US 2014/0279552 A1 · VIRTUALIZATION AND SECURE PROCESSING OF DATA

Abstract

Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements. Information associated with particular payment means, such as accounts or payment tokens, can be stored, for example, in a data set, usually secure, sometimes referred to as a virtual or electronic wallet, or a secure payment token.

Claims30

Dependent claims

A transaction communication device comprising:

at least one network communication system;
at least one data processor;
and
at least one persistent memory device, the at least one persistent memory device comprising data representing at least:
at least one identifier associated with at least one authorized user of at least one transaction payment account;
at least one identifier associated with the transaction communication device;
and
an identifier associated with the at least one transaction payment account;
a machine-executable coded instruction set configured to cause the at least one data processor to:
access the persistent memory device and generate a transaction request data set, the transaction data set comprising at least:
the at least one identifier associated with at least one authorized user of at least one transaction payment account;
the at least one identifier associated with the transaction communication device;
and
the identifier associated with the at least one transaction payment account;
and to
route the generated transaction data request to a transaction adjudication server, using the network communication system.

13 more elements

A server for adjudicating electronically-coded transaction requests, comprising one or more non-transient machine-executable coded instructions configured to cause the server to:

access a transaction request data set generated by a networked purchaser communication device, the transaction request data set comprising machine-interpretable data representing at least:
at least one identifier associated with at least one authorized user of at least one transaction payment account;
at least one identifier associated with the networked purchaser communication device;
and
an identifier associated with the at least one transaction payment account;
data representing a transaction amount;
and
data representing a transaction authorization routing address;
determine that:
the received identifier associated with an authorized user of the transaction payment account corresponds to at least one authorized user associated with the transaction authorization data set;
and
the received identifier associated with a purchaser communication device corresponds to at least one purchaser communication device associated with the transaction authorization data set;
determine that an amount of funds associated with the identified transaction payment account is sufficient to cover the transaction amount;
and
conditioned on said determinations, generate an transaction authorization data set;
and
route the transaction authorization data set to the transaction authorization routing address.

14 more elements

Dependencies are inferred from the claim text.

Virtualization and secure processing of data

Life of this patent

Virtualization and secure processing of data

Life of this patent

Abstract

Claims30