US 12,321,926 B2
System, method, and computer program product for authenticating a user for a transaction
Sivanarayana Gaddam, Santa Clara, CA (US); and Bryan Carroll, Livermore, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on May 9, 2022, as Appl. No. 17/739,326.
Application 17/739,326 is a continuation of application No. 16/540,230, filed on Aug. 14, 2019, granted, now 11,354,652.
Prior Publication US 2022/0261792 A1, Aug. 18, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/08 (2006.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); H04L 9/40 (2022.01)
CPC G06Q 20/3678 (2013.01) [G06Q 20/3829 (2013.01); H04L 9/0861 (2013.01); H04L 63/0442 (2013.01); H04L 63/083 (2013.01); G06Q 2220/00 (2013.01); H04L 2209/56 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
generating, with a payment gateway, a payment gateway key pair including a payment gateway public key and a corresponding payment gateway secret key, the payment gateway public key and the payment gateway secret key associated with the payment gateway;
communicating, with the payment gateway, to an electronic wallet transaction processing system, the payment gateway public key;
receiving, with the payment gateway, from the electronic wallet transaction processing system, a public re-encryption key generated based on the payment gateway public key, wherein the public re-encryption key is a proxy re-encryption key;
communicating, with the payment gateway, to a merchant system, the public re-encryption key;
receiving, with the payment gateway, from the electronic wallet transaction processing system, re-encrypted transaction data associated with a transaction, wherein the re-encrypted transaction data includes encrypted transaction data including an account identifier encrypted with an electronic wallet public key and re-encrypted with the public re-encryption key, wherein an electronic wallet key pair includes the electronic wallet public key and a corresponding electronic wallet secret key, the electronic wallet key pair associated with the electronic wallet transaction processing system, and wherein a user is authenticated for the transaction by the electronic wallet transaction processing system based on user credentials associated with the user without decrypting the encrypted transaction data including the account identifier encrypted with the electronic wallet public key before the payment gateway receives, from the electronic wallet transaction processing system, the re-encrypted transaction data;
decrypting, with the payment gateway, the re-encrypted transaction data based at least partially on the payment gateway secret key; and
identifying, with the payment gateway, the account identifier.