Cross-border quick response (QR) payment flow for encrypted primary account number (PAN) payment flow

1. A computer-implemented system for streamlining encryption payload of a card transaction from a merchant inside a restricted computer network firewall comprising:

a payment processing server for processing payment transactions;

a wallet application for storing data of a payment device of a user for conducting a payment transaction;

a payment facilitator coupled between the payment processing server and the wallet application;

wherein the wallet application retrieves information of a merchant and a transaction via scanning a transaction code for initiating the payment transaction to the merchant;

in response to the retrieved information, wherein the wallet application generates an encrypted payload including at least the following data: data of the payment device, information of the merchant, and information of the payment transaction;

wherein the wallet application transmits the encrypted payload to the payment facilitator within the restricted computer network firewall;

wherein the payment facilitator decrypts the encrypted payload to form a decrypted payload;

after decryption of the encrypted payload, wherein the payment facilitator transmits the decrypted payload in one payment packet to the payment processing server outside the restricted computer network firewall; and

wherein the payment processing server transmits from outside the restricted computer network firewall to the merchant inside the restricted computer network firewall a notification of payment after the payment processing server validates the payment transaction.

2. The computer-implemented system of claim 1 , wherein the transaction code comprises a quick response (QR) code.

3. The computer-implemented system of claim 1 , wherein the wallet application transmits the encrypted payload via a URL formatted address.

4. The computer-implemented system of claim 1 , wherein the wallet application is configured to be installed on a mobile device of the user.

5. The computer-implemented system of claim 3 , wherein the restricted computer network firewall limits outbound transactions except for permitted URL sites and wherein the URL formatted address is one of the permitted URL sites.

6. A computer implemented system for streamlining encryption payload of a card transaction from a merchant inside a restricted computer network firewall comprising:

a payment processing server for processing payment transactions;

a wallet application for storing data of a payment device of a user for conducting a payment transaction;

a payment facilitator coupled between the payment processing server and the wallet application;

wherein the wallet application receives information of a merchant and a transaction after presenting a transaction code to be scanned by the merchant for initiating the payment transaction to the merchant;

in response to the received information, wherein the wallet application generates an encrypted payload including at least the following data:

data of the payment device, information of the merchant, and information of the payment transaction;

wherein the wallet application transmits the encrypted payload to a payment facilitator within the restricted computer network firewall;

wherein the payment facilitator decrypts the encrypted payload to form a decrypted payload;

after decryption of the encrypted payload, wherein the payment facilitator transmits the decrypted payload in one payment packet to the payment processing server outside the restricted computer network firewall; and

wherein the payment processing server transmits from outside the restricted computer network firewall to the merchant inside the restricted computer network firewall a notification of payment after the payment processing server validates the payment transaction.

7. The computer-implemented system of claim 6 , wherein the transaction code comprises a quick response (QR) code.

8. The computer-implemented system of claim 6 , wherein the wallet application transmits the encrypted payload via a URL formatted address.

9. The computer-implemented system of claim 6 , wherein the wallet application is configured to be installed on a mobile device of the user.

10. The computer-implemented system of claim 8 , wherein the restricted computer network firewall limits outbound transactions except for permitted URL sites and wherein the URL formatted address is one of the permitted URL sites.

11. A computer-implemented method for limiting a number of encrypted transaction data packet transmission between a merchant and a server comprising:

storing, by a wallet application, data of a payment device of a user for conducting a payment transaction;

obtaining, by the wallet application, information of a merchant and a transaction via obtaining a transaction code for initiating the payment transaction to the merchant;

in response to the obtained information, generating, by the wallet application, an encrypted payload including at least the following data:

data of the payment device, information of the merchant, and information of the payment transaction;

transmitting the encrypted payload to a payment facilitator within a restricted computer network firewall;

decrypting, by the payment facilitator, the encrypted payload to form a decrypted payload;

after decryption of the encrypted payload, transmitting the decrypted payload in one payment packet to a payment processing server outside the restricted computer network firewall; and

transmitting from outside the restricted computer network firewall to the merchant inside the restricted computer network firewall a notification of payment after the payment processing server validates the payment transaction.

12. The computer-implemented method of claim 11 , wherein the wallet application obtains information of the merchant and the transaction via scanning the transaction code via a camera for initiating the payment transaction to the merchant.

13. The computer-implemented method of claim 11 , wherein the wallet application obtains information of the merchant and the transaction after presenting the transaction code on a display to be scanned by the merchant for initiating the payment transaction to the merchant.

14. The computer-implemented method of claim 11 , wherein the transaction code comprises a quick response (QR) code.

15. The computer-implemented method of claim 11 , wherein the wallet application transmits the encrypted payload via a URL formatted address.

16. The computer-implemented method of claim 11 , wherein the wallet application is configured to be installed on a mobile device of the user.

17. The computer-implemented method of claim 15 , wherein the restricted computer network firewall limits outbound transactions except for permitted URL sites and wherein the URL formatted address is one of the permitted URL sites.