METHOD AND SYSTEM FOR PROTECTED COMMUNICATION OF REMOTE NOTIFICATION SERVICE MESSAGES TO MOBILE DEVICES WITHOUT PROTECTED ELEMENTS Russian patent published in 2018 - IPC H04W12/08 

FIELD: data processing.

SUBSTANCE: invention relates to the technique of conducting payment transactions using mobile devices that do not have secure elements. Method for receiving and processing a data message includes: receiving, by a data message receiving device, wherein the data message includes an encrypted message and a message authentication code, wherein the message authentication code is generated using at least a portion of the encrypted message; generating, by the authentication code processing apparatus, the authentication using at least a portion of the encrypted message included in the received data message; validating by the processing device of the received data message based on verification of the message authentication code included in the received data message with respect to the generated authentication reference code and decrypting by means of the device for processing the encrypted message included in the received data message to receive the decrypted message.

EFFECT: increase of secrecy.

26 cl, 18 dwg