Patent ID: 11875348
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A computer-implemented method, the method comprising:
transmitting, with at least one processor, a public key of a private/public key pair to a transaction service provider system;
receiving, with at least one processor, data associated with an electronic funds transfer at a point-of-sale (POS) device of a merchant system;
generating, with at least one processor, a message, wherein the message comprises a first payload associated with the electronic funds transfer at the POS device and a second payload associated with an acquirer system, wherein generating the message comprises:
generating the first payload associated with the electronic funds transfer at the POS device based on the data associated with the electronic funds transfer at the POS device;
generating the second payload associated with the acquirer system;
generating a digital signature for the first payload using a private key of the private/public key pair; and
inserting the first payload associated with the electronic funds transfer at the POS device and the digital signature for the first payload into the second payload associated with the acquirer system;

transmitting, with at least one processor, the message to the acquirer system;
generating, with at least one processor, a certification message, wherein the certification message comprises a payload formatted according to a specification of the transaction service provider system; and
transmitting, with at least one processor, the certification message to the transaction service provider system without transmitting the certification message to the acquirer system.