SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS

• US 20170132594A1
• Filed: 06/17/2016
• Published: 05/11/2017
• Est. Priority Date: 02/09/2011
• Status: Abandoned Application

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: III Holdings 1, LLC
• Inventors: Morgan, Robert E., Seth, Hitesh
• Application Number:
  US15/185,846
• Publication Number:
  US 20170132594A1
• Time in Patent Office: Days
• 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

1-20. -20. (canceled)

21. A method of interfacing with a computer system for performing electronic transaction authorization, comprising:

receiving, by a mobile device, authentication information from a user via an authentication input system of the mobile device;

responsive to authorizing the user with the authentication information, the mobile device providing, to the computer system, a unique authorization code corresponding to physical hardware of the mobile device;

responsive to providing the unique authorization code, the mobile device receiving paired transaction account data from the computer system, wherein the paired transaction account data indicates a plurality of transaction accounts that are authorized for transactional use by the user and a payment processor on the mobile device;

receiving, at the mobile device, a selection by the user of a particular one of the plurality of transaction accounts; and

transmitting, by the mobile device, a transaction authorization request that specifies an identity of a merchant and an amount of payment for a particular transaction.

22. The method of claim 21, wherein the computer system includes a mobile gateway configured to receive data over a network and a payment processor configured to process transactions.

23. The method of claim 22, wherein the paired transaction account data is received from the mobile gateway.

24. The method of claim 21, wherein the unique authorization code includes an electronic serial number.

25. The method of claim 21, wherein the mobile device does not store the paired transaction account data prior to the receiving the paired transaction account data from the computer system.

26. The method of claim 21, further comprising:

receiving, from the computer system, an authorization for the particular transaction.

27. The method of claim 26, wherein the authorization applies only for the particular transaction.

28. The method of claim 26, wherein the authorization applies to a plurality of transactions including the particular transaction.

29. A system comprising:

a processor; and

a memory coupled to the processor, wherein the memory has stored thereon instructions that are executable by a mobile device to perform operations comprising;

receiving authentication information from a user via an authentication input system of the mobile device;

responsive to authorizing the user with the authentication information, providing a unique authorization code corresponding to physical hardware of the mobile device to a computer system;

responsive to providing the unique authorization code, receiving paired transaction account data from the computer system, wherein the paired transaction account data indicates a plurality of transaction accounts that are authorized for transactional use by the user and a payment processor on the mobile device;

receiving a selection by the user of a particular one of the plurality of transaction accounts; and

transmitting a transaction authorization request to the computer system that specifies an identity of a merchant and an amount of payment for a particular transaction.

30. The system of claim 29, wherein the transaction authorization request includes transaction information corresponding to the particular transaction and an identification of the particular one of the plurality of transaction accounts.

31. The system of claim 30, wherein the operations further comprise:

encrypting the transaction authorization request prior to transmitting the transaction authorization request to the computer system.

32. The system of claim 29, wherein the operations further comprise:

responsive to the transmitting the transaction authorization request, receiving an authorization for the particular transaction.

33. The system of claim 29, wherein the operations further comprise:

decrypting the paired transaction account data responsive to receiving the paired transaction account data at the mobile device.

34. A non-transitory computer-readable medium having stored thereon instructions executable by a mobile device to cause the mobile device to perform operations comprising:

receiving authentication information from a user via an authentication input system of the mobile device;

responsive to authorizing the user with the authentication information, providing a unique authorization code corresponding to physical hardware of the mobile device to a computer system;

responsive to providing the unique authorization code, receiving paired transaction account data from the computer system, wherein the paired transaction account data indicates a plurality of transaction accounts that are authorized for transactional use by the user and a payment processor on the mobile device;

receiving a selection by the user of a particular one of the plurality of transaction accounts; and

transmitting a transaction authorization request to the computer system that specifies an identity of a merchant and an amount of payment for a particular transaction.

35. The non-transitory computer-readable medium of claim 34, wherein the receiving the authentication information from the user include receiving a personal identification number (PIN) from the user.

36. The non-transitory computer-readable medium of claim 34, wherein the operations further comprise:

responsive to the transmitting the transaction authorization request to the computer system, receiving an authorization to execute the particular transaction.

37. The non-transitory computer-readable medium of claim 34, wherein the unique authorization code includes an electronic serial number.

38. The non-transitory computer-readable medium of claim 34, wherein the operations further comprise:

transmitting a second authorization request to conduct a second transaction with a second merchant, wherein the second authorization request includes second transaction information corresponding to the second transaction and an identification from the mobile device of a second of the plurality of transaction accounts.

39. The non-transitory computer-readable medium of claim 34, wherein the operations further comprise:

receiving a digital receipt corresponding to the particular transaction; and

storing the digital receipt in a memory of the mobile device.

40. The non-transitory computer-readable medium of claim 39, wherein the operations further comprise:

transmitting the digital receipt to the merchant.