Secure proximity exchange of payment information between mobile wallet and point-of-sale

A system for processing payment, comprising:

• a point-of-sale (POS) device;
• an adjacent POS device in proximity to the POS device;
• a mobile device of a consumer;
• and
• a certification authority interfacing with the POS device and configured to:
• providing a certificate data item to the POS device, wherein the certificate data item identifies the POS device for completing a purchase by the consumer,
• wherein the POS device is configured to:
• submit, to the certification authority, a certificate request for the certificate data item, wherein the certificate request comprises a visual attribute of the POS device that is embedded in the certificate data item by the certification authority,
• obtain, in response to the certificate request and from the certification authority, the certificate data item,
• generate a payment request for the payment to complete the purchase, wherein the payment request comprises the certificate data item,
• broadcast, without associating to any specific recipient, the payment request via a wireless signal within a pre-determined range of the POS device,
• receive, in response to broadcasting the request, an encrypted payment credential from the mobile device of the consumer, and
• decrypt the encrypted payment credential based on the certificate data item to retrieve a payment credential for processing the payment,
• wherein the adjacent POS device is configured to:
• further broadcast, contemporaneously with the POS device broadcasting the payment request, an unintended payment request, and
• wherein the mobile device of the consumer is configured to:
• store the payment credential of the consumer,
• receive, from the POS device and via the wireless signal, the payment request for the payment,
• extract, in response to receiving the payment request, the visual attribute from the payment request for displaying to the consumer,
• generate, in response to the payment request, the encrypted payment credential by encrypting the payment credential based on the certificate data item, and
• send the encrypted payment credential to the POS device,
• wherein the consumer selects the POS device to submit the encrypted payment credential in response to viewing the visual attribute,
• wherein the mobile device displays, to the consumer, the visual attribute to prevent the consumer from selecting the adjacent POS to submit the encrypted payment credential.

A non-transitory computer readable medium storing instructions for processing payment, the instructions, when executed by a computer processor, comprising functionality for:

• submitting, by a point-of-sale (POS) device to a certification authority, a certificate request for a certificate data item that identifies the POS device for completing a purchase by a consumer, wherein the certificate request comprises a visual attribute of the POS device that is embedded in the certificate data item by the certification authority;
• obtaining, in response to the certificate request and by the POS device from the certification authority, the certificate data item;
• generating, by the POS device, a payment request for the payment to complete the purchase, wherein the payment request comprises the certificate data item;
• broadcasting, by the POS device without associating to any specific recipient, the payment request via a wireless signal within a pre-determined range of the POS device, wherein the payment request is received by a mobile device of the consumer via the wireless signal, wherein the mobile device stores payment credential of the consumer,
• wherein the mobile device extracts the visual attribute from the payment request for displaying to the consumer;
• receiving, by the POS device in response to the broadcasting, an encrypted payment credential from the mobile device of the consumer, wherein the encrypted payment credential is generated by the mobile device encrypting the payment credential based on the certificate data item, wherein the consumer selects the POS device to submit the encrypted payment credential in response to viewing the visual attribute;
• decrypting the encrypted payment credential based on the certificate data item to retrieve the payment credential for processing the payment;
• and
• further broadcasting, contemporaneously with the POS device broadcasting the payment request, an unintended payment request by an adjacent POS device in proximity to the POS device,
• wherein the mobile device displays, to the consumer, the visual attribute to prevent the consumer from selecting the adjacent POS to submit the encrypted payment credential.