TRUSTED, SECURE, AND DEFERRED REAL-TIME PAYMENTS IN A REAL-TIME PAYMENT NETWORK
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United States of America Patent
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Issued Date -
Feb 9, 2023
app pub date -
Jul 20, 2022
filing date -
Jul 20, 2022
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Abstract
The disclosure relates to a deferred real-time payment (RTP) in a trusted and secure system environment to pay for a deferred fulfillment order. The deferred fulfillment order includes products or services that may be fulfilled in part or in full after authorization of the deferred RTP. To facilitate trust and security, a deferred payment system may digitally sign certificates issued to various entities in the system environment. Devices in the system environment may transmit and receive messages to create and later settle deferred RTPs that are trusted based on authentication of the digitally signed certificates, which mitigate against security threats such as man-in-the-middle attacks in a communication network.
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