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Secure mobile payment system

  • US 10,043,178 B2
  • Filed: 05/29/2012
  • Issued: 08/07/2018
  • Est. Priority Date: 06/25/2007
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving, by a portable wireless phone, a selection of an account from a consumer;

    retrieving, automatically by the portable wireless phone, a pseudo account identifier associated with the selected account in response to receiving the selection of the account by;

    sending, by the portable wireless phone, a request for the pseudo account identifier associated with the selected account over a first network, the request including an account identifier for the selected account; and

    receiving, by the portable wireless phone, over the first network, the pseudo account identifier that corresponds to the account identifier associated with the selected account, the pseudo account identifier being generated by a server computer, wherein generation of the pseudo account identifier by the server computer and retrieval of the pseudo account identifier by the portable wireless phone is transparent to the consumer such that the consumer does not know the pseudo account identifier is received; and

    transmitting, by the portable wireless phone using a contactless transmitter, the pseudo account identifier to an access device comprising a contactless reader to conduct a transaction, wherein the access device thereafter sends an authorization request message comprising the pseudo account identifier to a payment processing network over a second network that is different than the first network, wherein the payment processing network converts the pseudo account identifier in the authorization request message back to the account identifier, wherein the payment processing network sends the authorization request message including the account identifier to an issuer associated with the account identifier, wherein the issuer generates an authorization response message and sends the authorization response message to the payment processing network, and wherein the access device thereafter receives the authorization response message indicating whether the transaction is approved or not approved.

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