SYSTEMS AND METHOD FOR SECURE WIRELESS PAYMENT TRANSACTIONS
First Claim
1. A secure wireless payment transaction system comprises a payment authority, the payment authority configured to:
- receive a Personal Identification Number (PIN) in a message that is sent from a mobile communication device;
receive a mobile communication device identifier identifying the mobile communication device with the message; and
authenticate a transaction based on the PIN and the mobile communication device identifier;
generate a transaction code if the transaction is authenticated; and
return the transaction code to the mobile communication device.
3 Assignments
0 Petitions
Accused Products
Abstract
When purchasing an item or service, a user enters a PIN enter their mobile communication device and send the PIN, e.g., via text message to a payment authority. The payment authority authenticates the user using at least the PIN and the mobile communication device identifier associated with the user'"'"'s mobile communication device. If the user is authenticated, then the payment authority will send a transaction code back to the user, which will be displayed on the user'"'"'s mobile communication device. The user can then provide the transaction code to the merchant. The merchant can enter the transaction code into the Merchant'"'"'s point of sale system and complete the transaction.
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Citations
32 Claims
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1. A secure wireless payment transaction system comprises a payment authority, the payment authority configured to:
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receive a Personal Identification Number (PIN) in a message that is sent from a mobile communication device;
receive a mobile communication device identifier identifying the mobile communication device with the message; and
authenticate a transaction based on the PIN and the mobile communication device identifier;
generate a transaction code if the transaction is authenticated; and
return the transaction code to the mobile communication device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A method for secure wireless transaction, comprising:
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receiving a Personal Identification Number (PIN) in a message that is sent from a mobile communication device;
receiving a mobile communication device identifier identifying the mobile communication device with the message; and
authenticating a transaction based on the PIN and the mobile communication device identifier;
generating a transaction code if the transaction is authenticated; and
returning the transaction code to the mobile communication device. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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Specification