Transaction system

This invention describes a system for managing online credit card transactions, specifically how a merchant's website interacts with an authentication service. After a customer starts an online purchase, the merchant's site queries whether the customer is registered with a security provider. The system then responds to the merchant, even if the customer isn't registered, and can signal if the customer fails to complete any necessary registration during the transaction.

Why it matters: Filed when online payment security was nascent, particularly 3D Secure. The claims describe a foundational logic for integrating authentication services and handling user registration dynamically during a transaction, which aligns with modern expectations for seamless and secure online payments, now widely adopted and refined.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedSoftware logic, network protocols, security integration

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