Method and device for conducting trusted remote payment transactions
First Claim
1. A method comprising:
- establishing a trust relationship between a first mobile phone and a second mobile phone over a Near Field Communication link, by verifying a physical presence of the first mobile phone relative to the second mobile phone;
initiating, by the first mobile phone, a payment transaction with a point-of-sale device;
receiving, with the first mobile phone, a payment request from the point-of-sale device in response to initiating the payment transaction with the point-of-sale device;
transmitting, by the first mobile phone and in response to initiating the payment transaction, the payment request received from the point-of-sale device to the second mobile phone over a cellular network, wherein the cellular network is different from the Near Field Communication Link;
receiving, by the first mobile phone, payment information from the second mobile phone in response to the transmittal of the payment request, wherein the payment information includes account information associated with a user of the second mobile phone; and
completing, by the first mobile phone, the payment transaction with the point-of-sale device using the payment information received from the second mobile phone.
1 Assignment
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Accused Products
Abstract
A method, device, and system for conducting trusted payment transactions including establishing a trust relationship between a first mobile computing device and a second mobile computing device. The first mobile computing device may initiate a payment transaction with a point-of-sale device, communicate with the second mobile communication device to retrieve payment information from the second mobile communication device, and complete the payment transaction with the point-of-sale device using the payment information. The second mobile computing device is configured to verify the user and identity of the first mobile computing device prior to providing the payment information. Communications between the mobile computing devices may be encrypted using pre-determined encryption techniques.
55 Citations
16 Claims
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1. A method comprising:
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establishing a trust relationship between a first mobile phone and a second mobile phone over a Near Field Communication link, by verifying a physical presence of the first mobile phone relative to the second mobile phone; initiating, by the first mobile phone, a payment transaction with a point-of-sale device; receiving, with the first mobile phone, a payment request from the point-of-sale device in response to initiating the payment transaction with the point-of-sale device; transmitting, by the first mobile phone and in response to initiating the payment transaction, the payment request received from the point-of-sale device to the second mobile phone over a cellular network, wherein the cellular network is different from the Near Field Communication Link; receiving, by the first mobile phone, payment information from the second mobile phone in response to the transmittal of the payment request, wherein the payment information includes account information associated with a user of the second mobile phone; and completing, by the first mobile phone, the payment transaction with the point-of-sale device using the payment information received from the second mobile phone. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 15)
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9. One or more non-transitory, machine readable media comprising a plurality of instructions that, when executed by a first mobile computing device, result in the first mobile computing device:
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establishing a trust relationship with a second mobile computing device using a Near Field Communication link, by verifying a physical presence of the first mobile phone relative to the second mobile phone; initiating a payment transaction with a point-of-sale device; establishing, in response to the initiation of the payment transaction, a secured, wireless communication connection over a cellular network with the second mobile computing device to request payment information therefrom, the cellular network being different from the Near Field Communication link, and the second mobile computing device being remote from the first computing device and the point-of-sale device, wherein the payment information includes account information associated with a user of the second mobile phone; and completing the payment transaction with the point-of-sale device using the payment information received from the first mobile computing device. - View Dependent Claims (10, 11, 12, 13, 14, 16)
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Specification