SYSTEMS AND METHODS FOR SECURE ONLINE TRANSACTION
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United States of America Patent
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Issued Date -
Nov 23, 2023
app pub date -
May 17, 2022
filing date -
May 17, 2022
priority date (Note) -
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status (Latency Note)
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Abstract
Systems and methods are disclosed for secure online transaction. The method includes receiving a plurality of transaction data associated with an authenticated registered user from a point of sale (POS) terminal. The plurality of transaction data is processed to identify sensitive information. The sensitive information is substituted with cryptographically generated tokens at a reader head of the POS terminal, wherein the tokens are randomly generated numbers, randomly generated character sequences, pseudorandom numbers, or a combination thereof. The cryptographically generated tokens are encrypted, via an encryption protocol, to generate encrypted tokens at the reader head of the POS terminal. The encrypted tokens are transmitted to one or more processing servers for data aggregation and payment settlement.
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