Encryption switch processing
First Claim
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.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
25 Claims
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1. A method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 21, 22, 23, 24, 25)
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11. A method comprising:
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selecting non-financial electronic content at the merchant by a user using an access device, wherein the merchant sends an authorization request message to an issuer via a payment processing network, and the issuer sends an authorization response to the merchant via the payment processing network; sending, by the access device, a request to establish a secure communications channel between the access device and a payment processing network; establishing a secure communications channel between the payment processing network and the access device; receiving the non-financial electronic content from the merchant via the payment processing network and through the secure communications channel between the access device and the payment processing network; and receiving a certified receipt, the certified receipt certifying that the non-electronic content is assured and certified by the payment processing network. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification