US 12,136,086 B2
Cross-border quick response (QR) payment flow for encrypted primary account number (PAN) payment flow
Pranav Sheth, San Francisco, CA (US); Ying Hao, Austin, TX (US); and Vinay Gaonkar, Austin, TX (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Appl. No. 17/439,304
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francsico, CA (US)
PCT Filed Jun. 18, 2019, PCT No. PCT/US2019/037730
§ 371(c)(1), (2) Date Sep. 14, 2021,
PCT Pub. No. WO2020/256705, PCT Pub. Date Dec. 24, 2020.
Prior Publication US 2022/0156731 A1, May 19, 2022
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); H04L 9/40 (2022.01)
CPC G06Q 20/3823 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/3276 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/38215 (2013.01); H04L 63/0236 (2013.01); G06Q 2220/00 (2013.01)] 17 Claims
OG exemplary drawing
 
11. A computer-implemented method for limiting a number of encrypted transaction data packet transmission between a merchant and a server comprising:
storing, by a wallet application, data of a payment device of a user for conducting a payment transaction;
obtaining, by the wallet application, information of a merchant and a transaction via obtaining a transaction code for initiating the payment transaction to the merchant;
in response to the obtained information, generating, by the wallet application, an encrypted payload including at least the following data:
data of the payment device, information of the merchant, and information of the payment transaction;
transmitting the encrypted payload to a payment facilitator within a restricted computer network firewall;
decrypting, by the payment facilitator, the encrypted payload to form a decrypted payload;
after decryption of the encrypted payload, transmitting the decrypted payload in one payment packet to a payment processing server outside the restricted computer network firewall; and
transmitting from outside the restricted computer network firewall to the merchant inside the restricted computer network firewall a notification of payment after the payment processing server validates the payment transaction.