Visa Inc.
PROXIMITY INTERACTION SYSTEM INCLUDING SECURE ENCRYPTION SCHEME

Abstract:

A method is disclosed for conducting a transaction between a computing device and an access device. A server computer may be utilized to facilitate data exchanges between the computing device and the access device. These data exchanges may utilize high-frequency sound signals. The server computer may encrypt at least some portion of data that is then transmitted to the access device via the computing device. The server computer may verify data received from the access device prior to generating and transmitting an authorization request message for the transaction.