Secure contactless payment systems and methods
First Claim
1. A system for approving, at a server, a payment request received from a mobile device at a point of sale device, the point of sale device remote from the server, wherein the system comprises:
- a server, wherein the server is configured to;
store a device authentication table, wherein the device authentication table correlates particular authentication information with particular mobile device ID'"'"'s;
receive a device authentication request, wherein the device authentication request comprises authentication information and a mobile device ID;
determine whether the authentication information is correlated with the mobile device ID in the device authentication table;
receive a payment request;
approve the payment request if the server determines that the authentication information is correlated with the mobile device ID in the device authentication table; and
a point of sale device remote from the server, wherein the point of sale device is configured to;
receive authentication information and a mobile device ID;
transmit the device authentication request comprising the authentication information and the mobile device ID.
1 Assignment
0 Petitions
Accused Products
Abstract
According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.
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Citations
21 Claims
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1. A system for approving, at a server, a payment request received from a mobile device at a point of sale device, the point of sale device remote from the server, wherein the system comprises:
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a server, wherein the server is configured to; store a device authentication table, wherein the device authentication table correlates particular authentication information with particular mobile device ID'"'"'s; receive a device authentication request, wherein the device authentication request comprises authentication information and a mobile device ID; determine whether the authentication information is correlated with the mobile device ID in the device authentication table; receive a payment request; approve the payment request if the server determines that the authentication information is correlated with the mobile device ID in the device authentication table; and a point of sale device remote from the server, wherein the point of sale device is configured to; receive authentication information and a mobile device ID; transmit the device authentication request comprising the authentication information and the mobile device ID. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method for approving, at a server, a payment request received from a mobile device at a point of sale device, the point of sale device remote from the server, wherein the method comprises:
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storing, with a server, a device authentication table, wherein the device authentication table correlates particular authentication information with particular mobile device ID'"'"'s; receiving, at a point of sale device, authentication information and a mobile device ID; transmitting, from the point of sale device, a device authentication request comprising the authentication information and the mobile device ID; receiving, at the server, the device authentication request; receiving, at the server, a payment request; determining, with the server, whether the authentication information is correlated with the mobile device ID in the device authentication table; and approving, with the server, the payment request if the server determines that the authentication information is correlated with the mobile device ID in the device authentication table.
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21. A storage medium with instructions stored therein, the instructions executable by a processor to:
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store a device authentication table, wherein the device authentication table correlates particular authentication information with particular mobile device ID'"'"'s; receive a device authentication request comprising authentication information and a mobile device ID; receive a payment request; determine whether the authentication information is correlated with the mobile device ID in the device authentication table; and approve the payment request if the server determines that the authentication information is correlated with the mobile device ID in the device authentication table.
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Specification