US 12,260,406 B2
Secure processing of electronic payments
Stephen James Scott, Oakville (CA); Weiqiang Yin, Mississauga (CA); Edison U. Ortiz, Orlando, FL (US); Terry W. Lee, Toronto (CA); Gabriel Y. Woo, Toronto (CA); Judy Dinn, Toronto (CA); and Chai Lam, Toronto (CA)
Assigned to ROYAL BANK OF CANADA, Montreal (CA)
Filed by ROYAL BANK OF CANADA, Toronto (CA)
Filed on Jul. 10, 2023, as Appl. No. 18/219,945.
Application 18/219,945 is a continuation of application No. 17/389,984, filed on Jul. 30, 2021, granted, now 11,699,152.
Application 17/389,984 is a continuation of application No. 15/201,428, filed on Jul. 2, 2016, granted, now 11,080,701, issued on Aug. 3, 2021.
Application 17/389,984 is a continuation of application No. 15/000,685, filed on Jan. 19, 2016, granted, now 11,080,700.
Claims priority of provisional application 62/200,859, filed on Aug. 4, 2015.
Claims priority of provisional application 62/188,067, filed on Jul. 2, 2015.
Claims priority of provisional application 62/105,061, filed on Jan. 19, 2015.
Prior Publication US 2023/0394482 A1, Dec. 7, 2023
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/02 (2012.01); G06Q 20/12 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/40 (2013.01) [G06Q 20/023 (2013.01); G06Q 20/12 (2013.01); G06Q 20/36 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A transaction processing system comprising:
at least one network communication interface;
at least one processor; and
at least one persistent memory device, the at least one persistent memory device comprising stored, machine-interpretable instructions adapted to cause the at least one processor to:
generate and store, a secure data set representing a trust certificate to a user device, the secure data set comprising an unique identifier associated with the user device for authorizing a trusted wallet application on the user device as a trusted device;
transmit, via the at least one network communication interface, the secure data set to the trusted wallet application for secure storage at the user device;
receive, from the trusted wallet application on the user device, via the at least one network communication interface, a transaction authorization request data set, the transaction authorization request data set comprising data representing at least: the trust certificate, a merchant identifier associated with a merchant, a transaction amount payable to the merchant, a plurality of source identifiers, each source identifier associated with a respective funding source from a plurality of transaction payment funding sources, and a respective portion of the transaction amount payable to the merchant to be funded from each respective funding source of the plurality of transaction payment funding sources;
upon authentication of the trusted wallet application on the user device based at least on the trust certificate:
verify, for each of the plurality of transaction payment funding sources associated with the plurality of source identifiers, sufficient fund is available to satisfy each respective portion of the transaction amount payable to the merchant to be funded;
generate, upon the verification that sufficient fund is available to satisfy each respective portion of the transaction amount payable to the merchant to be funded, a dynamic card token comprising the transaction amount payable to the merchant and a single transaction payment funding source identifier; and
route, via the network communication interface, to at least one of the user device and a merchant transaction system associated with the merchant, the dynamic card token; and
receive, via the network communication interface, a confirmation message that a transaction is completed using the routed dynamic card token.