Secure mobile transaction apparatus and method

A method for secure and fast transaction between a mobile device and a point-of-user-interaction apparatus, the method comprising:

• detecting or reading a communication target from the point-of-user-interaction apparatus near the mobile device;
• initiating a transmission of a command via a first application programmable interface to the point-of-user-interaction apparatus;
• reading a response from the point-of-user-interaction apparatus to issue a hyperlink via a second application programmable interface in response to the command;
• displaying an application based on the response from the point-of-user-interaction apparatus and/or the communication target, wherein the hyperlink is embedded in the communication target;
• receiving a first authentication information, a first identification, and a third identification from the point-of-user-interaction apparatus;
• transmitting the first authentication information to a computing device, wherein the computing device is to receive a second authentication information directly or indirectly from the point-of-user-interaction apparatus, wherein the computing device is to authenticate a transaction between the point-of-user-interaction apparatus and the mobile device via the first authentication information and the second authentication information, and wherein authenticating the transaction comprises the computing device generating a matcher token from the first identification to correlate the first authentication information with the second authentication information;
• and
• receiving a notification, from the computing device, of a valid transaction between the mobile device and the point-of-user-interaction apparatus after the computing device authenticates the transaction,
• wherein the first identification is dynamically generated for each transaction, wherein a second identification is used to identify the mobile device to the point-of-user-interaction apparatus, wherein the third identification is used to identify the point-of-user-interaction apparatus to the mobile device, wherein the first authentication information includes a first key and a second cryptographic token, wherein the second authentication information includes a second key and a first cryptographic token, wherein the method comprises transmitting the first key and the second cryptographic token to the computing device via the mobile device, wherein the point-of-user-interaction apparatus transmits the second key and the first cryptographic token to the computing device, and wherein authenticating the transaction comprises the computing device decoding the first cryptographic token with the first key and decoding the second cryptographic token with the second key to verify matching transaction identifiers.

A non-transitory machine-readable storage media having one or more machine-readable instructions stored therein, that when executed, cause one or more machines to perform a method for secure and fast transaction between a mobile device and a point-of-user-interaction apparatus, the method comprising:

• detecting or reading a communication target from the point-of-user-interaction apparatus near the mobile device;
• initiating a transmission of a command via a first application programmable interface to the point-of-user-interaction apparatus;
• reading a response from the point-of-user-interaction apparatus to issue a hyperlink via a second application programmable interface in response to the command;
• displaying an application based on the response from the point-of-user-interaction apparatus and/or the communication target, wherein the hyperlink is embedded in the communication target;
• receiving a first authentication information a first identification, and a third identification from the point-of-user-interaction apparatus;
• transmitting the first authentication information to a computing device, wherein the computing device is to receive a second authentication information directly or indirectly from the point-of-user-interaction apparatus, wherein the computing device is to authenticate a transaction between the point-of-user-interaction apparatus and the mobile device via the first authentication information and the second authentication information, and wherein the one or more machine-readable instructions cause generation of matcher tokens from the first identification for matching the first authentication information and second authentication information;
• and
• receiving a notification, from the computing device, of a valid transaction between the mobile device and the point-of-user-interaction apparatus after the computing device authenticates the transaction,
• wherein the first identification is dynamically generated for each transaction, wherein a second identification is used to identify the mobile device to the point-of-user-interaction apparatus, wherein the third identification is used to identify the point-of-user-interaction apparatus to the mobile device, wherein the first authentication information includes a first key and a second cryptographic token, wherein the second authentication information includes a second key and a first cryptographic token, wherein the one or more machine-readable instructions cause transmission of the first key and second cryptographic token via the mobile device while the second key and first cryptographic token are transmitted via the point-of-user-interaction apparatus, and wherein the one or more machine-readable instructions cause the computing device to decode the first cryptographic token using the first key and decode the second cryptographic token using the second key to verify matching transaction identifiers.