Anonymous mobile payments

摘要

Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an anonymous payment for a specified value from a host. In response, the host may transmit to the provider a code that is available for redemption. The provider may then relay the code to a recipient, who may redeem the code from the host. In other aspects, a recipient may request a temporary identifier (special code) from a host. The recipient may relay the temporary identifier to a provider, who may in turn transmit a payment, via the host, using the temporary identifier. The recipient may then claim the payment from the host. In additional aspects, the codes of the anonymous payments may include expiration times and/or restrictions on a number of uses of the code.

主权项

1. A computer-implemented method comprising:
receiving, at a payment server, a temporary identifier request from at least one device associated with a payment recipient, the temporary identifier request being associated with at least one piece of information that identifies the payment recipient; selecting a temporary identifier from a list of available identifiers, the selected temporary identifier usable to enable a payment provider to route an anonymous payment from the payment provider to the payment recipient without an exchange of personal information between the payment provider and the payment recipient; associating the selected temporary identifier with the at least one piece of information; sending the selected temporary identifier to the at least one device associated with the payment recipient; receiving a payment request from at least one other device associated with the payment provider, the payment request including at least a payment amount and the selected temporary identifier; and causing, based at least in part on the association between the selected temporary identifier and the at least one piece of information, a transfer of the payment amount from an account associated with the payment provider to an account associated with the selected temporary identifier.