1
Mark Linehan: Four-party credit/debit payment protocol. International Business Machines Corporation, Joseph C Redmond Jr, David M Shofi, Morgan & Finnegan, December 4, 2001: US06327578 (570 worldwide citation)

A method, system, program, and method of doing business are disclosed for electronic commerce that includes the feature of a “thin” consumer's wallet by providing issuers with an active role in each payment. This is achieved by adding an issuer gateway and moving the credit/debit card authoriza ...


2
Mark Linehan: Four-party credit/debit payment protocol. International Business Machines Corporation, July 29, 2008: USRE040444

A method, system, program, and method of doing business are disclosed for electronic commerce that includes the feature of a “thin” consumer's wallet by providing issuers with an active role in each payment. This is achieved by adding an issuer gateway and moving the credit/debit card authorization ...