Facilitating establishing trust for conducting direct secure electronic transactions between users and service providers via a mobile wallet

• US 9,330,389 B2
• Filed: 06/24/2011
• Issued: 05/03/2016
• Est. Priority Date: 01/19/2001
• Status: Expired due to Fees

• Current Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Original Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Inventors: Pitroda, Satyan G., Desai, Mehul
• Primary Examiner(s): Coppola, Jacob C.
• Application Number:
  US13/168,782
• Publication Number:
  US 20120005078A1
• Time in Patent Office: 1,775 Days
• US Class Current: 1/1
• CPC Class Codes: G06F 21/606 by securing the transmission between two devices or processes
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• 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 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/42 : Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 2220/00 : Business processing using cryptography
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G16H 10/60 : for patient-specific data, e.g. for electronic patient records
• CPC Class Codes: G16Z 99/00 : Subject matter not provided for in other main groups of this subclass
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/06 : for supporting key management in a packet data network cryptographic mechanisms or cryptographic arrangements for key management H04L9/08
• CPC Class Codes: H04L 63/08 : for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0838 : using one-time-passwords

Abstract

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Claims

1. A method of establishing trust among a user, a mobile electronic wallet, and a service provider, comprising:

establishing trust between a transaction service provider and an electronic transaction facility comprising a mobile electronic wallet that emulates an item of a physical wallet and that is operated by the user via registering the mobile electronic wallet with the transaction service provider through a registration process comprising the transaction service provider certifying keys generated by the mobile electronic wallet and received from a mobile device through which the user operates the mobile electronic wallet;

establishing trust between the transaction service provider and the user of the mobile electronic wallet by the transaction service provider decrypting and confirming a portion of data received from the mobile electronic wallet as being consistent with information provided to the user by the transaction service provider, thereby establishing trust of the user and the mobile electronic wallet, wherein the portion of data is input by the user to the electronic transaction facility and encrypted by the electronic transaction facility with the portion of data;

establishing initial trust between the transaction service provider and a service provider comprising transmitting security certificates between the transaction service provider and the financial service provider and installing the security certificates as trusted SSL/HTTPS credentials;

transmitting a certificate representing the established trust of the user and the mobile electronic wallet to the service provider with which the transaction service provider established initial trust; and

establishing a direct secure transaction channel between the user and the service provider via the mobile electronic wallet based on the transmitted certificate, wherein use of the emulated item in a transaction that is conducted via the direct secure transaction channel is securable with three-dimensional authentication that applies a separate security protocol for each of the user, the mobile electronic wallet, and the secure transaction channel of the service provider.