CONDUCTING SECURE RETAIL TRANSACTIONS USING A MOBILE WALLET SYSTEM
First Claim
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1. A method of conducting a secure retail transaction using a mobile device, the method comprising:
- (a) receiving personal information and payment information from a user to establish a mobile wallet account, and storing the personal information and payment information in a server computer separate from the mobile device;
(b) associating a mobile wallet application downloaded to the mobile device with the mobile wallet account;
(c) providing a link in the mobile wallet application for the user to request the mobile wallet application to generate a barcode for an impending retail transaction;
(d) processing user-selected items for purchase at a point-of-sale (POS) terminal;
(e) the mobile wallet application generating the barcode in response to the user selecting the link in step (c) and displaying the barcode on a display of the mobile device, the barcode identifying the mobile wallet account associated with the user;
(f) scanning the barcode at the POS terminal; and
(g) the POS terminal accessing the mobile wallet account based on information decrypted from the barcode and processing a payment for the user-selected items,wherein step (a) is practiced by receiving a card personal identification number (PIN) from the user that is associated with the payment information, and wherein prior to step (e), the method comprises requiring the user to input an access code.
1 Assignment
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Abstract
A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network.
0 Citations
20 Claims
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1. A method of conducting a secure retail transaction using a mobile device, the method comprising:
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(a) receiving personal information and payment information from a user to establish a mobile wallet account, and storing the personal information and payment information in a server computer separate from the mobile device; (b) associating a mobile wallet application downloaded to the mobile device with the mobile wallet account; (c) providing a link in the mobile wallet application for the user to request the mobile wallet application to generate a barcode for an impending retail transaction; (d) processing user-selected items for purchase at a point-of-sale (POS) terminal; (e) the mobile wallet application generating the barcode in response to the user selecting the link in step (c) and displaying the barcode on a display of the mobile device, the barcode identifying the mobile wallet account associated with the user; (f) scanning the barcode at the POS terminal; and (g) the POS terminal accessing the mobile wallet account based on information decrypted from the barcode and processing a payment for the user-selected items, wherein step (a) is practiced by receiving a card personal identification number (PIN) from the user that is associated with the payment information, and wherein prior to step (e), the method comprises requiring the user to input an access code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A mobile wallet system for conducting secure transactions using a mobile device, the mobile wallet system comprising:
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a server computer running a server program; an account module residing on the server computer that defines parameters for a mobile wallet account, the account module storing personal information and payment information from a user; an application module residing on the server computer that defines a mobile wallet application for download to a mobile device having a display, the server computer linking the mobile wallet application with the mobile wallet account, where the mobile wallet application is configured to provide a link for the user to request the mobile wallet application to generate a barcode for an impending retail transaction; and a point-of-sale (POS) terminal interconnected with the server computer over a global network, the POS terminal including a scanner for processing user-selected items for purchase, wherein the mobile wallet application is configured to display a barcode in response to the user selecting the link, the barcode comprising data structure that identifies the mobile wallet account associated with the user, wherein the POS terminal is configured to access the mobile wallet account based on information decrypted from the barcode and to process a payment for the user-selected items, wherein the computer server is configured to generate a shared secret and associate the shared secret with the mobile wallet account, the computer server being configured to cause the shared secret to be stored on the mobile device. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A computer system defining for conducting secure transactions using a mobile device, the computer system comprising:
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means for receiving personal information and payment information from a user to establish a mobile wallet account; means for storing the personal information and payment information in a server computer separate from the mobile device; means for associating a mobile wallet application downloaded to a mobile device with the mobile wallet account; means for deriving a shared secret when the mobile wallet account is created and when the mobile wallet application is linked to the mobile wallet account; means for providing a link in the mobile wallet application for the user to request the mobile wallet application to generate a barcode for an impending retail transaction; means for enabling the mobile device to retrieve a token/nonce once the user is authenticated and for storing the token/nonce on the server; means for generating the barcode with the mobile wallet application in response to the user selecting the link, and means for displaying the barcode on a display of the mobile device, the barcode identifying the mobile wallet account associated with the user; means for accessing the mobile wallet account based on information decrypted from the barcode and for processing a payment; and validating the token/nonce after a POS terminal scan to effect the payment with the payment information stored in the server.
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Specification