Systems and methods for convenient and secure mobile transactions
US9276910B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 19, 2013 |
| Grant date | Mar 1, 2016 |
| Priority date | — |
| Expiry date | Mar 29, 2034 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q2220/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems and methods for conducting convenient and secure mobile transactions between a payment terminal and a mobile device, e.g., in a fueling environment, are disclosed herein. In some embodiments, the payment terminal and the mobile device conduct a mutual authentication process that, if successful, produces a session key which can be used to encrypt sensitive data to be exchanged between the payment terminal and the mobile device. Payment and loyalty information can be securely communicated from the mobile device to the payment terminal using the session key. This can be done automatically, without waiting for the user to initiate a transaction, to shorten the overall transaction time. The transaction can also be completed without any user interaction with the mobile device, increasing the user's convenience since the mobile device can be left in the user's pocket, purse, vehicle, etc.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.