Patent ID: 11880833
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, comprising:
establishing, with at least one processor, a 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 second user device associated with a second user, wherein at least one server computer does not have access to the secret key;
receiving, with the at least one server computer, from the first user device, a split-payment request message comprising encrypted data including a first value and a second value, wherein the encrypted data included in the split-payment request message is encrypted based on the secret key;
generating, with the at least one server computer, an encrypted balance for the requesting user and the second user based on the encrypted data of the split-payment request message; and
transmitting, with the at least one server computer, to the second user device, a split-payment confirmation message including the encrypted balance for the requesting user and/or the second user.