Secure mobile-based financial transactions
AssigneeAT&T Mobility II LLC
InventorSpencer Neil White
Life of this patent
Estimating the term…
Abstract
Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a payment server via a point-of-sale device to conduct a transaction. The mobile communications device uses a client payment logic to send payment information to the point-of-sale device. The point-of-sale device uses a vendor payment logic to forward the payment information to the payment server. The payment server verifies the payment information and sends confirmation to the point-of-sale device.
Claims20
A mobile communications device comprising:
- a processor;
- and
- a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprising
- receiving, from a point-of-sale device, a one-time digital key and an amount associated with a transaction,
- generating a random number,
- generating a payment number by combining the one-time digital key with the random number, wherein combining the one-time digital key with the random number comprises mixing numbers of the one-time digital key with numbers of the random number,
- sending, to a payment server, a payment comprising the payment number and the amount, and
- receiving, from the point-of-sale device, an acknowledgment of the payment, wherein the amount associated with the payment is deducted from an account associated with the mobile communications device.
A memory storing instructions that, when executed by a processor of a mobile communications device, cause the processor to perform operations comprising:
- receiving, from a point-of-sale device, a one-time digital key and an amount associated with a transaction;
- generating a random number;
- generating a payment number by combining the one-time digital key with the random number, wherein combining the one-time digital key with the random number comprises mixing numbers of the one-time digital key with numbers of the random number;
- sending, to a payment server, a payment comprising the payment number and the amount;
- and
- receiving, from the point-of-sale device, an acknowledgment of the payment, wherein the amount associated with the payment is deducted from an account associated with the mobile communications device.
A method comprising:
- receiving, at a mobile communications device, from a point-of-sale device, a one-time digital key and an amount associated with a transaction;
- generating, by the mobile communications device, a random number;
- generating, by the mobile communications device, a payment number by combining the one-time digital key with the random number, wherein combining the one-time digital key with the random number comprises mixing numbers of the one-time digital key with numbers of the random number;
- sending, by the mobile communications device, to a payment server, a payment comprising the payment number and the amount;
- and
- receiving, by the mobile communications device, from the point-of-sale device, an acknowledgment of the payment, wherein the amount associated with the payment is deducted from an account associated with the mobile communications device.
Dependencies are inferred from the claim text.