发明名称 SECURE REMOTE PAYMENT TRANSACTION PROCESSING INCLUDING CONSUMER AUTHENTICATION
摘要 Embodiments of the invention are directed to methods, apparatuses, computer-readable media, and systems for securely processing remote transactions. One embodiment is directed to a method of processing a remote transaction initiated by a communication device. The method comprising a server computer receiving a payment request including encrypted payment information that is encrypted using a first key. The encrypted payment information including security information. The method further comprises decrypting the encrypted payment information using a second key, obtaining an authentication response value for the remote transaction from an authentication computer associated with an issuer, updating the decrypted payment information to include the authentication response value, re-encrypting the decrypted payment information using a third key, and sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypting the re-encrypted payment information using a fourth key and initiating a payment transaction using the decrypted payment information.
申请公布号 EP3047437(A1) 申请公布日期 2016.07.27
申请号 EP20140845716 申请日期 2014.09.22
申请人 VISA INTERNATIONAL SERVICE ASSOCIATION 发明人 MAKHOTIN, OLEG;PIRZADEH, KIUSHAN
分类号 G06Q20/40;H04L9/32 主分类号 G06Q20/40
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