Systems and method for secure wireless payment transactions
AssigneeH2West Corporation
InventorRod Stambaugh
Life of this patent
Estimating the term…
Abstract
When purchasing an item or service, a user enters a PIN enter their mobile communication device and send the PIN, e.g., via text message to a payment authority. The payment authority authenticates the user using at least the PIN and the mobile communication device identifier associated with the user's mobile communication device. If the user is authenticated, then the payment authority will send a transaction code back to the user, which will be displayed on the user's mobile communication device. The user can then provide the transaction code to the merchant. The merchant can enter the transaction code into the Merchant's point of sale system and complete the transaction.
Claims32
A secure wireless payment transaction system comprises a payment authority, the payment authority configured to:
- receive a Personal Identification Number (PIN) in a message that is sent from a mobile communication device;
- receive a mobile communication device identifier identifying the mobile communication device with the message;
- and
- authenticate a transaction based on the PIN and the mobile communication device identifier;
- generate a transaction code if the transaction is authenticated;
- and
- return the transaction code to the mobile communication device.
A method for secure wireless transaction, comprising:
- receiving a Personal Identification Number (PIN) in a message that is sent from a mobile communication device;
- receiving a mobile communication device identifier identifying the mobile communication device with the message;
- and
- authenticating a transaction based on the PIN and the mobile communication device identifier;
- generating a transaction code if the transaction is authenticated;
- and
- returning the transaction code to the mobile communication device.
Dependencies are inferred from the claim text.