Encryption switch processing

US8538885B2 · kind B2 · utility

Inventors

• Patrick Faith · Pleasanton, US
• Kris Koganti · Cupertino, US
• Ayman Hammad · Pleasanton, US
• Ben Rewis · Oakland, US

Key dates

• Filing date: Oct 25, 2012
• Grant date: Sep 17, 2013
• Expiry date: Oct 25, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0613
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method for delivering non-financial electronic data through a secure communications channel between a payment processing network and an access device is disclosed. One embodiment of the invention is directed to a method comprising receiving, at a payment processing network, a request to establish a secure communications channel between a consumer device and the payment processing network. Upon establishing a secure communications channel with the consumer device, the payment processor network receives non-financial electronic content from a merchant at the payment processing network where the non-financial electronic content is selected at the merchant by a user associated with the consumer device. The non-financial electronic content is sent to the consumer device from the payment processing network via the secure communications channel between the consumer device and the payment processing network.