Secure Distributed Single Action Payment Authorization System

• US 20120143772A1
• Filed: 04/29/2011
• Published: 06/07/2012
• Est. Priority Date: 12/02/2010
• Status: Active Grant

• Current Assignee: AppMobi IPLC, Inc.
• Original Assignee: AppMobi IPLC, Inc.
• Inventors: Abadir, Essam Ernest
• Granted Patent: US 9,779,393 B2
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless network architectures or network communication protocols for wireless network security H04W12/00
• CPC Class Codes: H04L 9/321 involving a third party or a trusted authority
• CPC Class Codes: H04L 9/3234 involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853
• CPC Class Codes: H04W 12/06 Authentication

Abstract

Methods and systems for enabling and performing secured, single action payments from a mobile device are disclosed. One method includes transmitting user credentials from an application installed on a 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.

Claims

1. A method of enabling a single action payment for an item at a mobile device, the method comprising:

transmitting user credentials from an application installed on a 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.

2. The method of claim 1, wherein personal payment information includes information selected from a list consisting of:

credit card information;

checking account information;

online payment account information; and

carrier billing information.

3. The method of claim 2, wherein carrier billing information includes a user identifier and a carrier identifier.

4. The method of claim 3, wherein the user identifier includes an account number associated with the user by a carrier provider.

5. The method of claim 1, wherein receiving data at least partially defining encrypted personal payment information includes receiving the data from a second device separate from the mobile device.

6. The method of claim 1, further comprising receiving an action from a user at the mobile device, the action defining a user request to make a payment.

7. The method of claim 6, wherein the action comprises a single action representing the user request to make a payment.

8. The method of claim 6, further comprising, after receiving the action at the mobile device, transmitting information authorizing a payment to a carrier associated with the user as defined in the personal payment information, thereby authorizing the carrier to transact the payment.

9. The method of claim 8, wherein the carrier comprises a wireless service provider.

10. The method of claim 8, wherein transmitting information authorizing a payment to a carrier is performed at the mobile device.

11. The method of claim 8, wherein transmitting information authorizing a payment to a carrier is performed at a server.

12. A method of paying for an item, the method comprising:

receiving user credentials at an application installed on a mobile device;

transmitting the user credentials and a device identifier from the mobile device to a server;

obtaining data at least partially defining encrypted personal payment information;

receiving a request to make payment for an item, the request comprising a single action representing a user selection indicating a desire to make a payment;

based at least in part on the personal payment information, providing a plurality of options for payment to a user;

receiving a selection of a payment option from the user;

in response to the selection, initiating authorization of payment for the item.

13. The method of claim 12, wherein the encrypted personal payment information includes information selected from a list consisting of:

credit card information;

checking account information;

online payment account information; and

carrier billing information.

14. The method of claim 12, wherein the transaction information includes a payee and a payment amount.

15. The method of claim 12, wherein obtaining data at least partially defining encrypted personal payment information includes obtaining the data from a second device separate from the mobile device.

16. The method of claim 12, wherein initiating authorization of payment for the item includes transmitting encrypted personal payment information to the server.

17. The method of claim 12, wherein initiating authorization of payment for the item includes transmitting encrypted personal payment information to the server.17.

The method of claim 16, further comprising, at the server:

decrypting the personal payment information; and

transmitting the personal payment information to a payment authority based on the selected payment option, thereby initiating a payment transaction via the payment authority.

18. The method of claim 17, further comprising, at the server:

decrypting the personal payment information; and

transmitting the personal payment information to a carrier provider based on the selected payment option, thereby authorizing a payment transaction by the carrier provider on behalf of the user.

19. The method of claim 18, wherein the carrier provider is an entity selected from the group of entities consisting of:

a wireless service provider; and

a utility service provider.

20. The method of claim 18, further comprising, prior to receiving a request to make payment for an item, transmitting a validation message from the mobile device to a carrier provider, thereby authorizing carrier billing associated with the user.

21. The method of claim 12, wherein initiating authorization of payment for the item includes transmitting payment information to a carrier provider from the mobile device.

22. The method of claim 12, wherein initiating authorization of payment for the item includes transmitting payment information to a payment authority from the mobile device.

23. The method of claim 12, wherein obtaining data at least partially defining encrypted personal payment information includes receiving data from a server at least partially defining encrypted personal payment information.

24. The method of claim 12, wherein obtaining data at least partially defining encrypted personal payment information includes obtaining carrier provider information.

25. A secure distributed single-action payment system comprising:

a mobile device comprising;

a programmable circuit; and

a memory communicatively interconnected to the programmable circuit, the memory configured to store an application within which payments can be requested;

wherein the programmable circuit configured to execute program instructions stored in the memory which, when executed, cause the mobile device to;

transmit user credentials from the mobile device to a server alongside a device identifier;

save encrypted personal payment information in the memory in association with the application, the encrypted personal payment information including a user identifier and a carrier identifier; and

receive a request to make payment for an item, the request comprising a single action representing a user selection indicating a desire to make a payment; and

in response to the user selection, initiate authorization of payment for the item.

26. The system of claim 25, wherein the user identifier includes an account number associated with the user by a carrier provider.

27. The system of claim 25, further comprising, at the mobile device, after receiving the action at the mobile device, transmitting information authorizing a payment to a carrier associated with the user as defined in the personal payment information, thereby authorizing the carrier to transact the payment.

28. The system of claim 25, further comprising a server communicatively connected to the mobile device, the server configured to execute program instructions which, when executed, cause the server to authorize payment for the item by a carrier provider based on information received from the mobile device.