| 摘要 |
To make a payment, a smartphone presents artwork for a payment card (e.g., a Visa card) that has been selected by a user from a virtual wallet of such cards. Encoded in the displayed artwork is payment information that has been encrypted with a context-dependent session key. A cooperating system (e.g., a retailer's point of sale system) uses a camera to capture an image of the artwork, and independently creates the session key from its own context sensor(s), enabling decryption of the payment information. Such technology provides a superior transaction security model at a fraction of the cost of competing chip card payment systems (which require, e.g., expensive physical cards, and single-purpose reader hardware). A great variety of other features and arrangements are also detailed. |
| 主权项 |
1. A method employing a user's portable device, the device including a display and a sensor module, the method including the acts:
presenting a payment user interface using the display, the user interface identifying plural virtual wallet cards including plural payment service cards, said payment service cards representing plural possible payment services including at least one of American Express, VISA and MasterCard, the user interface enabling a user to select a desired one of said payment services for issuing a payment; generating context-based authentication data, the authentication data depending in part on data from the device sensor module; presenting artwork using the display, the artwork indicating the selected payment service and including a logo for American Express, Visa, or MasterCard; and providing information, including both the context-based authentication data and data corresponding to the selected payment service, from the device to a cooperating system, in connection with issuing a payment; wherein: the logo in the presented artwork confirms to the user that the desired payment service has been selected for a payment; and the method enables the user to issue payments using a user-selected one of said plural payment services, without requiring the user to carry plural physical cards for said payment services. |
