MOBILE CHECKOUT SYSTEMS AND METHODS

摘要

A mobile checkout system and method for completing a purchase transaction to purchase items from an internet merchant. A user browses and selects items for purchase from the merchant through a shopping application or browser (mobile or PC). During the processing of the transaction, a checkout application installed on a mobile communication device is launched. The checkout application receives a checkout token created by a checkout server that identifies the purchase transaction. After user authentication, the system uses this token and communicates with the checkout server to cause the checkout server to complete the purchase transaction, in which payment data is securely transmitted and wherein a one-time-use cryptogram can be part of the payment information.

主权项

1. A checkout system implemented on a mobile communication device including a merchant application or browser application available on the mobile communication device and adapted to allow a user to select items to purchase from a merchant, comprising:
a communication processor in communication with a checkout server hosting one or more web service checkout application program interfaces (APIs), the communication processor further being in communication with the mobile communication device; and a checkout application installed on the mobile communication device and launched in response to receiving information corresponding to a purchase transaction, the checkout application receiving user authentication and causing payment information, including payment data found in magnetic stripe data, from a magnetic stripe transporter (MST) that is one of embedded in or in communication with the mobile communication device via an accessory, or from a checkout server, wherein a dynamic cryptogram is generated at the time of the purchase transaction and included in the payment information to secure the payment information as a one-time use payment information; and the checkout application in communication with the checkout server to complete the purchase transaction.