Secure Mobile-Based Financial Transactions

摘要

Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a payment server via a point-of-sale device to conduct a transaction. The mobile communications device uses a client payment logic to send payment information to the point-of-sale device. The point-of-sale device uses a vendor payment logic to forward the payment information to the payment server. The payment server verifies the payment information and sends confirmation to the point-of-sale device.

主权项

1. A mobile communications device comprising:
a processor; and a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprising
receiving, from a point-of-sale device, a one-time digital key and an amount associated with a transaction,generating a random number,generating a payment number by combining the one-time digital key with the random number, wherein combining the one-time digital key with the random number comprises mixing numbers of the one-time digital key with numbers of the random number,sending, to a payment server, a payment comprising the payment number and the amount, andreceiving, from the point-of-sale device, an acknowledgment of the payment, wherein the amount associated with the payment is deducted from an account associated with the mobile communications device.