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Secure mobile-based financial transactions

  • US 9,519,899 B2
  • Filed: 04/28/2015
  • Issued: 12/13/2016
  • Est. Priority Date: 10/27/2009
  • Status: Active Grant
First Claim
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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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