Patent ID: 11880833
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 14:
15. A computer-program product comprising at least one non-transitory computer-readable medium including one or more instructions that, when executed by at least one processor, cause the at least one processor to:
establish at least one secret key for communication between a plurality of user devices, the plurality of user devices comprising a first user device associated with a requesting user and a plurality of second user devices associated with a plurality of responding users, wherein at least one server computer does not have access to the at least one secret key;
receive, from the first user device, a split-payment request message comprising encrypted data associated with a value for a split-payment transaction, the encrypted data included in the split-payment request message encrypted based at least in part on the secret key;
generate an encrypted balance for at least one responding user of the plurality of responding users based on the encrypted data of the split-payment request message and an additive homomorphic cryptographic algorithm; and
transmit at least one split-payment confirmation message to at least one user device of the plurality of user devices, the split-payment confirmation message including the encrypted balance for the requesting user and/or the at least one responding user.