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. 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. The checkout application 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 using a cryptogram.

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) adapted to communicate with the mobile communication device; and a checkout application installed on the mobile communication device and adapted: to be launched in response to receiving information corresponding to a purchase transaction; to receive user payment information, including magnetic stripe data, from a magnetic stripe transporter (MST) embedded in or in communication with the mobile communication device, wherein a cryptogram is generated at the time of the purchase transaction and included in the magnetic stripe data to secure the magnetic stripe data; and to communicate with the checkout server and cause the checkout server to complete the purchase transaction using the magnetic stripe data from the magnetic stripe transporter.