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SECURE MOBILE PAYMENT SYSTEM

  • US 20080319905A1
  • Filed: 06/24/2008
  • Published: 12/25/2008
  • Est. Priority Date: 06/25/2007
  • Status: Active Grant
First Claim
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1. A method of conducting a transaction comprising:

  • receiving a pseudo account identifier that corresponds to a consumer'"'"'s account identifier at a portable wireless device, wherein the pseudo account identifier was previously generated by a remote server computer and was previously sent over a first network; and

    providing the pseudo account identifier to an access device comprising a reader, wherein the reader thereafter sends an authorization request message comprising the pseudo account identifier to a payment processing network over a second network, wherein the consumer thereafter receives an authorization response message, wherein the authorization response message indicates if the transaction is approved or not approved.

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