Switch Server System Interoperable With Mobile Devices Providing Secure Communications For Transactions

摘要

Methods and systems for conducting a secure transaction over a network using one or more gateway servers. The methods include exchanging first cryptographic information with a user. The first cryptographic information adapted to encrypt and decrypt communications. The methods further include receiving, from the user, identifying information associated with the user. The methods also include validating the identifying information and converting the user to a participating user after the validating operation. The methods include exchanging second cryptographic information with the participating user. The second cryptographic information adapted to encrypt and decrypt communications. The methods also include receiving, from the participating user, encrypted personal data being encrypted using the second cryptographic information. The encrypted personal data being received via a data equity programmable user interface. The methods include performing a transaction with the user in accordance with an encrypted payment authorization.

主权项

1. A system, comprising:
a secure switch operable to communicate bilaterally with at least one consumer application; at least one gateway server electronically communicating with the secure switch and including a processor and a memory communicatively coupled to the processor, the memory storing instructions executable by the system to perform a method, the method comprising:
exchanging first cryptographic information with a user, the first cryptographic information adapted to encrypt and decrypt communications;receiving, from the user, identifying information associated with the user;validating the identifying information;converting the user to a participating user after the validating operation;exchanging second cryptographic information with the participating user, the second cryptographic information adapted to encrypt and decrypt communications;receiving encrypted personal data associated with the participating user and being encrypted using the second cryptographic information, the encrypted personal data being received via a data equity programmable user interface;confirming the encrypted personal data to transform the encrypted personal data to decrypted personal data, the confirming of the encrypted personal data including decrypting, by the system, the encrypted personal data using the second cryptographic information;sending a payment message to a mobile device associated with the participating user, the payment message being encrypted by the system using the first cryptographic information to form an encrypted payment message;receiving, from the mobile device, an encrypted payment authorization associated with the payment message, the encrypted payment authorization being encrypted using the first cryptographic information, being decrypted by the system using the first cryptographic information; andperforming a transaction with the participating user in accordance with the encrypted payment authorization; and at least one application programming interface electronically communicating with the at least one gateway server and adapted to communicate bilaterally with at least one consumer application.