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SECURE MOBILE PAYMENT SYSTEM

  • US 20180300716A1
  • Filed: 06/21/2018
  • Published: 10/18/2018
  • Est. Priority Date: 06/25/2007
  • Status: Active Grant
First Claim
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1. A method comprising:

  • generating, by a server computer, a pseudo account identifier corresponding to an account identifier of an account of a user;

    sending, by the server computer, the pseudo account identifier to a portable communication device over a first network, wherein the pseudo account identifier is automatically pushed to the portable communication device, and wherein reception of the pseudo account identifier by the portable communication device is transparent to the user such that the user does not know the pseudo account identifier is received;

    receiving, by the server computer, an authorization request message for a transaction that includes the pseudo account identifier over a second network that is different from the first network;

    converting, by the server computer, the pseudo account identifier in the authorization request message to the corresponding account identifier;

    sending, by the server computer, the converted authorization request message with the account identifier to an issuer associated with the account, wherein the issuer generates an authorization response message including an indication of whether the transaction is approved or not approved;

    receiving, by the server computer, the authorization response message; and

    forwarding, by the server computer, the authorization response message to a sender of the authorization request message to complete the transaction based on the indication of whether the transaction is approved or not approved.

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