US Patent 7111789 Enhancements to multi-party authentication and other protocols

Techniques are disclosed to increase the efficiency of multi-party authentication communications protocols. One technique includes a four party authentication method utilizing a general authenticator to store and provide a credit card authentication password and other payment information to an issuing bank and/or other parties involved in the transaction. Other techniques include the use of skeleton messages to minimize the forwarding of information through a forwarding party, the elimination of redundant communications exchanges, the use of a merchant appliance hardware solution to minimize system integration difficulties, and/or the imposition of credit card constraints. The techniques may be used singly or in combination.