Systems, methods and computer program products for secure contactless payment transactions
US12288213B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Mar 16, 2022 |
| Grant date | Apr 29, 2025 |
| Priority date | — |
| Expiry date | Sep 26, 2042 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04W12/66
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
The invention provides methods, systems and computer program products for implementing an electronic payment transaction between mobile communication device and a NFC enabled merchant device, both of which are configured to implement a defined communication protocol. The invention implements the required functionality by (i) receiving a request for a trust token from a merchant device, (ii) determining whether the merchant device is trustworthy, (iii) responsive to a determination that the merchant device is trustworthy, generating and transmitting a first displayable trust token to the merchant device, (iv) receiving a second displayable token from the mobile communication device, (v) comparing the received second displayable token against the first displayable token, and generating a merchant device validation message based on the comparison, and (vi) transmitting the merchant validation decision message to the mobile communication device.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.