US 12,443,945 B2
System, method, and computer program product for exchanging transaction data
Roshankumar Vishin Nichani, Winchester (GB); Adam Foster, Thatcham (GB); Anatolie Popusoi, Calcot (GB); and Youwan Thapa, Basingstoke (GB)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Sep. 9, 2022, as Appl. No. 17/941,803.
Application 17/941,803 is a continuation of application No. 17/437,451, granted, now 11,475,440, previously published as PCT/US2019/036317, filed on Jun. 10, 2019.
Prior Publication US 2023/0004961 A1, Jan. 5, 2023
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); H04B 5/00 (2024.01)
CPC G06Q 20/3825 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/204 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/38215 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/389 (2013.01); H04B 5/00 (2013.01)] 9 Claims
OG exemplary drawing
 
1. A method, comprising:
storing, with an integrated circuit associated with a near field communication (NFC) transponder, a first public encryption key of a merchant device associated with a merchant for use as a unique device identifier of the merchant device in a memory of the integrated circuit, wherein the NFC transponder comprises an antenna and the integrated circuit, wherein the integrated circuit is powered by an electromagnetic field generated by a user device associated with a user or the merchant device associated with the merchant, and wherein the integrated circuit is configured to read from, write to, and/or delete data from the memory based on communicating via an NFC connection,
wherein the memory comprises a first predefined region comprising a secure region, a second predefined region comprising a merchant data region, and a third predefined region comprising a transaction data region, wherein the first public encryption key is stored in the secure region, and wherein merchant data associated the merchant is stored in the merchant data region;
limiting communication of data to and/or from the secure region of the memory to the merchant device, wherein limiting communication of data to and/or from the secure region of the memory to the merchant device comprises:
preventing data from being read from or written to the secure region of the memory based on communication with a device that is not associated with the merchant;
limiting communication of data from the merchant data region of the memory to the user device, wherein limiting communication of data from the merchant data region of the memory to the user device comprises:
permitting the user device to read data from the merchant data region, preventing the user device from writing data to the merchant data region, and allowing the merchant device to write data to the merchant data region; and
limiting communication of data to the transaction data region of the memory to the merchant device, wherein limiting communication of data to the transaction data region of the memory to the merchant device comprises:
permitting the merchant device to read data from the merchant data region, preventing the merchant device from writing data to the transaction data region, and allowing the user device to write data to the transaction data region;
retrieving, with the integrated circuit, the first public encryption key of the merchant device from the secure region of the memory;
retrieving, with the integrated circuit, the merchant data associated with the merchant from the merchant data region of the memory;
transmitting, with the integrated circuit, the first public encryption key of the merchant device and the merchant data to the user device via the antenna of the NFC transponder and a first NFC connection, wherein the first NFC connection is between the user device and the NFC transponder;
receiving, with the integrated circuit and from the user device, a second public encryption key of the user device for use as a unique device identifier of the user device and transaction data associated with a transaction between the merchant and the user via the antenna of the NFC transponder and the first NFC connection, wherein the transaction data associated with the transaction between the merchant and the user comprises the first public encryption key of the merchant device and the merchant data;
appending, with the integrated circuit, the second public encryption key and the transaction data associated with the transaction to a database stored in the memory in response to receiving the second public encryption key and the transaction data associated with the transaction via the NFC connection, wherein appending the second public encryption key and the transaction data associated with the transaction to the memory comprises:
storing, with the integrated circuit and based on receiving the second public encryption key from the user device, the second public encryption key and the transaction data associated with the transaction in the transaction data region of the memory; and
transmitting, with the integrated circuit, the second public encryption key and the transaction data associated with the transaction to the merchant device via a second NFC connection, wherein the second NFC connection is between the merchant device and the NFC transponder.