Secure mobile-based financial transactions
First Claim
Patent Images
1. A mobile communications device comprising:
- a processor; and
a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprisingreceiving, from a point-of-sale device, a one-time digital key and an amount associated with a transaction,generating a random number,generating a payment number by combining the one-time digital key with the random number, wherein combining the one-time digital key with the random number comprises mixing numbers of the one-time digital key with numbers of the random number,sending, to a payment server, a payment comprising the payment number and the amount, andreceiving, from the point-of-sale device, an acknowledgment of the payment, wherein the amount associated with the payment is deducted from an account associated with the mobile communications device.
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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.
40 Citations
20 Claims
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1. A mobile communications device comprising:
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a processor; and a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprising receiving, from a point-of-sale device, a one-time digital key and an amount associated with a transaction, generating a random number, generating a payment number by combining the one-time digital key with the random number, wherein combining the one-time digital key with the random number comprises mixing numbers of the one-time digital key with numbers of the random number, sending, to a payment server, a payment comprising the payment number and the amount, and receiving, from the point-of-sale device, an acknowledgment of the payment, wherein the amount associated with the payment is deducted from an account associated with the mobile communications device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A memory storing instructions that, when executed by a processor of a mobile communications device, cause the processor to perform operations comprising:
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receiving, from a point-of-sale device, a one-time digital key and an amount associated with a transaction; generating a random number; generating a payment number by combining the one-time digital key with the random number, wherein combining the one-time digital key with the random number comprises mixing numbers of the one-time digital key with numbers of the random number; sending, to a payment server, a payment comprising the payment number and the amount; and receiving, from the point-of-sale device, an acknowledgment of the payment, wherein the amount associated with the payment is deducted from an account associated with the mobile communications device. - 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, a one-time digital key and an amount associated with a transaction; generating, by the mobile communications device, a random number; generating, by the mobile communications device, a payment number by combining the one-time digital key with the random number, wherein combining the one-time digital key with the random number comprises mixing numbers of the one-time digital key with numbers of the random number; sending, by the mobile communications device, to a payment server, a payment comprising the payment number and the amount; and receiving, by the mobile communications device, from the point-of-sale device, an acknowledgment of the payment, wherein the amount associated with the payment is deducted from an account associated with the mobile communications device. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification