METHOD AND SYSTEM FOR SECURE USER REGISTRATION
First Claim
1. A mobile payment account system comprising:
- a mobile device configured for contactless payment operations from a mobile payment account and including;
a secure element storing a wallet application module, data defining a first encryption key, and data associated with the mobile payment account; and
a first passcode generator adapted to generate a first passcode based at least on the first encryption key; and
an online account server including;
a memory storing online account data defining a user account associated the mobile device, the online account data comprising data defining a second encryption key;
a communication interface adapted to receive user input data identifying the passcode generated by the mobile device;
a second passcode generator adapted to generate a second passcode based at least on the second encryption key; and
a user validator adapted to compare the first passcode to the second passcode in a registration process to register the user account.
4 Assignments
0 Petitions
Accused Products
Abstract
A method and system are described for registering an online account associated with a mobile device configured for contactless payment operations in a mobile payment account system. The method includes generating, by a mobile device, a passcode based at least on an encryption key stored securely in the mobile device. In a computing device, a registration process is initiated to register the online account. The computing device receives user input data identifying a passcode generated by the mobile device. An online account server stores online account data defining a user account associated the mobile device, the online account data including a data defining an encryption key. The online account server receives user input data identifying the passcode generated by the mobile device, generates a passcode based at least on the encryption key stored in the online account server, compares the received generated passcode to the passcode generated by the online account server, and verifies the user account associated the mobile device when the generated passcodes match.
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Citations
23 Claims
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1. A mobile payment account system comprising:
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a mobile device configured for contactless payment operations from a mobile payment account and including; a secure element storing a wallet application module, data defining a first encryption key, and data associated with the mobile payment account; and a first passcode generator adapted to generate a first passcode based at least on the first encryption key; and an online account server including; a memory storing online account data defining a user account associated the mobile device, the online account data comprising data defining a second encryption key; a communication interface adapted to receive user input data identifying the passcode generated by the mobile device; a second passcode generator adapted to generate a second passcode based at least on the second encryption key; and a user validator adapted to compare the first passcode to the second passcode in a registration process to register the user account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A computer-implemented method of registering an online account associated with a mobile device configured for contactless payment operations in a mobile payment account system, the method comprising:
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storing online account data defining a user account associated a mobile device; receiving user input data identifying a first passcode generated by the mobile device based at least on an encryption key stored securely in the mobile device; generating a second passcode based at least on an encryption key stored in an online account server; comparing the first passcode to the second passcode to determine a match; and registering the online account when a match is determined.
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21. A computer implemented method of registering an online account associated with a mobile device configured for contactless payment operations in a mobile payment account system, the method comprising:
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initiating a registration process to register an online account associated with a mobile device; receiving user input data identifying a first passcode generated by the mobile device; and transmitting the first passcode to an online account server for registering the online account when the online account server determines that the first passcode matches a second passcode generated by the online account server based at least on an encryption key stored in the online account server.
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22. A computer program comprising program code arranged to perform a method of registering an online account associated with a mobile device configured for contactless payment operations in a mobile payment account system, comprising:
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computer-implementable instructions to store online account data defining a user account associated a mobile device; computer-implementable instructions to receive user input data identifying a first passcode generated by the mobile device based at least on an encryption key stored in the mobile device; computer-implementable instructions to generate a second passcode based at least on an encryption key stored in an online account server; computer-implementable instructions to compare the first passcode to the second passcode to determine a match; and computer-implementable instructions to register the online account when a match is determined.
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23. A computer program comprising program code arranged to perform a method of registering an online account associated with a mobile device configured for contactless payment operations in a mobile payment account system, comprising:
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computer-implementable instructions to initiate a registration process to register an online account associated with a mobile device; computer-implementable instructions to receive user input data identifying a first passcode generated by the mobile device; and computer-implementable instructions to transmit the first passcode to an online account server for registering the online account when the online account server determines that the first passcode matches a second passcode generated by the online account server based at least on an encryption key stored in the online account server and the received unique identifier associated with the mobile device.
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Specification