Universal merchant platform for payment authentication
CA 2492715 C · Owner: Balasubramanian, Chandra S. · Inventors: Balasubramanian, Chandra S.; Keresman, Michael A.; Sherwin, Francis M.
Overview
Its claims, description and drawings are in the Canadian Patents Database.
Open the CIPO recordAbstract From the Canadian patent
A consumer shops at an online merchant (60) using a selected payment instrument. Transaction details are sent from the merchant (60) to a transaction processing service provider TSP (70) that formats and routes , various tasks and messages in accordance with authentication protocols prescribed by the payment processing network to which the payment instrument being used for the translation belongs. Payment processing networks include for ATM card (70), first credit card (72) second credit card (74), check card , (76) and private label credit card (78). The TPSP (70) obtains transactions from the merchant and distributes them to the proper payment processing networks. Having obtain an …
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Listed from its CIPO record in Patent Yard's archive of Canadian patents past their term. Its claims, description and drawings are in the CIPO record and on Google Patents, and the Claude kit works from them.
Why it's free to use
- Filed June 12, 2003 and granted December 6, 2016. A Canadian patent filed from October 1, 1989 lasts 20 years from filing, so its term ended June 12, 2023.
- A certificate of supplementary protection adds at most two years for a drug, so even that would have ended by June 12, 2025.
- We check Canadian rights only. A patent in its family in another country could still be in force: check its family on Google Patents.
Timeline
Timeline From CIPO dates
Sources & verification
Official CIPO records
Everything on this page comes from the CIPO record linked above. Contains information licensed under the Open Government Licence – Canada.