US 12,438,861 B2
Decentralized processing of interactions on delivery
Sivanarayana Gaddam, Santa Clara, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Apr. 23, 2024, as Appl. No. 18/643,254.
Application 18/643,254 is a continuation of application No. 17/429,263, granted, now 12,003,495, previously published as PCT/US2019/029802, filed on Apr. 30, 2019.
Prior Publication US 2024/0275773 A1, Aug. 15, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); G06Q 20/02 (2012.01); H04L 9/14 (2006.01); H04L 9/00 (2022.01)
CPC H04L 63/08 (2013.01) [G06Q 20/027 (2013.01); H04L 9/14 (2013.01); H04L 63/10 (2013.01); H04L 9/50 (2022.05); H04L 2209/56 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
generating, by a user device operated by a user, an initial authorization request message for an interaction to obtain a resource from a resource provider;
transmitting, by the user device to a first node in a proxy network, the initial authorization request message, wherein the first node subsequently processes the initial authorization request message and transmits a routing message to a second node in the proxy network based on the processing of the initial authorization request message;
receiving, by the user device from the second node in the proxy network, a pre-authorization approval indicator (PAAI);
storing, by the user device, the pre-authorization approval indicator; and
providing, by the user device to an agent device of an agent of the resource provider, the pre-authorization approval indicator, wherein the agent device further processes and transmits an authorization request message comprising the pre-authorization approval indicator to the proxy network for authorization by an authorizing entity,
wherein the initial authorization request message comprises an interaction identifier, user data and an authorization capsule, the authorization capsule being associated with the authorizing entity and comprising risk policies, encrypted credentials of the user, a plurality of re-encryption keys respectively associated with nodes in the proxy network, and a plurality of node identifiers respectively associated with the re-encryption keys.