SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS

• US 20120203696A1
• 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:
  US13/024,541
• Publication Number:
  US 20120203696A1
• Time in Patent Office: Days
• US Class Current: 705/44
• 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:

receiving, by a computer-based system for secure transactions, an identifier associated with a mobile device;

authenticating, by the computer-based system, a user of the mobile device to a transaction account;

pairing, by the computer-based system, the mobile device to the transaction account based upon the identifier.

2. The method of claim 1, wherein the identifier is an electronic serial number (ESN).

3. The method of claim 1, further comprising transmitting, by the computer-based system, an application to the mobile device that enables at least one of:

authentication of the mobile device to the transaction account and authentication of the user of the mobile device to the transaction account.

4. The method of claim 1, further comprising authenticating, by computer-based system, the user of the mobile device to the mobile device prior to pairing the mobile device to the transaction account.

5. The method of claim 1, further comprising receiving, by the computer-based system, an authorization request from the mobile device, wherein the authorization request includes data that is based upon a quick response (QR) code, and wherein the mobile device acquires the QR code.

6. The method of claim 5, further comprising authenticating, by the computer-based system, the user of the mobile device to the mobile device prior to authorizing the authorization request.

7. The method of claim 5, further comprising authorizing, by the computer-based system, the authorization request based upon the transaction account that is paired to the mobile device.

8. The method of claim 5, further comprising authenticating, by the computer-based system, the mobile device to the transaction account prior to authorizing the authorization request.

9. The method of claim 5, further comprising transmitting, by the computer-based system, an authorization response to the mobile device.

10. The method of claim 5, further comprising transmitting, by the computer-based system, an authorization response to an email address associated with the user of the mobile device.

11. The method of claim 1, further comprising authenticating, by the computer-based system, the user of the mobile device to a second transaction account and pairing the mobile device to the second transaction account based upon the identifier.

12. The method of claim 11 further comprising:

receiving, by the computer-based system, an authorization request from the mobile device, wherein the authorization request includes data that is based upon a quick response (QR) code, and wherein the mobile device acquires the QR code; and

authorizing, by the computer-based system, the authorization request based upon the second transaction account that is paired to the mobile device.

13. The method of claim 11, further comprising receiving, by the computer-based system, a selection of one of the transaction account and the second transaction account.

14. The method of claim 1, further comprising receiving, by the computer-based system, at least one of:

a payment method, a billing address, and a shipping address.

15. The method of claim 14, further comprising pairing, by the computer-based system, at least one of:

the payment method, the billing address, and the shipping address to the mobile device.

16. The method of claim 6, further comprising saving, by the computer-based system, a digital receipt associated with the authorization request.

17. The method of claim 16, further comprising transmitting, by the computer-based system, the digital receipt to the mobile device.

18. The method of claim 16, further comprising transmitting, by the computer-based system, a list of digital receipts to the mobile device.

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:

receiving, by the computer-based system, an identifier associated with a mobile device;

authenticating, by the computer-based system, a user of the mobile device to a transaction account;

pairing, by the computer-based system, the mobile device to the transaction account based upon the identifier.

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;

receiving, by the processor, an identifier associated with a mobile device;

authenticating, by the processor, a user of the mobile device to a transaction account;

pairing, by the processor, the mobile device to the transaction account based upon the identifier.