EFFICIENT AND SECURE DATA TRANSFER SYSTEM AND PROCEDURES
DE602022039717T2Active Publication Date: 2026-07-08VISA INTERNATIONAL SERVICE ASSOCIATION
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Patent Information
- Application Number
- DE602022039717
- Authority / Receiving Office
- DE · DE
- Patent Type
- Patents
- Current Assignee / Owner
- Priority Date
- 2021-10-13
- Filing Date
- 2022-09-23
- Publication Date
- 2026-07-08
- Estimated Expiration
- 2042-09-23
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.
✦ Generated by Eureka AI based on patent content.
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