IP Library Granted Patent US 12705599
Granted Patent B2
US 12705599 · App. 18/118,847 · Granted Aug 11, 2026

Trusted QR code generation for financial transactions

Inventors: Sandeep Tharoor (Palakkad, IN); Premvir Singh (Greater Noida, IN); Punniyakotti Sabapathy (Cheyyar, IN)
Assignee: Visa International Service Association
G06Q20/3276G06Q20/38215G06Q20/3825G06Q20/3829G06Q20/4014G06Q2220/00
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Quick Facts
Patent No.
US 12705599
App. No.
18/118,847
Granted
Aug 11, 2026
Kind
B2
Abstract

In some embodiments, a computer-implemented method includes receiving, at an acquirer, a trust-verification-use-case-specific root certificate from a certificate authority of a payment processing network, the trust-verification-use-case-specific root certificate being associated with a trust verification use case; receiving an intermediate certificate from the certificate authority, the intermediate certificate being associated with the trust-verification-use-case-specific root certificate; generating, at the acquirer, a key pair for identity associated with an end-entity; signing the key pair for identity associated with the end-entity using the intermediate certificate; generating a digital certificate based upon the signing of the key pair for identity; generating a secure QR code utilizing the digital certificate, identify information associated with the end-entity, and an associated certificate chain; and providing the secure QR code to the end-entity for scanning by a user of a communication device to allow the user to provide financial compensation to the end-entity.

Claims (47)

1 . A computer-implemented method, comprising:

receiving, at an acquirer computer, a trust-verification-use-case-specific root certificate from a certificate authority of a payment processing network, the trust-verification-use-case-specific root certificate being associated with a trust verification use case;

installing, at the acquirer computer, the trust-verification-use-case-specific root certificate;

receiving, at the acquirer computer, an intermediate certificate from the certificate authority, the intermediate certificate being associated with the trust-verification-use-case-specific root certificate;

installing, at the acquirer computer, the intermediate certificate;

after installing the intermediate certificate, configuring, by the acquirer computer, the acquirer computer to use the intermediate certificate to communicate with the payment processing network by testing a network connection between the acquirer computer and the payment processing network and determining that the network connection is secure and functioning;

generating, at the acquirer computer, a key-pair-for-identity associated with an end-entity;

signing, at the acquirer computer, the key-pair-for-identity associated with the end-entity using the intermediate certificate;

generating, at the acquirer computer, a secure quick response (QR) code utilizing a digital certificate, identity information associated with the end-entity, and an associated certificate chain; and

providing the secure QR code to the end-entity for scanning by a camera of a mobile device of a user to allow the mobile device to communicate with the end-entity and allow the user to provide financial compensation to the end-entity.

2 . The computer-implemented method of claim 1 , further comprising:

generating, at the acquirer, a certificate signing request to sign the key-pair-for-identity.

3 . The computer-implemented method of claim 2 , further comprising:

signing the certificate signing request utilizing an intermediate certificate private key of the intermediate certificate.

4 . The computer-implemented method of claim 3 , wherein:

the key-pair-for-identity includes a public key and private key with identity information associated with the end-entity.

5 . The computer-implemented method of claim 4 , wherein:

the digital certificate includes the public key of the end-entity, identity information of the end-entity, and a digital signature.

6 . The computer-implemented method of claim 5 , wherein:

the associated certificate chain includes the trust-verification-use-case-specific root certificate and the intermediate certificate.

7 . The computer-implemented method of claim 6 , wherein:

the end-entity is a content provider.

8 . A system, comprising:

a processor; and

a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium including code that:

receives a trust-verification-use-case-specific root certificate from a certificate authority of a payment processing network, the trust-verification-use-case-specific root certificate being associated with a trust verification use case;

installs the trust-verification-use-case-specific root certificate;

receives an intermediate certificate from the certificate authority, the intermediate certificate being associated with the trust-verification-use-case-specific root certificate;

installs the intermediate certificate;

after installing the intermediate certificate, configures the processor to use the intermediate certificate to communicate with the payment processing network by testing a network connection between the processor and the payment processing network and determining that the network connection is secure and functioning;

generates a key-pair-for-identity associated with an end-entity;

signs the key-pair-for-identity associated with the end-entity using the intermediate certificate;

generates a secure quick response (QR) code utilizing a digital certificate;

identifies information associated with the end-entity, and an associated certificate chain using the secure QR code; and

provides the secure QR code to the end-entity for scanning by a camera of a mobile device of a user to allow the mobile device to communicate with the end-entity and allow the user to provide financial compensation to the end-entity.

9 . The system of claim 8 , wherein:

the code generates a certificate signing request to sign the key-pair-for-identity.

10 . The system of claim 9 , wherein:

the code utilizes an intermediate certificate private key of the intermediate certificate to sign the certificate signing request.

11 . The system of claim 10 , wherein:

the key-pair-for-identity includes a public key and private key with identity information associated with the end-entity.

12 . The system of claim 11 , wherein:

the digital certificate includes the public key of the end-entity, identity information of the end-entity, and a digital signature.

13 . The system of claim 12 , wherein:

the associated certificate chain includes the trust-verification-use-case-specific root certificate and the intermediate certificate.

14 . The system of claim 13 , wherein:

the end-entity is a content provider.