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Encryption switch processing

  • US 8,332,325 B2
  • Filed: 11/02/2010
  • Issued: 12/11/2012
  • Est. Priority Date: 11/02/2009
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving an authorization request message at a payment processing network from a merchant in a transaction to purchase non-financial electronic content, wherein the non-financial electronic content is selected at the merchant by a user using an access device;

    sending the authorization request message by the payment processing network to an issuer;

    receiving, by the payment processing network, an authorization response message from the issuer;

    sending, by the payment processing network, the authorization response message to the merchant;

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

    establishing a secure communications channel between the access device and the payment processing network;

    receiving the non-financial electronic content from the merchant at the payment processing network;

    sending the non-financial electronic content, by the payment processing network, to the access device via the secure communications channel between the access device and the payment processing network; and

    providing a certified receipt to the user, the certified receipt certifying that the non-electronic content is assured and certified by the payment processing network.

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