发明名称 Payment card with integrated chip
摘要 A method is disclosed. It includes presenting a payment card to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.
申请公布号 US9373111(B2) 申请公布日期 2016.06.21
申请号 US201213570185 申请日期 2012.08.08
申请人 Visa International Service Association 发明人 Wagner Kim;Sloan Dinah;Byrne Brian
分类号 G06Q20/40;G06Q20/32;G06Q20/34;G06Q20/38 主分类号 G06Q20/40
代理机构 Kilpatrick Townsend & Stockton LLP 代理人 Kilpatrick Townsend & Stockton LLP
主权项 1. A method comprising: receiving, by a server computer, from an access device associated with a merchant during a transaction, an authorization request message comprising an account number and encrypted additional data related to the transaction involving the merchant; requesting, by the server computer, authorization for the transaction by sending a request message to an issuer computer, wherein the request message comprises the account number included in the received authorization request message; decrypting, by the server computer, the encrypted additional data included in the authorization request message associated with the transaction; storing, by the server computer, the decrypted additional data associated with the transaction in a database; receiving, by the server computer, from the issuer computer, an authorization response message that indicates an authorization of the transaction; determining, by the server computer, that the merchant is eligible to receive the decrypted additional data associated with the transaction; based on determining that the merchant is eligible to receive the decrypted additional data associated with the transaction, modifying, by the server computer, the authorization response message by inserting the decrypted additional data into the authorization response message; and transmitting, by the server computer, the modified authorization response message inserted with the decrypted additional data to the access device.
地址 San Francisco CA US