Electronic payment using a proxy account number stored in a secure element
US8566168B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Jan 5, 2012 |
| Grant date | Oct 22, 2013 |
| Priority date | — |
| Expiry date | Jan 5, 2032 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/385
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A near field communication payment method using a proxy account number. The method comprises transmitting a proxy account number from a secure element of a mobile phone to a point-of-sale terminal using a near field communication radio link; transmitting the proxy account number from the point-of-sale terminal to a payment mediation server; transmitting the proxy account number from the payment mediation server to a proxy account manager; determining a selected payment account number by the proxy account manager based in part on retrieving a plurality of payment account numbers from a proxy account number data store using the proxy account number; transmitting the selected payment account number to the payment mediation server by the proxy account manager; and the payment mediation server completing a payment completion transaction with the point-of-sale terminal using the selected payment account number.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.