Methods and arrangements for smartphone payments
First Claim
1. A method employing a user'"'"'s portable smartphone including a screen and a sensor, in a contextually-authenticated payment transaction, the method including the acts:
- presenting a payment user interface on the screen of the user'"'"'s smartphone, the user interface depicting, in a single screen, plural virtual wallet cards including plural payment service cards, said payment service cards representing plural possible payment services including at least one of American Express®
, VISA® and
MasterCard®
;
receiving input from said user, through said payment user interface, selecting a desired one of said depicted payment services for issuing a payment to a cooperating point of sale system of a retail store, using a corresponding virtual wallet card;
generating sensor-based authentication data, said generating being performed using said user'"'"'s smartphone, the sensor being selected from the group consisting of a barometric sensor, a temperature sensor, an audio sensor, an image sensor, a magnetometer, an accelerometer, and a gyroscope, said authentication data being derived in part based on data from said sensor;
establishing a plural-bit information payload, said payload being a function of both (a) an identifier corresponding to the selected virtual wallet card, and (b) said sensor-based authentication data;
encoding static artwork, including a logo for one of said American Express®
, VISA® and
MasterCard®
payment services, with a steganographic movie of hidden data, wherein said steganographic movie encodes—
at a first time—
a first part of said information payload, and encodes—
at a second time—
a second part of said information payload, to yield a visual display that appears static to a human, but steganographically conveys different parts of said information payload at different points in time; and
presenting said visual display from the screen of said user'"'"'s smartphone to a camera of said cooperating point of sale system of the retail store, in connection with issuing a payment for one or more goods;
wherein said presented visual display;
(a) visually identifies the selected payment service to said user by said logo; and
(b) optically conveys steganographically-encoded information by which the point of sale system can validate a payment transaction using the user-selected payment service.
1 Assignment
0 Petitions
Accused Products
Abstract
To make a payment, a smartphone presents artwork for a payment card (e.g., a Visa card) that has been selected by a user from a virtual wallet of such cards. Encoded in the displayed artwork is payment information that has been encrypted with a context-dependent session key. A cooperating system (e.g., a retailer'"'"'s point of sale system) uses a camera to capture an image of the artwork, and independently creates the session key from its own context sensor(s), enabling decryption of the payment information. Such technology provides a superior transaction security model at a fraction of the cost of competing chip card payment systems (which require, e.g., expensive physical cards, and single-purpose reader hardware). A great variety of other features and arrangements are also detailed.
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Citations
16 Claims
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1. A method employing a user'"'"'s portable smartphone including a screen and a sensor, in a contextually-authenticated payment transaction, the method including the acts:
-
presenting a payment user interface on the screen of the user'"'"'s smartphone, the user interface depicting, in a single screen, plural virtual wallet cards including plural payment service cards, said payment service cards representing plural possible payment services including at least one of American Express®
, VISA® and
MasterCard®
;receiving input from said user, through said payment user interface, selecting a desired one of said depicted payment services for issuing a payment to a cooperating point of sale system of a retail store, using a corresponding virtual wallet card; generating sensor-based authentication data, said generating being performed using said user'"'"'s smartphone, the sensor being selected from the group consisting of a barometric sensor, a temperature sensor, an audio sensor, an image sensor, a magnetometer, an accelerometer, and a gyroscope, said authentication data being derived in part based on data from said sensor; establishing a plural-bit information payload, said payload being a function of both (a) an identifier corresponding to the selected virtual wallet card, and (b) said sensor-based authentication data; encoding static artwork, including a logo for one of said American Express®
, VISA® and
MasterCard®
payment services, with a steganographic movie of hidden data, wherein said steganographic movie encodes—
at a first time—
a first part of said information payload, and encodes—
at a second time—
a second part of said information payload, to yield a visual display that appears static to a human, but steganographically conveys different parts of said information payload at different points in time; andpresenting said visual display from the screen of said user'"'"'s smartphone to a camera of said cooperating point of sale system of the retail store, in connection with issuing a payment for one or more goods; wherein said presented visual display;
(a) visually identifies the selected payment service to said user by said logo; and
(b) optically conveys steganographically-encoded information by which the point of sale system can validate a payment transaction using the user-selected payment service. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A smartphone adapted for use in a contextually-authenticated payment transaction, the smartphone including a sensor, a screen, a processor and a memory, the sensor being selected from the group consisting of a barometric sensor, a temperature sensor, an audio sensor, an image sensor, a magnetometer, an accelerometer, and a gyroscope, the memory storing software instructions configuring the smartphone to perform actions including:
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presenting a payment user interface on the screen, the user interface identifying plural virtual wallet cards including plural payment service cards, said payment service cards representing plural possible payment services including at least one of American Express®
, VISA® and
MasterCard®
;receiving input from a user, through said payment user interface, selecting a desired one of said payment services for issuing a payment to a cooperating point of sale system of a retail store; generating sensor-based authentication data, said authentication data being derived in part based on data from said sensor; establishing a plural-bit information payload, said payload being a function of both (a) an identifier corresponding to the selected virtual wallet card, and (b) said sensor-based authentication data; encoding static artwork, including a logo for one of said American Express®
, VISA® and
MasterCard®
payment services, with a steganographic movie of hidden data, wherein said steganographic movie encodes—
at a first time—
a first part of said information payload, and encodes—
at a second time—
a second part of said information payload, to yield a visual display that appears static to a human, but steganographically conveys different parts of said information payload at different points in time; andpresenting said visual display from the screen of said user smartphone for capture by a camera of said cooperating point of sale system of the retail store, in connection with issuing a payment for one or more goods; wherein said presented visual display;
(a) visually identifies the selected payment service to said user by said logo; and
(b) optically conveys steganographically-encoded information by which the point of sale system can validate a payment transaction using the user-selected payment service.
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Specification