ENCRYPTED PAYMENT TRANSACTIONS

摘要

Systems, apparatuses, and methods are provided for conducting encrypted payment transactions. In some embodiments, a payment device may send account credentials for a digital wallet to a wallet provider computer, and receive encrypted payment data from the wallet provider computer in response. The payment device may then send a request to initiate a transaction to a transaction processor computer (e.g., a merchant computer or a merchant processor computer), the request to initiate the transaction including the encrypted payment data. The transaction processor computer can then decrypt the encrypted payment data and conduct the transaction.

主权项

1. A system comprising a payment device, the payment device comprising:
a processor; and a computer readable medium comprising code executable by the processor to implement a method comprising:
receiving transaction data for a payment transaction;receiving account credentials for a digital wallet from a user;sending the account credentials to a wallet provider computer;receiving encrypted payment data associated with the digital wallet from the wallet provider computer, the encrypted payment data for use in the payment transaction;sending a request to initiate the payment transaction including the encrypted payment data; andreceiving an indication of whether the transaction was successful.