Mobile payment system

摘要

During a financial transaction, a customer provides an identifier to a peripheral device (which may be a barcode scanner, a wireless receiver or a keyboard) coupled to the point-of-sale terminal. This identifier corresponds to a one-time payment credential token that includes financial information of the customer. Then, a service object executing on the point-of-sale terminal, which acts as a driver for the peripheral device, performs one or more operations based on at least the identifier to obtain the financial information. After providing the financial information and transaction information associated with the financial transaction to a financial institution specified in the financial information, the point-of-sale terminal receives a confirmation from the financial institution that the financial transaction has been completed.

主权项

1. A point-of-sale-terminal-implemented method for conducting a financial transaction, the method comprising:
receiving a one-time payment credential token associated with a customer from a portable electronic device via a peripheral device coupled to the point-of-sale terminal and a service object executing on the point-of-sale terminal, wherein the service object acts as a driver for the peripheral device, wherein the peripheral device includes a barcode scanner that scans a barcode that includes the one-time payment credential token, wherein the barcode represents a sequence of 11 digits,
wherein the one-time payment credential token is generated by a trusted execution environment executing a technique known to a third party on the portable electronic device, and wherein said technique does not need to connect to the third party prior to the financial transaction, andwherein the one-time payment credential token includes financial information of the customer, wherein the financial information includes a 6-digit bank identification number, a virtual account number, an expiration date, and a card verification code; performing one or more operations based on at least the one-time payment credential token to obtain the financial information; using the point-of-sale terminal, providing the financial information and transaction information associated with the financial transaction to a financial institution specified in the financial information; and receiving a confirmation that the financial transaction has been completed.