Patent ID: 11880833
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:
receive, from a first user device associated with a requesting user, 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 at least one secret key, wherein the at least one secret key is established for communication between a plurality of user devices, and wherein at least one server computer does not have access to the at least one secret key;
generate an encrypted balance for at least one responding user of a plurality of responding users based on the encrypted data of the split-payment request message; 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.