US 11,995,623 B2
Universal payment channels
Mohammad Mohsen Minaei Bidgoli, Palo Alto, CA (US); Ranjit Kumaresan, Sunnyvale, CA (US); Mahdi Zamani, Palo Alto, CA (US); and Sivanarayana Gaddam, San Francisco, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Dec. 13, 2022, as Appl. No. 18/065,245.
Application 18/065,245 is a continuation of application No. 16/834,954, filed on Mar. 30, 2020, granted, now 11,556,909.
Claims priority of provisional application 62/888,326, filed on Aug. 16, 2019.
Prior Publication US 2023/0112296 A1, Apr. 13, 2023
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/38 (2012.01); H04L 9/00 (2022.01); H04L 9/06 (2006.01); H04L 9/08 (2006.01)
CPC G06Q 20/108 (2013.01) [G06Q 20/3827 (2013.01); G06Q 20/389 (2013.01); H04L 9/0637 (2013.01); H04L 9/0643 (2013.01); H04L 9/50 (2022.05); H04L 2209/56 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
a) receiving, by a server computer from a second user device, a payee authorization message comprising a certificate tuple and a second user certificate signature;
b) receiving, by the server computer from a first user device, a payer authorization message comprising the certificate tuple and a first user certificate signature;
c) determining, by the server computer, that the certificate tuple from the second user device and the certificate tuple from the first user device match;
d) verifying, by the server computer, the second user certificate signature using a second user public key;
e) verifying, by the server computer, the first user certificate signature using a first user public key; and
f) in response to steps c), d), and e), transmitting, by the server computer, a first server authorization message to the first user device and a second server authorization message to the second user device.