Encryption Switch Processing

• US 20110106659A1
• Filed: 11/02/2010
• Published: 05/05/2011
• Est. Priority Date: 11/02/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Faith, Patrick, Hammad, Ayman, Rewis, Ben, Koganti, Kris
• Granted Patent: US 8,332,325 B2
• Time in Patent Office: Days
• US Class Current: 705/26.41
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 Third-party assisted

Abstract

A method for delivering non-financial electronic data through a secure communications channel between a payment processing network and an access device is disclosed. One embodiment of the invention is directed to a method comprising receiving, at a payment processing network, a request to establish a secure communications channel between a consumer device and the payment processing network. Upon establishing a secure communications channel with the consumer device, the payment processor network receives non-financial electronic content from a merchant at the payment processing network where the non-financial electronic content is selected at the merchant by a user associated with the consumer device. The non-financial electronic content is sent to the consumer device from the payment processing network via the secure communications channel between the consumer device and the payment processing network.

Claims

1. A method comprising:

receiving, at a payment processing network, a request to establish a secure communications channel between a consumer device and the payment processing network;

establishing a secure communications channel with the consumer device;

receiving non-financial electronic content from a merchant at the payment processing network, wherein the non-financial electronic content is selected at the merchant by a user associated with the consumer device; and

sending the non-financial electronic content to the consumer device via the secure communications channel between the consumer device and the payment processing network.

2. The method of claim 1 wherein the non-financial electronic content comprises one or more of:

electronic songs, books, health care data, software updates, virtual goods, hardware reconfigured, receipts, and medical referrals.

3. The method of claim 1 wherein the consumer device is a personal computer.

4. The method of claim 1 wherein the consumer device is in communication with a verification token.

5. The method of claim 4 wherein the verification token is a USB stick.

6. The method of claim 1 wherein the payment processing network is adapted to process credit and debit card transactions.

7. The method of claim 1 wherein the merchant receives the non-financial electronic content from a data warehouse that is in connection with the merchant.

8. The method of claim 1 wherein the payment processing network is able to receive the non-financial electronic content directly from a data warehouse that is in connection with the merchant.

9. The method of claim 1 wherein the non-financial electronic content is sent from the merchant to the payment processing network as part of a transaction authorization request message.

10. The method of claim 1 wherein the merchant is located online and may be accessed via a web site.

11. A method comprising:

sending, at a consumer device, a request to establish a secure communications channel between the consumer device and a payment processing network;

establishing a secure communications channel with the payment processing network; and

receiving non-financial electronic content from the payment processing network via the secure communications channel between the consumer device and the payment processing network, wherein the non-financial electronic content was sent by a merchant to the payment processing network and was selected at a merchant by a user associated with the consumer device.

12. The method of claim 11 wherein the non-financial electronic content comprises one or more of:

electronic songs, books, health care data, software updates, virtual goods, hardware reconfigured, receipts, and medical referrals.

13. The method of claim 11 wherein the consumer device is a personal computer.

14. The method of claim 11 wherein the consumer device is in communication with a verification token.

15. The method of claim 14 wherein the verification token is a USB stick.

16. The method of claim 11 wherein the payment processing network is adapted to process credit and debit card transactions.

17. The method of claim 11 wherein the merchant receives the non-financial electronic content from a data warehouse that is in connection with the merchant.

18. The method of claim 11 wherein the payment processing network is able to receive the non-financial electronic content directly from a data warehouse that is in connection with the merchant.

19. The method of claim 11 wherein the non-financial electronic content is sent from the merchant to the payment processing network as part of a transaction authorization request message.

20. The method of claim 11 wherein the merchant is located online and may be accessed via a web site.

21. A method comprising:

receiving, at a server computer in a payment processing network, feedback data from a user regarding a transaction conducted by the user at a merchant involving the purchase of non-financial electronic content, wherein the non-financial electronic content was sent from the payment processing network to a consumer device associated with the user via a secure communications link between the payment processing network and the consumer device;

gathering the feedback data;

analyzing the feedback data; and

taking an action based on the analyzed feedback data.

22. The method of claim 21 wherein the feedback data is received in response to a prompt message sent to the consumer device associated with the user by the server computer in the payment processing network.

23. The method of claim 21 further comprising:

displaying the feedback data on a social networking web site managed by the server computer in the payment processing network.

24. The method of claim 23, wherein the user is able to directly input the feedback data on the social networking web site.

25. The method of claim 21 wherein the consumer device is a personal computer.