| 摘要 |
Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements. Information associated with particular payment means, such as accounts or payment tokens, can be stored, for example, in a data set, usually secure, sometimes referred to as a virtual or electronic wallet, or a secure payment token. |
| 主权项 |
1. A mobile communication device comprising:
at least one wireless communication system; at least one data processor; and at least one persistent memory device, the at least one persistent memory device comprising stored data representing at least: at least one secure payment token, the at least one secure payment token comprising data representing at least an authorized transaction amount and a payment service provider by which a transaction in accordance with the amount was authorized; a plurality of protocol identifiers, each associated with a distinct one of a plurality of payment protocols; and one or more sets of machine-interpretable instructions; the at least one data processor adapted, by execution of the one or more sets of stored, machine-interpretable instructions, to: in accordance with a selection of a user of the mobile communication device, access one of the plurality of stored protocol identifiers, configure the at least one payment token for processing in accordance with the protocol associated with the accessed protocol identifier; and using the wireless communication system, route the configured payment token to a merchant transaction processing system. |
