Techniques for conducting single or limited use purchases via a mobile device

Patent metadata

Field	Value
Publication number	US-11144916-B2
Application number	US-91397410-A
Country	US
Kind code	B2
Filing date	Oct 28, 2010
Priority date	Oct 28, 2010
Publication date	Oct 12, 2021
Grant date	Oct 12, 2021

Abstract

A customer uses a mobile device to acquire a mobile app thereon. The mobile device is configured by a cloud-based service to escrow one or more card numbers mapped by a financial facility to the customer's primary account's number. Further security limitations can be configured into the mobile app by the cloud-based service. Subsequently, the customers uses the mobile app at a point-of-sale location to access one or more of the escrowed card numbers to make purchases; these purchases can be made while the mobile device lacks any connectivity to a network.

First claim

The invention claimed is:

1. A method for enforcing security on purchases, the method executed by one or more processors of a cloud processing environment and executed by one or more processors of a mobile device, the method comprising:
receiving, by executable instructions represented as a cloud-based mobile device purchasing configuring service that executes on the one or more processors of the cloud processing environment, a request for initial configuration of a mobile application that processes on the mobile device of a customer, the request received from the mobile device and the mobile device one of: a smart phone operated by the customer and a tablet operated by the customer;
acquiring by the cloud-based mobile device purchasing configuring service, a policy comprising security restrictions that are to be enforced during usage of the mobile application;
obtaining, by the cloud-based mobile device purchasing configuring service, access rights defining who can change the policy and defining what can be changed within the policy; and
sending, by the cloud-based mobile device purchasing configuring service, configuration instructions that comprise the security restrictions to the mobile device when the mobile application is activated on the mobile device; and
managing, by the cloud-based mobile device purchasing configuring service, any changes requested in the policy and the security restrictions based on the access rights;
wherein the mobile application executed by the one or more processors of the mobile device based on the configuration instructions causes the one or more processors of the mobile device to perform operations comprising:
configuring for interaction with the cloud-based mobile device purchasing configuring service by processing the configuration instructions;
recording any mobile device transactions made by the mobile application pursuant to licensing restrictions that are also defined in the configuration instructions;
acquiring and then encrypting a plurality of single use card numbers, each single use card number maps to a personal account number (PAN) at a financial institution for the customer;
storing the single use card numbers in an encrypted data store on the mobile device;
recording a purchase made with a particular stored single use card number at a point-of-sale location and enforcing the licensing restrictions during the purchase;
enforcing any transaction and vendor limits placed on purchases with the single use card numbers;
processing a second purchase with the mobile device using a second single use card number without regard as to whether the mobile device has a cellular connection to or has access to a Wide-Area Network (WAN) connection to the cloud processing environment through interaction between the mobile device and a Point-Of-Sale (POS) terminal;
charging an extra fee for each transaction that exceeds a predefined threshold number of transactions, and thereby enforcing security on purchases made with the single use card numbers, wherein the PAN is not loaded on the mobile device;
requiring a Personal Identification Number (PIN) be supplied by the customer each time one of the single use cards are presented on a display of the mobile device;
requiring the PIN each time the mobile device reloads a given presentation of a given presented single use card within the display of the mobile device; and
upon exhaustion of the single use cards on the mobile device and a selection made by, the user through the mobile application, obtaining one or more additional single use cards from the financial institution after entry of the PIN by the user, each additional single use card mapped to the PAN.

2. The method of claim 1 , wherein receiving further includes acquiring a fee for usage of the mobile application on the mobile device.

3. The method of claim 1 , wherein acquiring the policy further includes obtaining the licensing restrictions defining usage limitations on the mobile application from the policy.

4. The method of claim 1 , wherein acquiring the plurality of single use card numbers further includes obtaining a secure connection interface to the financial institution that is provided in the configuration instructions allowing the mobile application to directly interface with the financial institution via the mobile application to download the particular single use card number.

5. The method of claim 1 , wherein acquiring the policy further includes obtaining at least a portion of the policy from an administrator, from the customer, and/or from an agent of the customer.

6. The method of claim 1 , wherein sending further includes providing the configuration instructions to the mobile device, the mobile application accessing the configuration instructions on the mobile device to configure itself on the mobile device for initial use.

7. The method of claim 1 , wherein sending further includes providing the configuration instructions to a computer of the customer, the computer interfaced to the mobile device, the mobile device a different device from the computer, and the mobile device subsequently interfaced to the computer and the configuration instructions provided to the mobile application to configure itself on the mobile device for initial use.

Assignees

• Kobres Erick
• Ncr Corp

Inventors

• Kobres Erick

Classifications

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/385 Primary

  using an alias or single-use codes · CPC title