Secure Distributed Single Action Payment System
First Claim
1. A method of enabling a single action payment for an item at a mobile device, the method comprising:
- receiving user credentials at an application installed on a mobile device;
transmitting the user credentials from the mobile device to a server alongside a device identifier;
receiving data at least partially defining encrypted personal payment information;
saving the encrypted personal payment information in a memory of the mobile device in association with the application;
wherein at least prior to receiving a user request to make a payment via the application, the mobile device lacks a decryption key capable of decrypting the encrypted personal payment information.
3 Assignments
0 Petitions
Accused Products
Abstract
Methods and systems for enabling and performing secured, single action payments from a mobile device are disclosed. One method includes receiving user credentials at an application installed on a mobile device, and transmitting the user credentials from the mobile device to a server alongside a device identifier. The method includes receiving data at least partially defining encrypted personal payment information and saving the encrypted personal payment information in a memory of the mobile device in association with the application. At least prior to receiving a user request to make a payment via the application, the mobile device lacks a decryption key capable of decrypting the encrypted personal payment information.
256 Citations
23 Claims
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1. A method of enabling a single action payment for an item at a mobile device, the method comprising:
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receiving user credentials at an application installed on a mobile device; transmitting the user credentials from the mobile device to a server alongside a device identifier; receiving data at least partially defining encrypted personal payment information; saving the encrypted personal payment information in a memory of the mobile device in association with the application; wherein at least prior to receiving a user request to make a payment via the application, the mobile device lacks a decryption key capable of decrypting the encrypted personal payment information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method of enabling a single action payment for an item at a server communicatively connected to a mobile device, the method comprising:
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receiving at the server a set of user credentials and a device identifier associated with the mobile device from an application on the mobile device; transmitting data from a server at least partially defining encrypted personal payment information; and cooperating with the mobile device to decrypt the encrypted personal payment information, wherein the decrypted personal payment information is useable to initiate a payment transaction. - View Dependent Claims (15, 16, 17, 18, 19)
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20. A method of paying for an item, the method comprising:
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receiving user credentials at an application installed on a mobile device; transmitting the user credentials from the mobile device to a server; receiving data from a server at least partially defining encrypted personal payment information; receiving a request to make payment for an item; transmitting encrypted personal payment information to the server; decrypting the personal payment information at the server; and transmitting the personal payment information from the server to a payment authority, thereby initiating a payment transaction.
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21. A secure distributed single-action payment system comprising:
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a mobile device comprising a programmable circuit and a memory, the memory configured to store an application within which payments can be requested, the programmable circuit configured to execute program instructions which, when executed, cause the mobile device to; receive user credentials at an application installed in the memory of the mobile device; transmit the user credentials from the mobile device to a server alongside a device identifier; and save encrypted personal payment information in the memory in association with the application; and a server communicatively connected to the mobile device, the server configured to execute program instructions which, when executed, cause the server to transmit data at least partially defining the encrypted personal payment information; wherein at least prior to receiving a user request to make a payment via the application, the mobile device lacks a decryption key capable of decrypting the encrypted personal payment information. - View Dependent Claims (22, 23)
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Specification