Secure mobile payment system

Patent metadata

Field	Value
Publication number	US-10043178-B2
Application number	US-201213482929-A
Country	US
Kind code	B2
Filing date	May 29, 2012
Priority date	Jun 25, 2007
Publication date	Aug 7, 2018
Grant date	Aug 7, 2018

Abstract

The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not.

First claim

What is claimed is:

1. A method comprising:
receiving, by a portable wireless phone, a selection of an account from a consumer;
retrieving, automatically by the portable wireless phone, a pseudo account identifier associated with the selected account in response to receiving the selection of the account by:
sending, by the portable wireless phone, a request for the pseudo account identifier associated with the selected account over a first network, the request including an account identifier for the selected account; and
receiving, by the portable wireless phone, over the first network, the pseudo account identifier that corresponds to the account identifier associated with the selected account, the pseudo account identifier being generated by a server computer, wherein generation of the pseudo account identifier by the server computer and retrieval of the pseudo account identifier by the portable wireless phone is transparent to the consumer such that the consumer does not know the pseudo account identifier is received; and

transmitting, by the portable wireless phone using a contactless transmitter, the pseudo account identifier to an access device comprising a contactless reader to conduct a transaction, wherein the access device thereafter sends an authorization request message comprising the pseudo account identifier to a payment processing network over a second network that is different than the first network, wherein the payment processing network converts the pseudo account identifier in the authorization request message back to the account identifier, wherein the payment processing network sends the authorization request message including the account identifier to an issuer associated with the account identifier, wherein the issuer generates an authorization response message and sends the authorization response message to the payment processing network, and wherein the access device thereafter receives the authorization response message indicating whether the transaction is approved or not approved.

2. The method of claim 1 wherein information on whether the transaction is approved or not approved from the authorization response message is printed on a receipt that is generated by the access device.

3. The method of claim 1 wherein the authorization response message is sent to the consumer over the first network.

4. The method of claim 1 wherein the first network is a communications network and the second network is a transaction processing network.

5. The method of claim 1 wherein the account identifier is a primary account number and wherein the pseudo account identifier is a pseudo account number.

6. The method of claim 1 wherein the pseudo account identifier is an alphanumeric sequence related to the account identifier, the alphanumeric sequence comprising letters, numbers, or a combination of letters and numbers.

7. The method of claim 1 wherein the pseudo account identifier expires after a predetermined number of transactions.

8. The method of claim 1 wherein use of the pseudo account identifier is transparent to a merchant operating the access device such that the merchant does not know whether the pseudo account identifier or the account identifier is being used in the transaction.

9. The method of claim 1 , wherein the pseudo account identifier is received by the portable wireless phone over the first network using cellular or WiFi communication technology, and the pseudo account identifier is transmitted to the access device using NFC communication technology.

10. A portable wireless phone for performing a proximity transaction comprising:
a long range communication element;
a short range communication element;
a processor coupled to the long range communication element and the short range communication element;
a memory coupled to the processor, the memory comprising computer code for performing a method, the method comprising:
receiving a selection of an account from a user;
in response to receiving the selection of the account, automatically retrieving a pseudo account identifier associated with the selected account by:
sending a request for a pseudo account identifier associated with the selected account using the long range communication element, the request including an account identifier for the selected account; and

receiving the pseudo account identifier that corresponds to the account identifier associated with the selected account at the portable wireless phone over a first network using the long range communication element, the pseudo account identifier being generated a server computer, wherein generation of the pseudo account identifier by the server computer and retrieval of the pseudo account identifier by the portable wireless phone is transparent to the user such that the users does not know the pseudo account identifier is received; and
transmitting the pseudo account identifier to an access device comprising a reader using the short range communication element, wherein the access device thereafter sends an authorization request message comprising the pseudo account identifier to a payment processing network over a second network, wherein the payment processing network converts the pseudo account identifier in the authorization request message back to the account identifier, wherein the payment processing network sends the authorization request message including the account identifier to an issuer associated with the selected account, wherein the issuer generates an authorization response message and sends the authorization response message to the payment processing network, and wherein the access device thereafter receives the authorization response message indicating whether the proximity transaction is approved or not approved.

11. The portable wireless phone of claim 10 further comprising a user interface module, wherein the user interface module allows the user to select the account from at least one account of the user.

12. The portable wireless phone of claim 10 wherein the memory coupled to the processor further comprises computer code for enabling and disabling the portable wireless phone.

13. A method comprising:
receiving, by a server computer, a request for retrieving a pseudo account identifier corresponding to a consumer's account identifier, wherein the request is received over a first network, wherein the request for the pseudo account identifier is automatically generated by a portable wireless phone in response to a selection by a consumer of an account associated with the consumer's account identifier;
generating, by the server computer, the pseudo account identifier corresponding to the consumer's account identifier;
storing, by the server computer, the generated pseudo account identifier as being associated with the consumer's account identifier;
sending, by the server computer, the generated pseudo account identifier to the portable wireless phone over the first network, wherein the portable wireless phone is thereafter capable of performing one or more transactions by transmitting the pseudo account identifier to an access device using a contactless transmitter of the portable wireless phone and a contactless receiver of the access device, and wherein generation of the pseudo account identifier by the server computer and retrieval of the pseudo account identifier by the portable wireless phone is transparent to the consumer such that the consumer does not know the pseudo account identifier is received;
receiving, by the server computer, an authorization request message for a transaction, the authorization request message comprising the pseudo account identifier over a second net

Assignees

• Carlson Mark
• Visa Int Service Ass

Inventors

• Carlson Mark

Classifications

• G06Q20/04 Primary

  Payment circuits · CPC title

• G06Q20/385 Primary

  using an alias or single-use codes · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/403

  Solvency checks · CPC title

• G06Q40/12

  Accounting · CPC title