# US 11,443,311 B2 · Method and system for blockchain transaction confirmation for small merchants > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,443,311 B2 - Document ID: US11443311B2 - Status: Granted - Kind: B2 - Application number: 16/734,830 - Filed: 2020-01-06 - Published: 2021-07-08 - Granted: 2022-09-13 - Earliest claimed: 2020-01-06 - Assignees: Mastercard International Incorporated - Applicants: Mastercard International Incorporated - Inventors: Chandan Garg; Awinash Pandey; Saugandh Datta; Sandeep Parvathareddy - Web page: https://patentgrep.com/patent/US11443311B2 ## CPC - G06Q 20/3829: {involving key management} - H04L 9/3239: {involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD} - G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] - G06Q 20/0855: {involving a third party} - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights} - G06Q 20/388: {using mutual authentication without cards, e.g. challenge-response} - G06Q 20/401: {Transaction verification} - H04L 9/0637: {Modes of operation, e.g. cipher block chaining [CBC], electronic codebook [ECB] or Galois/counter mode [GCM]} - H04L 9/50: {using hash chains, e.g. blockchains or hash trees} - G06Q 2220/00: Business processing using cryptography - H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract A method for facilitating payment transactions for offline merchants through a third party service provider includes: receiving, by processing server, a confirmation message for a payment transaction from a computing device including a merchant identifier, consumer identifier, and transaction amount; generating, by the processing server, a notification message including the merchant identifier, consumer identifier, and transaction amount; encrypting, by the processing server, the notification message using a public key of a first cryptographic key pair; transmitting, by the processing server, the encrypted notification message to the computing device; receiving, by an encryption device, the encrypted notification message from the computing device; decrypting, by the encryption device, the encrypted notification message using a private key of the first cryptographic key pair; and displaying, by a display interfaced with the encryption device, a confirmation message including the consumer identifier included in the decrypted notification message. ## Claims ### Claim 1 A method for facilitating payment transactions for offline merchants through a third-party service provider, comprising: generating, by a processor of an encryption device of an offline merchant, a data message including a merchant identifier and a transaction amount; transmitting, by a transmitter of the encryption device, the data message to a computing device over a direct communication channel; receiving, by a receiver of a processing server from a payment network, which is different from the direct communication channel, a first confirmation message for a payment transaction from a the computing device, where the first confirmation message includes at least the merchant identifier, a consumer identifier, and the transaction amount transmitted to the computing device by the encryption device, the first confirmation message being encrypted according to a first encryption key pair shared between the processing server and the computing device, and wherein the encryption device is offline relative to the payment network; decrypting, by a processor of the processing server, the encrypted merchant identifier and consumer identifier using a private key of the first cryptographic key pair; generating, by the processor of the processing server, a notification message, where the notification message includes at least the merchant identifier, the consumer identifier, and the transaction amount; encrypting, by the processor of the processing server, the notification message using a public key of a second cryptographic key pair shared between the processing server and the encryption device; transmitting, by a transmitter of the processing server, the encrypted notification message to the computing device over the payment network; receiving, by a receiver of the encryption device, the encrypted notification message from the computing device over the direct communication channel; decrypting, by a the processor of the encryption device, the encrypted notification message using a private key of the second cryptographic key pair; and displaying, by a display interfaced with the encryption device, a second confirmation message including at least the consumer identifier included in the decrypted notification message. ### Claim 2 (depends on 1) The method of claim 1, wherein the merchant identifier and consumer identifier included in the confirmation message are encrypted using a public key of the first cryptographic key pair. ### Claim 3 (depends on 1) The method of claim 1, wherein the notification message further includes a timestamp. ### Claim 4 (depends on 1) The method of claim 1, wherein a first timestamp representing a time of the payment transaction is used as a salt in encrypting the notification message. ### Claim 5 (depends on 1) The method of claim 1, further comprising: electronically transmitting, by the computing device, the encrypted notification message generated by the processing server to the encryption device. ### Claim 6 (depends on 1) The method of claim 1, wherein the payment network includes a blockchain and the payment transaction is a blockchain transaction. ### Claim 7 A system for facilitating payment transactions for offline merchants through a third-party service provider, comprising: an encryption device associated of an offline merchant, the encryption device including: a processor generating a data message including a merchant identifier and a transaction amount; and a transmitter transmitting the data message to a computing device over a direct communication channel; a processing server including a receiver receiving a first confirmation message for a payment transaction from a payment network, which is different from the direct communication channel, where the first confirmation message includes at least a merchant identifier, a consumer identifier, and a transaction amount transmitted to the computing device by the encryption device, the first confirmation message being encrypted according to a first encryption key pair shared between the processing server and the computing device, and wherein the encryption device is offline relative to the payment network; a processor decrypting the encrypted merchant identifier and consumer identifier using a private key of the first cryptographic key pair; generating a notification message, where the notification message includes at least the merchant identifier, the consumer identifier, and the transaction amount, and encrypting the notification message using a public key of a second cryptographic key pair shared between the processing server and the encryption device, and a transmitter transmitting the encrypted notification message to the computing device over the payment network; the encryption device further including a receiver receiving the encrypted notification message from the computing device over the direct communication channel, and a processor decrypting the encrypted notification message using a private key of the second cryptographic key pair; and a display interfaced with the encryption device displaying a second confirmation message including at least the consumer identifier included in the decrypted notification message. ### Claim 8 (depends on 7) The system of claim 7, wherein the merchant identifier and consumer identifier included in the confirmation message are encrypted using a public key of the first cryptographic key pair. ### Claim 9 (depends on 7) The system of claim 7, wherein the notification message further includes a timestamp. ### Claim 10 (depends on 7) The system of claim 7, wherein a first timestamp representing a time of the payment transaction is used as a salt in encrypting the notification message. ### Claim 11 (depends on 7) The system of claim 7, wherein the computing device electronically transmits the encrypted notification message generated by the processing server to the encryption device. ### Claim 12 (depends on 7) The system of claim 7, wherein the payment network includes a blockchain and the payment transaction is a blockchain transaction.