Systems and methods for contactless payment authorization

  • US 8,275,364 B2
  • Filed: 12/30/2008
  • Issued: 09/25/2012
  • Est. Priority Date: 01/04/2008
  • Status: Active Grant
First Claim
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1. A method for contactless payment authorization, the method comprising:

  • initiating a payment process in a mobile communication device;

    communicating an alphanumeric string from the mobile communication device into an identifier located sufficiently near to the mobile communication device such that the identifier is supplied with energy from an electromagnetic field of the mobile communication device;

    electronically signing the received alphanumeric string in the identifier;

    sending the electronically signed alphanumeric string to the mobile communication device;

    verifying the electronically signed alphanumeric string in the mobile communication device; and

    placing the mobile communication device sufficiently near to the payment terminal to realize a payment.

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