GHOSTING PAYMENT ACCOUNT DATA IN A MOBILE TELEPHONE PAYMENT TRANSACTION SYSTEM
First Claim
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1. A computer implemented method for using a mobile telephone as a payment device, comprising:
- receiving a request to enroll a mobile telephone in a payment transaction system, wherein the request includes an indication of an identity of an individual enrolling the mobile telephone and the telephone number of the mobile telephone;
receiving one or more account numbers from the individual, wherein each account number corresponds to a payment account previously established by the individual;
generating a ghosted account name for each of the payment accounts; and
transmitting each ghosted account name to a payment application executing on the mobile phone, wherein the payment application, when executed on the mobile telephone, allows the individual to initiate a payment transaction using the mobile telephone as the payment device in order to incur a charge on a selected one of the payment accounts without revealing the account number associated with the selected payment account.
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Abstract
Techniques are disclosed for a mobile telephone, in conjunction with a payment transaction server, to be used directly as a payment device for a variety of financial transactions. Further, the transaction systems and methods for mobile telephone devices described herein allow a mobile telephone to participate in payment transactions in a manner that helps prevent identify theft and without relying on transferring amounts to/from one stored value account to another.
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Citations
21 Claims
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1. A computer implemented method for using a mobile telephone as a payment device, comprising:
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receiving a request to enroll a mobile telephone in a payment transaction system, wherein the request includes an indication of an identity of an individual enrolling the mobile telephone and the telephone number of the mobile telephone; receiving one or more account numbers from the individual, wherein each account number corresponds to a payment account previously established by the individual; generating a ghosted account name for each of the payment accounts; and transmitting each ghosted account name to a payment application executing on the mobile phone, wherein the payment application, when executed on the mobile telephone, allows the individual to initiate a payment transaction using the mobile telephone as the payment device in order to incur a charge on a selected one of the payment accounts without revealing the account number associated with the selected payment account. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-readable storage medium containing a program, which, when executed on a processor performs an operation for using a mobile telephone as a payment device, the operation comprising:
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receiving a request to enroll a mobile telephone in a payment transaction system, wherein the request includes an indication of an identity of an individual enrolling the mobile telephone and the telephone number of the mobile telephone; receiving one or more account numbers from the individual, wherein each account number corresponds to a payment account previously established by the individual; generating a ghosted account name for each of the payment accounts; and transmitting each ghosted account name to a payment application executing on the mobile phone, wherein the payment application, when executed on the mobile telephone, allows the individual to initiate a payment transaction using the mobile telephone as the payment device in order to incur a charge on a selected one of the payment accounts without revealing the account number associated with the selected payment account. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system, comprising:
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a processor; and a memory containing a transaction server, which when executed by the processor performs an operation for using a mobile telephone as a payment device, the operation comprising; receiving a request to enroll a mobile telephone in a payment transaction system, wherein the request includes an indication of an identity of an individual enrolling the mobile telephone and the telephone number of the mobile telephone, receiving one or more account numbers from the individual, wherein each account number corresponds to a payment account previously established by the individual, generating a ghosted account name for each of the payment accounts, and transmitting each ghosted account name to a payment application executing on the mobile phone, wherein the payment application, when executed on the mobile telephone, allows the individual to initiate a payment transaction using the mobile telephone as the payment device in order to incur a charge on a selected one of the payment accounts without revealing the account number associated with the selected payment account. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification