Secure remote payment transaction processing including consumer authentication

A system helps secure online payments by having a central server receive encrypted payment details from your phone. This server decrypts the information, checks with your bank for approval, then re-encrypts it before sending it to the payment processor to complete the transaction. The claims specifically detail how this server manages multiple encryption steps using different keys and interacts with authentication systems.

Why it matters: Since 2014, the demand for secure mobile payments has surged, alongside stricter regulations for strong customer authentication. This architecture's multi-key encryption and intermediary authentication align with modern tokenization and secure payment gateway standards, now more feasible with mature cloud infrastructure.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedSoftware logic, payment network integration, encryption keys.

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