Smart communication device secured electronic payment system

• US 20130204793A1
• Filed: 05/16/2012
• Published: 08/08/2013
• Est. Priority Date: 05/17/2011
• Status: Abandoned Application

• Current Assignee: James Gillen, Kevin S. Kerridge
• Original Assignee: James Gillen, Kevin S. Kerridge
• Inventors: Kerridge, Kevin S., Gillen, James
• Application Number:
  US13/506,762
• Publication Number:
  US 20130204793A1
• Time in Patent Office: Days
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing

Abstract

Systems, apparatuses, and methods enabling secure payment transactions, and methods for sharing secure documents, via a mobile device, for example a mobile telephone, smartphone, cellular telephone, other wireless device, a Near Field Communications (NFC) device, or the like. Actual user account information is substituted with temporary account information such that the temporary account information may be manipulated in a manner similar to actual user account information, with the result that actual account information is masked thereby greatly reducing the likelihood of misuse.

Claims

1. ) A method for secure payment transactions facilitated via a mobile device comprising the steps of:

a) registering actual payment card account information with a security intermediation service provider;

b) receiving proxy payment card account information from said security intermediation service provider, said proxy payment card account information being linked to and masking said actual payment card account information;

c) commencing a payment transaction via a mobile device and a merchant device using said proxy payment card account information;

d) said merchant device exchanging said proxy payment card account information for said actual payment card account information; and

e) completing said payment transaction using said actual payment card account information.

2. ) The method as claimed in claim 1 further comprising after step c) the additional step of authenticating the user'"'"'s identity.

3. ) The method as claimed in claim 2 wherein authentication of the user'"'"'s identity is mediated by said mobile device using biometric information.

4. ) The method as claimed in claim 1 wherein said proxy payment card account information comprises a proxy account number and proxy name field.

5. ) The method as claimed in claim 1 wherein said mobile device comprises a smart chip card reader/writer.

6. ) The method as claimed in claim 5 further comprising enabling a smart chip card, said smart chip card being usable for commencing a payment transaction.

7. ) A method for secure payment transactions facilitated via a mobile device comprising the steps of:

a) registering actual payment card account information with a security intermediation service provider;

b) receiving proxy payment card account information from said security intermediation service provider, said proxy payment card account information being linked to and masking said actual payment card account information;

c) commencing a payment transaction via a mobile device and a merchant device using said proxy payment card account information;

d) authenticating the user'"'"'s identity

e) said merchant device exchanging said proxy payment card account information for said actual payment card account information; and

completing said payment transaction using said actual payment card account information.

8. ) The method as claimed in claim 7 wherein authentication of the user'"'"'s identity is mediated by said mobile device using biometric information.

9. ) The method as claimed in claim 7 wherein said proxy payment card account information comprises a proxy account number and proxy name field.

10. ) The method as claimed in claim 7 wherein said mobile device comprises a smart chip card reader/writer.

11. ) The method as claimed in claim 10 further comprising enabling a smart chip card, said smart chip card being usable for commencing a payment transaction.

12. ) A method for secure document delivery facilitated via a mobile device comprising the steps of:

a) sending a token from a mobile device to a security intermediation service provider, said security intermediation service provider having an encrypted document residing thereon;

b) receiving said encrypted document;

c) receiving an unlocking code from said security intermediation service provider; and

d) unlocking said received encrypted document.

13. ) The method as claimed in claim 12 wherein said encrypted document is a hardware encrypted document.

14. ) The method as claimed in claim 12 wherein said unlocking code is a proxy name field comprising an encrypted token containing a unique number.

15. ) The method as claimed in claim 12 wherein said encrypted document is an S/MIME attachment sent via e-mail.