Patent ID: 9286602
Filing Date: 2016-03-15
CPC Classification: G06Q,H04L,H04M,H04W

Claim Text:
1. A method of securely communicating a message from a first correspondent device to one or more second correspondent devices, the method comprising: dividing the message into a visible component, a first hidden component for a payment gateway, and a second hidden component for an issuing bank; encrypting the first hidden component using a public key of the payment gateway, wherein the encrypted first hidden component includes information identifying the issuing bank when decrypted using a private key of the payment gateway, and the information is used to forward the second hidden component to the issuing bank; encrypting the second hidden component using a public key of the issuing bank, wherein the encrypted second hidden component includes transaction details, including financial account information, when decrypted using a private key of the issuing bank; signing the visible component, the encrypted first hidden component, and the encrypted second component of the message using a private key of the first correspondent device; transmitting the message to the payment gateway; and receiving, in response to the message and from the payment gateway, a receipt for the transaction between the first correspondent device and the one or more second correspondent devices and including a signature by the payment gateway, wherein the receipt is verifiable by the issuing bank and the receipt comprises a visible receipt component and a hidden receipt component, the hidden receipt component including at least a portion of the transaction details.