SYSTEMS AND METHODS FOR RANDOMIZED MOBILE PAYMENT

• US 20120116902A1
• Filed: 04/30/2009
• Published: 05/10/2012
• Est. Priority Date: 04/30/2009
• Status: Active Grant

• Current Assignee: Donald Michael Cardina, Lee P. Huggins
• Original Assignee: Donald Michael Cardina, Lee P. Huggins
• Inventors: Cardina, Donald Michael, Huggins, Lee P.
• Granted Patent: US 9,117,210 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

Systems and methods for improving security in mobile payment systems are described. A user device may be operated to request temporary account data for an account. No actual account number may be stored on the device. A remote system may correlate temporary account data to actual account data and transmit temporary account data to the user device, which use the data to make a purchase or generate a temporary account number than may be used to make a purchase. Temporary account data may be automatically erased or expire. A purchase authorization request may be sent by a merchant with temporary account data to a provider of temporary account data. The provider may transmit a request for purchase authorization using actual account data to a payment processor, sending a response to the merchant that does not include actual account data based on a response from the payment processor.

Claims

1. A system for providing a mobile payment, comprising:

a receiver configured to receive a request for a temporary account number from a user device;

a temporary account number generator configured to determine a personal account number based on the request, select a temporary account number from among a plurality of available temporary account numbers, and record a correlation of the temporary account number to the personal account number; and

a transmitter configured to transmit the temporary account number to the user device.

2. The system of claim 1, wherein the receiver is further configured to receive a plurality of temporary account numbers from an account issuer.

3. The system of claim 1, wherein the temporary account number generator is further configured to associate the temporary account number with an identifier of the user device.

4. The system of claim 3, wherein the temporary account number generator is further configured to generate the plurality of available temporary account numbers by determining one or more potential temporary account numbers from among a plurality of temporary account numbers that are not associated with the user device.

5. The system of claim 1, wherein the temporary account number generator is further configured to generate the plurality of available temporary account numbers by determining one or more potential temporary account numbers from among a plurality of temporary account numbers that have not been used as temporary account numbers for at least a predetermined amount of time.

6. The system of claim 1, wherein the temporary account number generator is further configured to determine an account from among a plurality of accounts associated with a user of the user device.

7. The system of claim 1, wherein the receiver is configured to receive the request for the temporary account number as at least one of a SMS message, a USSD message, an abbreviated dial code, and a control signal.

8. The system of claim 1, wherein the receiver is further configured to receive a first purchase authorization request comprising the temporary account number,

wherein a processor is configured to determine the personal account number based on the temporary account number and generate a second purchase authorization request comprising the personal account number, and

wherein the transmitter is further configured to transmit the a second purchase authorization request to a payment processor.

9. The system of claim 8, wherein the transmitter is further configured to transmit an email message to a user responsive to the receiver receiving a first purchase authorization request

10. A computer-readable storage medium comprising computer-readable instructions for requesting and providing a mobile payment, the computer-readable instructions comprising instructions for:

detecting a selection of a user account from among one or more user accounts on a user device, wherein no account numbers are associated with the one or more user accounts on the user device;

transmitting a request for a temporary account number comprising data associated with the user account;

receiving the temporary account number; and

transmitting the temporary account number to a point of sale device.

11. The computer-readable storage medium of claim 10, wherein each of the one or more user accounts is associated with an index number, and wherein the data associated with the user account comprises the index number associated with the user account.

12. The computer-readable storage medium of claim 10, further comprising instructions for automatically erasing the temporary account number after a predetermined amount of time.

13. The computer-readable storage medium of claim 10, further comprising instructions for presenting to a user on the user device an option to erase the temporary account number, and, responsive to detecting a selection of the option, erasing the temporary account number.

14. The computer-readable storage medium of claim 10, further comprising instructions for receiving temporary account data associated with the temporary account number.

15. The computer-readable storage medium of claim 14, further comprising instructions for presenting the temporary account data to user on a display.

16. The computer-readable storage medium of claim 10, wherein the instructions for detecting the selection of the user account from among one or more user accounts on the user device comprise instructions for:

responsive to detecting the selection of the user account, presenting a security query on the user device;

detecting a response to the security query; and

determining whether the response is sufficient.

17. The computer-readable storage medium of claim 16, wherein the security query is a request for a personal identification number.

18. The computer-readable storage medium of claim 10, further comprising instructions for downloading a list of user accounts onto the user device for selection.

19. The computer-readable storage medium of claim 10, further comprising instructions for storing a list of user accounts on the user device.

20. The computer-readable storage medium of claim 10, wherein the instructions for detecting the selection of the user account from among one or more user accounts on the user device comprise instructions for:

presenting a security query on the user device;

detecting a response to the security query;

determining that the response is sufficient;

responsive to determining that the response is sufficient, presenting a list of user accounts; and

detecting the selection of the user account from the list of user accounts.