Blockchain based alias interaction processing

Patent metadata

Field	Value
Publication number	US-11095450-B2
Application number	US-201916245678-A
Country	US
Kind code	B2
Filing date	Jan 11, 2019
Priority date	Jan 12, 2018
Publication date	Aug 17, 2021
Grant date	Aug 17, 2021

Abstract

A blockchain based alias directory may be utilized. Encrypted lists of aliases may be stored on the blockchain and may be accessible to network computers and secure gateways. Embodiments are directed to secure gateways and user devices for accessing the alias directory stored in the blockchain during a financial transaction. The user device may be provided with a list of aliases from which a user may select a payment account. Upon selection the user may be redirected to an identity verification system of the associated payment network.

First claim

What is claimed is:

1. A method comprising:
receiving, by a secure gateway, a request message including an identifier and a request for a list of device aliases associated with a user from a resource provider computer;
retrieving, by the secure gateway, an encrypted list of device aliases from a blockchain, wherein the encrypted list of device aliases include at least one device alias associated with the identifier;
decrypting, by the secure gateway, the encrypted list of device aliases, resulting in a decrypted list of device aliases;
transmitting, by the secure gateway, the decrypted list of device aliases to a user device;
receiving, by the secure gateway, a selected device alias from the decrypted list of device aliases from the user device, the selected device alias being used to process a payment transaction initiated by the user;
transmitting, by the secure gateway, a request for access data associated with the selected device alias to a network computer;
receiving, by the secure gateway, access data from the network computer; and
transmitting, by the secure gateway, the access data to the resource provider computer or the user device.

2. The method of claim 1 , further comprising:
retrieving, by the secure gateway from the blockchain, a plurality of network addresses associated with a plurality of network computers, the plurality of network addresses include a network address for the network computer, and wherein transmitting the request for access data comprises transmitting to the network address of the network computer associated with the selected device alias.

3. The method of claim 2 , wherein the network computer addresses are in the form of active links.

4. The method of claim 1 , wherein the access data received from the network computer is encrypted.

5. The method of claim 1 , wherein the access data is data that can access a secure location.

6. The method of claim 1 , wherein the access data transmitted to the resource provider or the user device is unencrypted.

7. The method of claim 1 , wherein the identifier is an e-mail address or a phone number.

8. The method of claim 6 , wherein the blockchain stores a token reference identifier associated with the selected device alias.

9. A secure gateway comprising:
a processor;
a computer readable medium coupled to the processor and containing instructions for causing the processor to perform operations comprising:
receiving a request message including an identifier and a request for a list of device aliases associated with a user from a resource provider computer;
retrieving an encrypted list of device aliases from a blockchain, wherein the encrypted list of device aliases include at least one device alias associated with the identifier;
decrypting the encrypted list of device aliases, resulting in a decrypted list of device aliases;
transmitting the decrypted list of device aliases to a user device;
receiving a selected device alias from the decrypted list of device aliases from the user device, the selected device alias being used to process a payment transaction initiated by the user;
transmitting a request for access data associated with the selected device alias to a network computer;
receiving access data from the network computer; and
transmitting the access data to the resource provider computer or the user device.

10. The secure gateway of claim 9 , wherein the computer readable medium is further configured with instructions to cause the processor to perform operations comprising:
retrieving from the blockchain a plurality of network addresses associated with a plurality of network computers, the plurality of network addresses include a network address for the network computer, and wherein transmitting the request for access data comprises transmitting to the network address of the network computer associated with the selected device alias.

11. The secure gateway of claim 10 , wherein the network computer addresses are in the form of active links.

12. The secure gateway of claim 10 , wherein the access data received from the network computer is encrypted.

13. The secure gateway of claim 10 , wherein the access data is data that can access a secure location.

14. The secure gateway of claim 9 , wherein the network computer is in communication with a plurality of authorizing entity computers.

15. The secure gateway of claim 9 , wherein each device alias stored in the blockchain includes one or more of a token reference identifier, card art, and a card provider identifier.

16. The secure gateway of claim 15 , wherein the blockchain stores a token reference identifier associated with the selected device alias.

17. A user device comprising:
a processor,
a computer readable medium coupled to the processor and containing instructions for causing the processor to perform operations comprising:
providing an identifier to a resource provider computer to initiate a payment transaction initiated by a user;
receiving, from a blockchain, a list of device aliases associated with the identifier, wherein each device alias is associated with a network address of a network computer stored in the blockchain;
selecting a device alias of the list of device aliases; and
transmitting the selected device alias to the network computer using the network address, the selected device alias being used to process the payment transaction initiated by the user.

18. The user device of claim 17 , wherein each device alias stored in the blockchain includes one or more of a token reference identifier, card art for a card of the user, and a card provider identifier.

19. The user device of claim 17 , wherein the alias is a card alias.

Assignees

• Purves Thomas
• Visa Int Service Ass

Inventors

• Purves Thomas

Classifications

• G06Q20/401

  Transaction verification · CPC title

• H04L9/50 Primary

  using hash chains, e.g. blockchains or hash trees · CPC title

• H04L61/45

  Network directories; Name-to-address mapping · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• H04L9/3231

  Biological data, e.g. fingerprint, voice or retina (network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861) · CPC title