EFFICIENT AND SECURE DATA TRANSFER SYSTEM AND PROCEDURES

DE602022039717T2Active Publication Date: 2026-07-08VISA INTERNATIONAL SERVICE ASSOCIATION

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Patent Information

Authority / Receiving Office: DE · DE
Patent Type: Patents
Current Assignee / Owner: VISA INTERNATIONAL SERVICE ASSOCIATION
Filing Date: 2022-09-23
Publication Date: 2026-07-08

AI Technical Summary

Technical Problem

Existing systems face inefficiencies and delays in retrieving payment credentials or tokens from a processing computer, especially when the connection with the authorizing entity is poor, leading to failed transactions.

Method used

A processing computer encrypts and stores user credentials securely, generating a user profile with obscured credentials and tokens, allowing direct access and processing without needing real-time communication with the authorizing entity, reducing complexity and enhancing security.

Benefits of technology

This approach speeds up transaction processing by eliminating the need for real-time credential retrieval, enhances security by not persistently storing sensitive data, and reduces vulnerability to hacking.

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