SYSTEM AND METHOD FOR TRUSTED MOBILE DEVICE PAYMENT

• US 20120209630A1
• Filed: 03/11/2011
• Published: 08/16/2012
• Est. Priority Date: 02/11/2011
• Status: Active Grant

• Current Assignee: Siemens Mobility, Inc. (Siemens AG)
• Original Assignee: Bytemark Incorporated
• Inventors: Ihm, Nicholas, Guess, Christopher, Bergdale, Micah, Valyer, Gregory, Grasser, Matthew
• Granted Patent: US 10,089,606 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device

Abstract

This invention is related to secure payments using data codes displayed on a mobile device, for example a QR code displayed on a cell-phone. The invention establishes a third party transaction service that protects the customer'"'"'s proprietary payment information, for example, credit card numbers, while ensuring for a merchant that a payment token, for example, the QR code, will represent a valid payment.

Claims

1. A method for executing a transaction comprising:

Receiving from a first computer data representing a request for a transaction;

Verifying the request for a transaction;

Transmitting a data object associated with the transaction;

Receiving data from a second computer said data representing a request to verify data derived from the data object;

Verifying the data derived from the data object that was received from the second computer;

Transmitting payment scheme data to a payment gateway.

2. The method of claim 1 where the request for a transaction is comprised of biometric data.

3. The method of claim 2 where the biometric data is one of a picture of a face, a fingerprint scan, an iris scan, a picture of an eyeball.

4. The method of claim 1 where the data object is a QR code.

5. The method of claim 1 where the data object is a bar code.

6. The method of claim 1 further comprising:

Retrieving from a database an image associated with the first computer;

Transmitting the image to the second computer.

7. The method of claim 1 where the step of verification of the data derived from the data object is comprised of:

Querying a database for a data record associated with the pending transaction using an alpha-numeric data value derived from the received data object.

9. The method of claim 1 further comprising:

Receiving data representing verification that the transaction was completed.

10. The method of claim 1 where the transmitting payment scheme data step is comprised of transmitting to a cell phone service provider a data message comprised of identifying information associated with a customer account and an amount of money to be posted as a charge to the customer account.

13. The method of claim 1 where the transaction request is associated with a time stamp, further comprising:

not completing the transaction if the time stamp is older than a predetermined amount of time.

14. The method of claim 1 where the transaction request includes location data derived from the first device, further comprising:

verifying that the location data derived from the first device indicates proximity to the second device.

15. The method of claim 1 further comprising:

Transmitting a data message representing details of the transaction or a hyper-link to a location that will cause the display of such detail.

18. The method of claim 1 further comprising:

Creating a data record by receiving a UDID value, a user-id, a password and an image associate with a user;

Verifying the user'"'"'s identity by comparing the received image to another image.

19. The method of claim 1 where the transaction request include data representing a discount coupon, comprising the steps of:

Receiving a digital coupon associated with the transaction request;

Verifying the digital coupon;

Reducing the amount being charged in the transaction by the amount determined by the digital coupon.

8. A method for executing a transaction comprising:

Transmitting a data message representing a request for a transaction;

Receiving a data object associated with the transaction;

Transmitting said data object to a second computer.

11. A system for executing a trusted transaction comprising a Transaction Service server operatively connected by means of a data network to one or more mobile devices, a merchant point of sale device and a payment gateway, where the transaction service server is operatively connected to a database comprised of data records associated with one or more customers and correspondingly associated with the one or more mobile devices, said data records containing payment scheme information proprietary to the corresponding customers, said payment scheme information usable by the payment gateway to effectuate payment.

12. The system of claim 11 where the Transaction Server is adapted to Receive from a first computer data representing a request for a transaction;

Verify the request for a transaction;

Transmit a data object associated with the transaction;

Receive data from a second computer said data representing a request to verify data derived from the data object;

Verify the data derived from the data object received from the second computer; and

Transmit payment scheme data to a payment gateway.

16. The system of claim 11 where the data record is comprised of a UDID data value of a device, a user-id, a password and payment scheme details.

17. The system of claim 16 where the payment scheme detail is comprised of a credit card number.

20. The system of claim 11 where the transaction server maintain a user'"'"'s insurance information as part of the data records and verification of a user as an authorized patient is by transmitting a QR Code associated.