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

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Faith, Patrick, Koganti, Kris, Hammad, Ayman, Rewis, Ben
• Primary Examiner(s): Nigh, James D
• Application Number:
  US12/917,830
• Publication Number:
  US 20110106659A1
• Time in Patent Office: 770 Days
• Field of Search: 705/50, 705/51, 705/53, 705/64, 705/67, 705/75, 705/79
• US Class Current: 705/50
• 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 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.

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 access device is a personal computer.

4. The method of claim 1 wherein the access 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 the authorization request message.

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

21. The method of claim 1 wherein the authorization request message is received from the merchant via an acquirer.

22. The method of claim 1 wherein the payment processing network is configured to process credit, debit, and prepaid card transactions, and is configured to perform authorization and clearing and settlement processes.

23. The method of claim 1 wherein the transaction is conducted using an account identifier associated with a credit or debit card.

24. The method of claim 23 wherein the authorization request message comprises a one-time use account number, and the one time use account number is transmitted to the access device via the secure communications channel.

25. The method of claim 1 wherein the secure communications channel is established before the authorization request message is received by the payment processing network.

11. A method comprising:

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.

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 access device is a personal computer.

14. The method of claim 11 wherein the access 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 the authorization request message.

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