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US 2016/0260084 A1Published application
Secure mobile remote payments
AssigneeMastercard International Incorporated
InventorsJonathan J. Main, Igor Fabyshev, Chintan Oza, Alan Wang
Life of this patent
Estimating the term…
Abstract
Provided are systems and methods for conducting secure remote transactions between mobile devices and merchants.
Claims15
A method for processing a checkout transaction, comprising:
- receiving, at a server, a request to initiate a checkout transaction;
- generating a request token including information identifying the checkout transaction;
- receiving a verification token encrypted with a key of the server;
- and
- providing checkout resources to a merchant for use by the merchant to complete the transaction if the verification token is validated by the server.
2 more elements
A method for operating a mobile device to conduct a transaction with a merchant, comprising:
- transmitting a transaction initiation request message to a merchant server associated with a mobile application of the mobile device;
- receiving, from the merchant server, a request token and, based at least in part on the request token, performing a cardholder validation method to validate a user of the mobile device;
- transmitting, to a wallet proxy server, a token associated with a payment device to be used in the transaction;
- receiving, from a wallet proxy server, an authorize checkout request message;
- validating the authorize checkout request message using a key shared with the wallet proxy server;
- and
- transmitting a checkout confirmation to the merchant server.
4 more elements
Dependencies are inferred from the claim text.