Virtualization and secure processing of data
Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements. Information associated with particular payment means, such as accounts or payment tokens, can be stored, for example, in a data set, usually secure, sometimes referred to as a virtual or electronic wallet, or a secure payment token.
1. A network communication device comprising:
at least one network communication system;
at least one data processor; and
at least one persistent memory device, the at least one persistent memory device comprising stored data representing at least: at least one secure identification token, the at least one secure identification token comprising data associated with the network communication device, a user of the network communication device, and an account identifier associated with the user of the network communication device; and
one or more sets of machine-interpretable instructions;
the at least one data processor adapted, by execution of the one or more sets of stored, machine-interpretable instructions, to:
receive transaction data from a merchant point-of-sale device;
in accordance with an instruction received by the network communication device, configure the at least one secure identification token to comprise the transaction data; and
using the network communication system;
route the configured identification token to a transaction adjudication device; and
receive a secure payment token from the transaction adjudication device, the secure payment token comprising data associated with an authorized payment amount and a financial service provider by which the authorized payment amount was authorized; and
send the secure payment token to the merchant point-of-sale device.
2. The network communication device of claim 1 , wherein the data associated with an authorized payment amount represents an authorized transaction amount.
3. The network communication device of claim 1 , wherein the data associated with an authorized payment amount represents a resource locator that can be used by the transaction adjudication device to access data representing an authorized transaction value.
4. The network communication device of claim 3 , wherein the resource locator is associated with memory of a server of the financial services provider that authorized the authorized payment amount.
5. The network communication device of claim 3 , wherein the resource locator is associated with a transaction adjudication server of the transaction adjudication device.
6. The network communication device of claim 3 , wherein the instruction is generated by a user of an input device of the network communication device.
7. A method of processing an electronic payment transaction, the method performed by a network communication device comprising:
at least one network communication system;
at least one data processor; and
at least one persistent memory device, the at least one persistent memory device comprising stored data representing at least:
at least one secure identification token, the at least one secure identification token comprising data associated with the network communication device, a user of the network communication device, and an account identifier associated with the user of the network communication device; and
one or more sets of machine-interpretable instructions;
the method comprising:
receiving transaction data from a merchant point-of-sale device;
in accordance with an instruction received by the network communication device, configuring the at least one identification token to comprise the transaction data;
using the network communication system;
routing the configured identification token to a transaction adjudication device; and
receiving a secure payment token from the transaction adjudication device, the secure payment token comprising data associated with an authorized payment amount and a financial service provider by which the authorized payment amount was authorized; and
sending the secure payment token to the merchant point-of-sale device.
8. The method of claim 7 , wherein the configured identification token is routed by the at least one data processor to the transaction adjudication device at a time when communications between the network communication device and the financial service provider by which the authorized payment amount was authorized are not available.
9. The method of claim 7 , wherein the instruction is generated by an input device of the network communication device.
10. The method of claim 7 , comprising:
causing the network communication device to receive from the transaction adjudication device data representing confirmation of completion of a transaction associated with the secure payment token; and
conditioned upon receipt of the signals representing confirmation, decrement the authorized payment amount stored in the at least one persistent memory device by an amount at least equal to a purchase amount associated with the transaction.
11. The method of claim 7 , comprising:
routing to the same or another transaction adjudication device the same or another secure identification token comprising data representing the decremented authorized payment account.