Quick payment using mobile device binding

摘要

Methods and systems are provided for secure device binding that provides user convenience through avoiding repetitive logging in when changing apps or moving from website to website. A mobile device undergoes binding to an account so that customers do not always have to enter their password when going through a financial transaction process, on a known (e.g., registered) mobile device. A device may be bound during an initial login, and once logged in, the user can select an option to be “remembered” so that the user need not re-login on the same device for future visits with an app or to a website that shares the service provider library.

主权项

1. A system comprising:
a computer processor of a service provider, for communicating over a network with a user device, wherein the computer processor executes a process for: binding the user device to a user account at an app level with a device-unique identifier unique to the user device by:
associating, by the computer processor of the service provider, the user device and the user account with a first application running on the user device; andmaintaining, by the computer processor of the service provider, a transaction history for identifying the first application and the associated user device and user account that a payment was made from; and maintaining a secure connection with the user device, based on the app level binding, including the transaction history, of the user device to the user account and the first application, when a user switches between the first application on the user device and a second application running on the user device and binding, at the app level, including maintaining a second transaction history for identifying the second application, the user device to the user account and the second application so that no login to the second application is required for the second application also to be associated with the user device and the user account, wherein: in response to receiving a user input not to opt in communicated from the user device over the network, the processor communicates an option to create a personal identification number (PIN) to the user device over the network.