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US 2023/0274240 A1Published application
Transaction signing utilizing asymmetric cryptography
AssigneeVisa International Service Association
InventorsAdam Clark, Kim Wagner
Life of this patent
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Abstract
Embodiments relate to systems, apparatuses, and methods for performing transaction signing utilizing asymmetric cryptography and a private ledger. A transaction data is signed by a user device using a private key, and may be utilized in an authorization request message without including a real credential of the user. A transaction verification and accounting module (TVAM) can verify the signed transaction data and can continue processing the transaction.
Claims16
A method comprising:
- providing, by an access device, transaction data to a user device of a user, wherein the user device signs the transaction data;
- receiving, by the access device, signed transaction data and a public key of the user from the user device;
- and
- transmitting, by the access device, an authorization request message including the signed transaction data and the public key of the user.
1 more element
An access device comprising:
- a processor;
- and
- a computer readable medium, the computer readable medium comprising code, executable by the processor to implement a method comprising:
- providing transaction data to a user device of a user, wherein the user device signs the transaction data;
- receiving signed transaction data and a public key of the user from the user device;
- and
- transmitting an authorization request message including the signed transaction data and the public key of the user.
4 more elements
Dependencies are inferred from the claim text.