentication protocols supported by the server; and, obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.

US Patent:

8650118, Feb 11, 2014

Filed:

Mar 19, 2012

Appl. No.:

13/423557

Inventors:

Chandra S. Balasubramanian - Lakewood OH, US
Francis M. Sherwin - Cleveland Heights OH, US
Michael A. Keresman - Kirtland Hills OH, US

Assignee:

CardinalCommerce Corporation - Mentor OH

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35

Abstract:

A method is provided for supporting processing of a transaction conducted between two parties. The method includes: receiving payment information over a communications network at a server operatively connected to the 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 network in different manners to accommodate the different authentication protocols; determining from the payment information received 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; and, obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the network in accordance with the mandates of the selected authentication protocol.

US Patent:

20010037451, Nov 1, 2001

Filed:

Mar 2, 2001

Appl. No.:

09/798830

Inventors:

Ravishankar Bhagavatula - Yorba Linda CA, US
Chandra Balasubramanian - Mentor-on-the-Lake OH, US
Francis Sherwin - Cleveland Heights OH, US
Michael Keresman - Kirtland Hills OH, US
Jeffry Bowman - Willoughby Hills OH, US

International Classification:

H04L009/00

US Classification:

713/155000

Abstract:

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.

US Patent:

20010047281, Nov 29, 2001

Filed:

Mar 6, 2001

Appl. No.:

09/799650

Inventors:

Michael Keresman - Kirtland Hills OH, US
Jeffry Bowman - Willoughby Hills OH, US
Francis Sherwin - Cleveland Heights OH, US
Chandra Balasubramanian - Mentor-on-the-Lake OH, US
Ravishankar Bhagavatula - Yorba Linda CA, US

International Classification:

H04L009/32

US Classification:

705/002000, 713/200000, 709/229000

Abstract:

A method of processing drug prescriptions via a communications network includes registering doctors, pharmacies and patients as participants such that each registered participant's identity is uniquely defined and determinable. Registered doctors from which prescriptions are received via the communications network have their identities authenticated. Each of the received prescriptions indicates a respective registered patient's identity for whom the prescription is intended. Registered patients from which orders are received via the communications network also have their identities authenticated. Each of the received orders indicates the prescription being ordered. The method also includes forwarding the orders to registered pharmacies via the communications network.

US Patent:

20020046169, Apr 18, 2002

Filed:

Nov 13, 2001

Appl. No.:

10/011690

Inventors:

Michael Keresman - Kirtland Hills OH, US
Ravishankar Bhagavatula - Yorba Linda CA, US
Chandra Balasubramanian - Mentor-on-the-Lake OH, US
Francis Sherwin - Cleveland Heights OH, US

Assignee:

CardinalCommerce Corporation

International Classification:

G06F017/60

US Classification:

705/041000, 705/026000

Abstract:

A method for carrying out commercial transactions includes establishing a transaction processing system on an electronic communications network, and establishing an account within the transaction processing system for a corresponding account holder. One or more descriptions of acceptable future commercial transactions related to the account are obtained from the account holder. Commercial transactions carried out via the transaction processing system are administered, and it is verified that administered commercial transactions related to the account meet one or more of the descriptions obtained.

US Patent:

20020052784, May 2, 2002

Filed:

Jul 27, 2001

Appl. No.:

09/917143

Inventors:

Francis Sherwin - Cleveland Heights OH, US
Michael Keresman - Kirtland Hills OH, US
Ravishankar Bhagavatula - Yorba Linda CA, US
Chandra Balasubramanian - Mentor-on-the-Lake OH, US

International Classification:

G06F017/60

US Classification:

705/014000, 705/026000

Abstract:

A method of administering a commercial transaction carried out over a communications network () used for shopping includes receiving a shopper () at a first web-site maintained on the communications network (). The shopper () has an affinity group () associated therewith. The method further includes forwarding the shopper () to a second web-site maintained on the communications network (), and obtaining a generated click-through fee related thereto. A portion of the obtained click-through fee is distributed to the affinity group () associated with the shopper (), and it is communicated to the shopper () how much was distributed.

US Patent:

20020120583, Aug 29, 2002

Filed:

Jan 11, 2002

Appl. No.:

10/044630

Inventors:

Michael Keresman - Kirtland Hills OH, US
Andrew Hartridge - University Heights OH, US
Chandra Balasubramanian - Mentor-on-the-Lake OH, US

International Classification:

G06F017/60

US Classification:

705/065000

Abstract:

A method and apparatus for conducting a commercial transaction over the Internet or other network connection are provided. The method includes the use of random numbers which are unique for each user session. These random numbers are pre-loaded onto a handheld, portable device, token, at the time of the device's manufacture or programming. These numbers are generated by external systems. The external systems then deliver the number sets to the token for storage in the token's internal memory and also to another random number database that is accessible by an authentication system. The random numbers are dispensed by the token to a user by pressing a button on the token or otherwise signaling the token. A simple polynomial equation may be employed in order to increase the number of codes. A dispensed number is cross referenced, by the authentication system, to the random number database that was created when the token was programmed. In this way the user or transaction can be authenticated. In its preferred configuration, it is intended that once the total number of random combinations, including the original random numbers and numbers generated by polynomial transformations, have been exhausted, the device becomes inoperable.