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US 12,755,265 B2Granted
Secure payment transactions via global navigation satellite system
AssigneeInternational Business Machines Corporation
InventorsAhamed Jalaldeen Shahul Hamid, Santosh Rajashekar, Selvi John
Life of this patent
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Abstract
Performing secure payment transactions via Global Navigation Satellite System (GNSS) is provided. An input is received from a payer corresponding to a GNSS user device to initiate a payment transaction in a payment message format from the payer to a payee via a GNSS protocol of a GNSS satellite to a payment system server corresponding to a payment service provider. The payment transaction is sent in a selected GNSS message format via a secure satellite communication link to the GNSS satellite to be transmitted to the payment system server corresponding to the payment service provider for processing of the payment transaction for the payee.
Claims14
A method for performing secure payment transactions comprising:
- training, by a global navigation satellite system (GNSS) user device, a foundation model of a generative artificial intelligence-based digital assistant using historic payment transaction training data corresponding to a plurality of different payment service providers;
- receiving, by the GNSS user device, using the generative artificial intelligence-based digital assistant, an input from a payer corresponding to the GNSS user device to initiate a payment transaction in a payment message format from the payer to a payee via a GNSS protocol of a GNSS satellite to a payment system server corresponding to a payment service provider;
- encrypting, by the GNSS user device, using the generative artificial intelligence-based digital assistant, the payment transaction in the payment message format with a public encryption key provided by the payment service provider based on hardware-based encryption to form an encrypted payment transaction in the payment message format;
- transforming, by the GNSS user device, using the generative artificial intelligence-based digital assistant, the encrypted payment transaction in the payment message format to a selected GNSS message format based on the foundation model to form an encrypted payment transaction in the selected GNSS message format;
- sending, by the GNSS user device, using the generative artificial intelligence-based digital assistant, the payment transaction in the selected GNSS message format via a secure satellite communication link to the GNSS satellite to be transmitted to the payment system server corresponding to the payment service provider for processing of the payment transaction for the payee to increase security of the payment transaction by avoiding security threats to payment transactions that occur in Internet communications;
- and
- retraining, by the GNSS user device, using the generative artificial intelligence-based digital assistant, the foundation model of the generative artificial intelligence-based digital assistant to prioritize the payment transaction utilizing updated training data that include instant payment execution statistics.
4 more elements
A data processing system for performing secure payment transactions comprising:
- a processor set;
- one or more computer-readable storage media;
- and
- program instructions stored on the one or more computer-readable storage media to cause the processor set to perform operations comprising:
- training a foundation model of a generative artificial intelligence-based digital assistant using historic payment transaction training data corresponding to a plurality of different payment service providers;
- receiving, using the generative artificial intelligence-based digital assistant, an input from a payer corresponding to a global navigation satellite system (GNSS) user device to initiate a payment transaction in a payment message format from the payer to a payee via a GNSS protocol of a GNSS satellite to a payment system server corresponding to a payment service provider;
- encrypting, by the GNSS user device, using the generative artificial intelligence-based digital assistant, the payment transaction in the payment message format with a public encryption key provided by the payment service provider based on hardware-based encryption to form an encrypted payment transaction in the payment message format;
- transforming, by the GNSS user device, using the generative artificial intelligence-based digital assistant, the encrypted payment transaction in the payment message format to a selected GNSS message format based on the foundation model to form an encrypted payment transaction in the selected GNSS message format;
- sending, using the generative artificial intelligence-based digital assistant, the payment transaction in the selected GNSS message format via a secure satellite communication link to the GNSS satellite to be transmitted to the payment system server corresponding to the payment service provider for processing of the payment transaction for the payee to increase security of the payment transaction by avoiding security threats to payment transactions that occur in Internet communications;
- and
- retraining, using the generative artificial intelligence-based digital assistant, the foundation model of the generative artificial intelligence-based digital assistant to prioritize the payment transaction utilizing updated training data that include instant payment execution statistics.
8 more elements
A computer program product for performing secure payment transactions comprising:
- one or more computer-readable storage media of a global navigation satellite system (GNSS) user device;
- and
- program instructions stored on the one or more computer-readable storage media to perform operations comprising:
- training a foundation model of a generative artificial intelligence-based digital assistant using historic payment transaction training data corresponding to a plurality of different payment service providers;
- receiving using the generative artificial intelligence-based digital assistant, an input from a payer corresponding to the GNSS user device to initiate a payment transaction in a payment message format from the payer to a payee via a GNSS protocol of a GNSS satellite to a payment system server corresponding to a payment service provider;
- encrypting, using the generative artificial intelligence-based digital assistant, the payment transaction in the payment message format with a public encryption key provided by the payment service provider based on hardware-based encryption to form an encrypted payment transaction in the payment message format;
- transforming, using the generative artificial intelligence-based digital assistant, the encrypted payment transaction in the payment message format to a selected GNSS message format based on the foundation model to form an encrypted payment transaction in the selected GNSS message format;
- sending, using the generative artificial intelligence-based digital assistant, the payment transaction in the selected GNSS message format via a secure satellite communication link to the GNSS satellite to be transmitted to the payment system server corresponding to the payment service provider for processing of the payment transaction for the payee to increase security of the payment transaction by avoiding security threats to payment transactions that occur in Internet communications;
- and
- retraining, using the generative artificial intelligence-based digital assistant, the foundation model of the generative artificial intelligence-based digital assistant to prioritize the payment transaction utilizing updated training data that include instant payment execution statistics.
7 more elements
Dependencies are inferred from the claim text.