Secure Pairing for Payment Devices
AssigneeExtoLabs, LLC
InventorsTimothy Dorcey, Orang Dialameh
Life of this patent
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Abstract
At least one of a user-buyer device or a point of sale (POS) device having a UI (user interface) is configured with hardware, software, or algorithmic protocols, configurations, and safeguards that combat attempted unauthorized activity and theft by malicious attackers. Such configurations are in place to safeguard transactions between an authenticated buyer-user device and a POS device. Using digital certificates at one or both of the POS device or buyer device enables the other party to verify the other party and ensure that some malicious device has not intercepted communications or performed some man-in-the-middle attack.
Claims20
A user computing device, comprising:
- one or more processors;
- and
- one or more hardware-based memory devices having instructions which, when executed by the one or more processors, cause the sending computing device to:
- establish a connection with a point of sale (POS) device to initiate a transaction;
- transmit a public key to the POS device to initiate a verification process;
- verify a digital certificate associated with the POS device responsive to transmitting the public key;
- and
- upon verifying the POS device's digital certificate, authorize execution of the transaction.
One or more hardware-based memory devices storing computer-executable instructions which, when executed by one or more processors associated with a user computing device, cause the sending computing device to:
- establish a connection with a point of sale (POS) device to initiate a transaction;
- transmit a public key to the POS device to initiate a verification process;
- verify a digital certificate associated with the POS device responsive to transmitting the public key;
- and
- upon verifying the POS device's digital certificate, authorize execution of the transaction.
A method performed by a user computing device, comprising:
- establishing a connection with a point of sale (POS) device to initiate a transaction;
- transmitting a public key to the POS device to initiate an authentication process;
- upon the POS device authenticating the user device receiving a public key from the POS device for authentication purposes;
- verifying the received public key indicates the POS device is authenticated with a payment service provider;
- and
- upon verifying the POS device is authenticated with the payment service provider, authorizing execution of the transaction.
Dependencies are inferred from the claim text.