China UnionPay Digital Payment Processing Method and Apparatus
Summary
China UnionPay Co., Ltd. has filed patent application US20260111893A1 for a digital payment processing method and apparatus. The invention involves a payment routing gateway device that receives digital seals and order key element signatures from a payment information service provider platform, verifies transaction elements, and processes digital payments using encrypted static account data. The application was filed on November 9, 2023, and published on April 23, 2026.
“Disclosed are a digital payment processing method and apparatus, and a device, a system and a medium.”
About this source
GovPing monitors USPTO Patent Applications - Business Methods (G06Q) for new banking & finance regulatory changes. Every update since tracking began is archived, classified, and available as free RSS or email alerts — 33 changes logged to date.
What changed
China UnionPay has filed a patent application for a digital payment processing method and apparatus involving a payment routing gateway. The system receives digital seals and order key element signatures from a payment information service provider platform, where digital credentials generated by a separate digital credential platform contain static account data ciphertext and account carrier information. The payment gateway verifies the digital seal and order key element signature to obtain a transaction element signature for processing digital payments.
For compliance and legal professionals, this patent publication represents a potential intellectual property consideration for firms developing digital payment routing, digital credential, or electronic signature verification systems. While patent applications do not create immediate compliance obligations, companies in the payments technology space should monitor this application as it could signal China UnionPay's strategic direction in digital payment infrastructure if granted.
Archived snapshot
Apr 25, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
DIGITAL PAYMENT PROCESSING METHOD AND APPARATUS, AND DEVICE, SYSTEM AND MEDIUM
Application US20260111893A1 Kind: A1 Apr 23, 2026
Assignee
CHINA UNIONPAY CO., LTD.
Inventors
Ranzhi TAO, Rongdong XIE
Abstract
The present application belongs to the field of new generation of information technology. Disclosed are a digital payment processing method and apparatus, and a device, a system and a medium. The method comprises: by means of a payment routing gateway device, receiving a digital seal and an order key element signature, which are sent by a payment information service provider service platform, wherein the digital seal and the order key element signature are generated by the payment information service provider service platform according to order information and a digital credential, the digital credential is generated by a digital credential platform and comprises static account data ciphertext and account carrier information, and the static account data ciphertext is obtained by performing encryption according to static account data; verifying the digital seal and the order key element signature to obtain a transaction element signature.
CPC Classifications
G06Q 20/401 G06Q 20/36 G06Q 20/3821 G06Q 20/3825 H04L 9/0825 H04L 9/0861 H04L 9/0891 G06Q 2220/00
Filing Date
2023-11-09
Application No.
19121638
Parties
Related changes
Get daily alerts for USPTO Patent Applications - Business Methods (G06Q)
Daily digest delivered to your inbox.
Free. Unsubscribe anytime.
Source
About this page
Every important government, regulator, and court update from around the world. One place. Real-time. Free. Our mission
Source document text, dates, docket IDs, and authority are extracted directly from USPTO.
The summary, classification, recommended actions, deadlines, and penalty information are AI-generated from the original text and may contain errors. Always verify against the source document.
Classification
Who this affects
Taxonomy
Browse Categories
Get alerts for this source
We'll email you when USPTO Patent Applications - Business Methods (G06Q) publishes new changes.
Subscribed!
Optional. Filters your digest to exactly the updates that matter to you.