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

Claim 7:
8. A system, comprising:
at least one processor programmed or configured to:
transmit a public key of a private/public key pair to a transaction service provider system;
receive data associated with an electronic funds transfer at a point-of-sale (POS) device of a merchant system;
generate 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, when generating the message the at least one processor is programmed or configured to:
generate 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;
generate the second payload associated with the acquirer system;
generate a digital signature for the first payload using a private key of the private/public key pair; and
insert 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;

transmit the message to the acquirer system;
generate a certification message, wherein the certification message comprises a payload formatted according to a specification of the transaction service provider system; and
transmit the certification message to the transaction service provider system without transmitting the certification message to the acquirer system.