| 主权项 |
1. A method for processing a secure mobile payment transaction conducted at a location operated by a merchant comprising the steps of:
in association with a registration event that is completed prior to the secure payment transaction, receiving, at a web server of a secure payment service computing device from a consumer, an issuer primary account number (PAN), the issuer PAN stored in a settings database of the secure payment service computing device and associated with the consumer, the secure payment service computing device comprising:
a transaction gateway for receiving and processing payment transactions,the web server having a network interface for receiving and processing messages received from Internet sources in connection with the registration event,a messaging server having a network interface for communicating with a mobile device of the consumer, andthe settings database for storing settings from one or more of a merchant, an issuer, a payment network, a payment acquirer, and a gateway; receiving at the web server of the secure payment service computing device from a consumer in connection with the registration event, one or more of a mobile PIN and one or more mobile device identifiers, the one or more of the mobile PIN and the one or more mobile device identifiers stored in the settings database of the secure payment computing device and associated with the issuer PAN; in connection with a secure mobile payment transaction conducted after the registration event, receiving payment data at the transaction gateway of the secure payment service computing device, the payment data received from a computing device at the location operated by the merchant, the payment data comprising a mobile PAN which is associated with the issuer PAN; analyzing the payment data with the transaction gateway of the secure payment service computing device to identify the payment data as comprising the mobile PAN; upon identifying the payment data as comprising the mobile PAN, the secure payment service computing device:
communicating an approval request to a mobile device of the consumer, the mobile device associated with one of the one or more mobile device identifiers and operable to receive one or more of the mobile PIN and the a biometric factor of the consumer, the approval request transmitted using the messaging server of the secure payment computing device;receiving an approval response in the form of a token from the mobile device of the consumer, the approval response received by the messaging server of the secure payment computing device, the token transmitted from the registered mobile device as an indication that the consumer has approved the payment transaction with one of the mobile PIN or the biometric factor of the consumer, the token transmitted in lieu of transmitting the one of the mobile PIN or the biometric factor;after receiving the approval response from the consumer's mobile device, the transaction gateway of the secure payment service computing device replacing the mobile PAN with the issuer PAN and transmitting the payment data and the issuer PAN to a payment network for processing; andafter transmitting the payment data and the issuer PAN to the payment network for processing, the secure payment service computing device transmitting a payment confirmation to the merchant. |
