SYSTEMS AND METHODS FOR WIRELESS AUTHORIZATION OF TRANSACTIONS WITH MOBILE PAYMENT DEVICES

SYSTEMS AND METHODS FOR WIRELESS AUTHORIZATION OF TRANSACTIONS WITH MOBILE PAYMENT DEVICES

Methods for authorizing wireless payment transactions that include encrypting, with an encryption module on the mobile payment device, a payment account token stored on a mobile payment device and a session key generated on the mobile payment device with a public key. The methods also include transm...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: KOUZNETSOV, Denis, SAGADY, Cary M, SIMPKINS, Joseph A
Format: Patent
Sprache:eng ; fre ; ger
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
ELECTRIC COMMUNICATION TECHNIQUE
ELECTRICITY
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHICCOMMUNICATION
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Beschreibung
Zusammenfassung:Methods for authorizing wireless payment transactions that include encrypting, with an encryption module on the mobile payment device, a payment account token stored on a mobile payment device and a session key generated on the mobile payment device with a public key. The methods also include transmitting the encrypted payment account token and session key to a vending machine, further encrypting, with the vending machine, the encrypted payment account token and session key with a device key, and transmitting, from the vending machine, the encrypted payment account token and session key to a central server. The methods further include decrypting the payment account token and session key with the device key and with a private key stored at the central server and sending an authorization determination and session key from the central server to the vending machine based on the decrypted payment account token and session key.