Secure mobile-based financial transactions
First Claim
Patent Images
1. A system comprising:
- a mobile communications device having an associated account and comprisinga first processor, anda first memory storing a client payment logic that, when executed by the first processor, causes the first processor to perform first operations comprisinggenerating a payment number by combining a one-time digital key with a random number generated by the client payment logic, wherein combining the one-time digital key with the random number generated by the client payment logic comprises mixing numbers of the one-time digital key with numbers of the random number generated by the client payment logic, andsending the payment number to a point-of-sale device;
the point-of-sale device in communication with the mobile communications device, the point-of-sale device comprisinga second processor, anda second memory storing a vendor payment logic that, when executed by the second processor, causes the second processor to perform second operations comprising sending the one-time digital key to the mobile communications device via a wireless communication upon determination that the mobile communications device is not connected to a payment server; and
the payment server in communication with the mobile communications device through a cellular network and in communication with the point-of-sale device through a second network, the payment server comprisinga third processor, anda third memory storing a server payment logic that, when executed by the third processor, cause the third processor to perform third operations comprisingsending the one-time digital key to the mobile communications device upon determination that the mobile communications device is connected to the payment server via the cellular network,receiving the payment number and an amount from the point-of-sale device,disassembling the payment number into the one-time digital key and the random number,verifying the one-time digital key,generating an identical random number using an identical random number generator algorithm,comparing the random number as disassembled with the identical random number, anddeducting the amount from the associated account when the random number as disassembled and the identical random number match.
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Abstract
Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a payment server via a point-of-sale device to conduct a transaction. The mobile communications device uses a client payment logic to send payment information to the point-of-sale device. The point-of-sale device uses a vendor payment logic to forward the payment information to the payment server. The payment server verifies the payment information and sends confirmation to the point-of-sale device.
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Citations
20 Claims
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1. A system comprising:
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a mobile communications device having an associated account and comprising a first processor, and a first memory storing a client payment logic that, when executed by the first processor, causes the first processor to perform first operations comprising generating a payment number by combining a one-time digital key with a random number generated by the client payment logic, wherein combining the one-time digital key with the random number generated by the client payment logic comprises mixing numbers of the one-time digital key with numbers of the random number generated by the client payment logic, and sending the payment number to a point-of-sale device; the point-of-sale device in communication with the mobile communications device, the point-of-sale device comprising a second processor, and a second memory storing a vendor payment logic that, when executed by the second processor, causes the second processor to perform second operations comprising sending the one-time digital key to the mobile communications device via a wireless communication upon determination that the mobile communications device is not connected to a payment server; and the payment server in communication with the mobile communications device through a cellular network and in communication with the point-of-sale device through a second network, the payment server comprising a third processor, and a third memory storing a server payment logic that, when executed by the third processor, cause the third processor to perform third operations comprising sending the one-time digital key to the mobile communications device upon determination that the mobile communications device is connected to the payment server via the cellular network, receiving the payment number and an amount from the point-of-sale device, disassembling the payment number into the one-time digital key and the random number, verifying the one-time digital key, generating an identical random number using an identical random number generator algorithm, comparing the random number as disassembled with the identical random number, and deducting the amount from the associated account when the random number as disassembled and the identical random number match. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method comprising:
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sending a one-time digital key to a mobile communications device, wherein sending the one-time digital key to the mobile communications device is accomplished via a cellular network from a payment server and via a wireless communication from a point-of-sale device upon determination that a connection between the mobile communications device and the payment server is not available; generating, on the mobile communications device by a client payment logic, a payment number by combining the one-time digital key with a random number generated by the mobile communications device, wherein combining the one-time digital key with the random number generated by the mobile communications device comprises mixing numbers of the one-time digital key with numbers of the random number generated by the mobile communications device; receiving, at the payment server, the payment number and an amount sent to the point-of-sale device from the mobile communications device; disassembling the payment number into the one-time digital key and the random number; verifying the one-time digital key and the random number, wherein verifying the random number is accomplished by the payment server generating an identical random number using an identical algorithm to an algorithm used to generate the random number on the mobile communications device and comparing the random number and the identical random number; and deducting the amount from an account associated with the mobile communications device upon verification. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method comprising:
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receiving, at a mobile communications device from a point-of-sale device upon determining that the mobile communications device is not connected to a payment server via a cellular network, a one-time digital key; sending, from the mobile communications device, a payment number and an amount to the point-of-sale device, the payment number generated by a client payment logic of the mobile communications device by combining the one-time digital key with a random number generated by the mobile communications device, wherein combining the one-time digital key with the random number generated by the mobile communications device comprises mixing numbers of the one-time digital key with numbers of the random number generated by the mobile communications device; sending, from the point-of-sale device to the payment server, the payment number and the amount; and deducting the amount from an account associated with the mobile communications device, wherein the payment server verifies the random number and the one-time digital key by generating an identical random number using an identical algorithm to an algorithm used to generate the random number on the mobile communications device and comparing the identical random number and the random number. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification