SECURE PROXIMITY EXCHANGE OF PAYMENT INFORMATION BETWEEN MOBILE WALLET AND POINT-OF-SALE
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United States of America Patent
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Issued Date -
Nov 5, 2015
app pub date -
Apr 30, 2014
filing date -
Apr 30, 2014
priority date (Note) -
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Abstract
A method for processing payment is disclosed. The method includes obtaining, by a point-of-sale (POS) device from a certification authority, a certificate data item that identifies the POS device for completing a purchase by a consumer, generating a payment request containing the certificate data item, broadcasting the payment request via a wireless signal within a pre-determined range of the POS device for receiving by a mobile device of the consumer, where the mobile device stores payment credential of the consumer, receiving, by the POS device, an encrypted payment credential from the mobile device, where the encrypted payment credential is generated by the mobile device encrypting the payment credential based on the certificate data item, and decrypting the encrypted payment credential based on the certificate data item to retrieve the payment credential for processing the payment.
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