Invention Grant
- Patent Title: Secure remote payment transaction processing
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Application No.: US16698706Application Date: 2019-11-27
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Publication No.: US11055694B2Publication Date: 2021-07-06
- Inventor: John Sheets , Kim Wagner , Christian Aabye , Frederick Liu , Igor Karpenko , Glenn Powell , Kiushan Pirzadeh
- Applicant: Visa International Service Association
- Applicant Address: US CA San Francisco
- Assignee: Visa International Service Association
- Current Assignee: Visa International Service Association
- Current Assignee Address: US CA San Francisco
- Agency: Kilpatrick Townsend & Stockton LLP
- Main IPC: G06Q20/32
- IPC: G06Q20/32 ; G06Q20/28 ; G06Q20/38

Abstract:
Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypts the re-encrypted payment information using a transaction processor private key and initiates a payment transaction.
Public/Granted literature
- US20200097948A1 SECURE REMOTE PAYMENT TRANSACTION PROCESSING Public/Granted day:2020-03-26
Information query