US 11,710,120 B2
Secure remote payment transaction processing including consumer authentication
Oleg Makhotin, Paris (FR); and Kiushan Pirzadeh, Foster City, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Sep. 21, 2020, as Appl. No. 17/26,841.
Application 17/026,841 is a continuation of application No. 14/493,247, filed on Sep. 22, 2014, granted, now 10,817,875.
Claims priority of provisional application 61/880,802, filed on Sep. 20, 2013.
Prior Publication US 2021/0004797 A1, Jan. 7, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/32 (2012.01); G06Q 20/12 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/3829 (2013.01) [G06Q 20/12 (2013.01); G06Q 20/32 (2013.01); G06Q 20/382 (2013.01); G06Q 20/3823 (2013.01); G06Q 20/401 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
retrieving, by a mobile payment application on a mobile device, payment information including security information comprising user authentication data input into the mobile device by a user of the mobile device and device-specific security values associated with the mobile device;
encrypting, by the mobile payment application using a first encryption key, the payment information to form encrypted payment information;
providing, by the mobile device to a server computer, a payment request including the encrypted payment information, wherein the server computer decrypts the encrypted payment information using a second encryption key, includes an authentication response value from an authentication computer in the payment information, and re-encrypts the payment information with a third encryption key, wherein the authentication computer validates the security information comprising the user authentication data and the device-specific security values associated with the mobile device before providing the providing the authentication response value to the server computer; and
receiving, by the mobile device from the server computer, a payment response including re-encrypted payment information, wherein a transaction processor associated with the mobile device decrypts the re-encrypted payment information using a fourth encryption key and initiates a payment transaction using the decrypted payment information.