SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS

• US 20120203693A1
• Filed: 02/10/2011
• Published: 08/09/2012
• Est. Priority Date: 02/09/2011
• Status: Abandoned Application

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Morgan, Robert E., Seth, Hitesh
• Application Number:
  US13/024,962
• Publication Number:
  US 20120203693A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: H04L 2463/082 applying multi-factor authentication cryptographic mechanisms or cryptographic arrangements including means for verifying the identity or authority of a user of the system or for message authentication H04L9/32
• CPC Class Codes: H04L 61/457 containing identifiers of data entities on a computer, e.g. file names
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications

Abstract

A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and/or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.

Claims

1. A method comprising:

acquiring, by a mobile device for secure transactions, encoded data;

transmitting, by the mobile device, an authorization request, wherein the authorization request includes data based upon the encoded data, wherein the authorization request selects one of a first transaction account and a second transaction account, and wherein both of the first transaction account and the second transaction account are paired to a mobile device.

2. The method of claim 1, further comprising receiving, by the mobile device, an authorization response.

3. The method of claim 1, wherein the encoded data comprises data encoded in a quick response (QR) code.

4. The method of claim 1, wherein the encoded data comprises data encoded on a radio frequency (RF) carrier frequency.

5. The method of claim 1, wherein the encoded data is encrypted.

6. The method of claim 1, further comprising displaying, by the mobile device, a digital receipt.

7. The method of claim 5, wherein the digital receipt is encoded.

8. The method of claim 1, further comprising transmitting, by the mobile device, an authorization response to a merchant.

9. The method of claim 1, wherein acquiring encoded data comprises taking a digital photograph of the encoded data.

10. The method of claim 1, wherein the encoded data is displayed in association with a travel itinerary.

11. The method of claim 10, further comprising suggesting, by the mobile device, a merchant based upon the encoded data.

12. The method of claim 1, wherein the encoded data is displayed in association with a billing statement.

13. The method of claim 12, further comprising automatically generating, by the mobile device, a payment query associated with the billing statement.

14. The method of claim 1, wherein the encoded data is displayed in association with a taxi driver.

15. The method of claim 14, wherein the taxi driver receives an authorization response by way of the taxi driver'"'"'s mobile device.

16. The method of claim 1, wherein the authorization request selects one of the first transaction account and the second transaction account based upon an input to the mobile device.

17. The method of claim 1, further comprising authenticating, by the mobile device, a user to the mobile device prior to authorizing the authorization request.

18. The method of claim 1, further comprising authenticating, by the mobile device, the mobile device to the transaction account prior to authorizing the authorization request.

19. An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a computer-based system for secure transactions, cause the computer-based system to perform operations comprising:

acquiring, by the computer-based system, encoded data;

transmitting, by the computer-based system, an authorization request, wherein the authorization request includes data based upon the encoded data, wherein the authorization request selects one of a first transaction account and a second transaction account, and wherein both of the first transaction account and the second transaction account are paired to the computer-based system.

20. A system comprising:

a tangible, non-transitory memory communicating with a processor for secure transactions,

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising;

acquiring, by the processor, encoded data;

transmitting, by the processor, an authorization request, wherein the authorization request includes data based upon the encoded data, wherein the authorization request selects one of a first transaction account and a second transaction account, and wherein both of the first transaction account and the second transaction account are paired to a mobile device associated with the processor.