×

Secure distributed single action payment authorization system

  • US 9,779,393 B2
  • Filed: 04/29/2011
  • Issued: 10/03/2017
  • Est. Priority Date: 12/02/2010
  • Status: Expired due to Fees
First Claim
Patent Images

1. A method of paying for an item, the method comprising:

  • receiving user credentials at a first application installed on a mobile device;

    transmitting the user credentials and a device identifier from the first application of the mobile device to a payment management server;

    receiving, from the payment management server, an encryption key at the mobile device;

    obtaining data at the mobile device to be included in personal payment information;

    encrypting the data using the encryption key received from the payment management server to form encrypted personal payment information at the mobile device;

    storing the encrypted personal payment information on the mobile device, the encrypted personal payment information associated with the first application and not associated with a second application installed on the mobile device;

    discarding, from the mobile device, the encryption key andafter discarding the encryption keyreceiving, at the mobile device, a request to make a payment using the second application;

    responsive to determining that there is not personal payment information associated with the second application, transmitting a request for authorization from the mobile device to the payment management server, the request for authorization including the user credentials and the device identifier;

    responsive to receiving an indication from the payment management server at the mobile device, accessing, the encrypted personal payment information associated with the first application;

    receiving a decryption key from the payment management server at the second application, the decryption key associated with the device identifier at the payment management server;

    decrypting, at the mobile device, the encrypted personal payment information using the decryption key associated with the device identifier to expose the personal payment information; and

    transmitting the exposed personal payment information from the mobile device to a payment authority associated with the request to make the payment using the second application via a secure connection to the payment authority.

View all claims
  • 3 Assignments
Timeline View
Assignment View
    ×
    ×