Secure remote payment transaction processing including consumer authentication

US10817875B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Oleg Makhotin · Paris, FR
• Kiushan Pirzadeh · Foster City, US

Key dates

• Filing date: Sep 22, 2014
• Grant date: Oct 27, 2020
• Expiry date: Dec 12, 2035

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/401
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the invention are directed to methods, apparatuses, computer-readable media, and systems for securely processing remote transactions. One embodiment is directed to a method of processing a remote transaction initiated by a communication device. The method comprising a server computer receiving a payment request including encrypted payment information that is encrypted using a first key. The encrypted payment information including security information. The method further comprises decrypting the encrypted payment information using a second key, obtaining an authentication response value for the remote transaction from an authentication computer associated with an issuer, updating the decrypted payment information to include the authentication response value, re-encrypting the decrypted payment information using a third key, and sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypting the re-encrypted payment information using a fourth key and initiating a payment transaction using the decrypted payment information.