SYSTEM AND METHOD FOR TRUSTED MOBILE DEVICE PAYMENT
First Claim
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1. A method for executing a transaction comprising:
- Receiving from a first computer data representing a request for a transaction;
Verifying the request for a transaction;
Transmitting a data object associated with the transaction;
Receiving data from a second computer said data representing a request to verify data derived from the data object;
Verifying the data derived from the data object that was received from the second computer;
Transmitting payment scheme data to a payment gateway.
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Abstract
This invention is related to secure payments using data codes displayed on a mobile device, for example a QR code displayed on a cell-phone. The invention establishes a third party transaction service that protects the customer'"'"'s proprietary payment information, for example, credit card numbers, while ensuring for a merchant that a payment token, for example, the QR code, will represent a valid payment.
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Citations
20 Claims
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1. A method for executing a transaction comprising:
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Receiving from a first computer data representing a request for a transaction; Verifying the request for a transaction; Transmitting a data object associated with the transaction; Receiving data from a second computer said data representing a request to verify data derived from the data object; Verifying the data derived from the data object that was received from the second computer; Transmitting payment scheme data to a payment gateway. - View Dependent Claims (2, 3, 4, 5, 6, 7, 9, 10, 13, 14, 15, 18, 19)
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8. A method for executing a transaction comprising:
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Transmitting a data message representing a request for a transaction; Receiving a data object associated with the transaction; Transmitting said data object to a second computer.
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- 11. A system for executing a trusted transaction comprising a Transaction Service server operatively connected by means of a data network to one or more mobile devices, a merchant point of sale device and a payment gateway, where the transaction service server is operatively connected to a database comprised of data records associated with one or more customers and correspondingly associated with the one or more mobile devices, said data records containing payment scheme information proprietary to the corresponding customers, said payment scheme information usable by the payment gateway to effectuate payment.
Specification