IP Library Granted Patent US 9,330,388
Granted Patent B2
US 9,330,388 · App. 13/168,764 · Granted May 3, 2016

Facilitating establishing trust for conducting direct secure electronic transactions between a user and airtime service providers

Inventors: Satyan G. Pitroda (Oakbrook, IL); Mehul Desai (Westmont, IL)
Assignee: MasterCard Mobile Transactions Solutions, Inc.
G06Q20/3829G06Q20/02G06Q20/045G06Q20/0453G06Q20/10G06Q20/12G06Q20/145G06Q20/32G06Q20/322G06Q20/327G06Q20/3223G06Q20/367G06Q20/3674G06Q20/382G06Q20/40G06Q20/42G06Q30/06H04L63/0428H04L63/06H04L63/08
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Quick Facts
Patent No.
US 9,330,388
App. No.
13/168,764
Granted
May 3, 2016
Kind
B2
Abstract

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Claims (11)

1. A method of establishing trust among a user, a device, and an airtime service provider, comprising:

establishing trust between a transaction service provider and an electronic transaction facility deployed on a mobile phone operated by the user comprising registering the electronic transaction facility with the transaction service provider through a registration process that includes the transaction service provider certifying keys generated by the electronic transaction facility, wherein the keys comprise electronic transaction facility identification information;

establishing trust between the transaction service provider and the user via the trusted electronic transaction facility comprising receiving, decrypting and authenticating a confirmation of secure user access to the electronic transaction facility, the confirmation comprising an encryption of a user-specific code known to the transaction service provider, the user-specific code input by the user to the electronic transaction facility and encrypted by the electronic transaction facility with the code;

establishing initial trust between the transaction service provider and an airtime service provider comprising transmitting security certificates between the transaction service provider and the airtime service provider and installing the security certificates as trusted SSL/HTTPS credentials; and

in response to the user opting to avail an airtime transaction service from the airtime service provider, dynamically establishing direct secure transaction trust between the trusted electronic transaction facility and the trusted airtime service provider by the transaction service provider transmitting a certificate representing the electronic transaction facility's security credentials to the trusted airtime service provider and providing a certificate representing the airtime service provider's security credentials to the electronic transaction facility, wherein the airtime transaction service is secured using at least one of the certificate representing the electronic transaction facility's security credential and the certificate representing the airtime service provider's security credentials provided representation of the established trust.

2. The method of claim 1 , wherein the user opting to avail a service of the airtime service provider references the airtime service provider.

3. The method of claim 2 , wherein transmitting the certificate includes transmitting the certificate to the airtime service provider referenced when the user opts to avail a service of the airtime service provider.

4. The method of claim 1 , wherein transactions conducted directly between the trusted electronic transaction facility and the trusted airtime service provider are securable with three-dimensional authentication.

5. The method of claim 4 , wherein three-dimensional authentication includes a separate security protocol for each of the user, the facility, and a transaction domain of the airtime service provider.

6. The method of claim 1 , wherein the service that the user opts to avail from the airtime service provider is an airtime service.

7. The method of claim 6 , wherein the service is a pre-paid airtime service.

Assignments (2)
CHANGE OF NAME Recorded Apr 28, 2015
From: C-SAM, INC.
To: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
Reel/Frame 035521/0138 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 14, 2011
From: PITRODA, SATYAN G., MR.; DESAI, MEHUL, MR.
To: C-SAM, INC.
Reel/Frame 026907/0085 →
Continuity (5)
Continuation 11539024 · Oct 5, 2006
Continuation In Part 10284676 · Oct 31, 2002
Continuation In Part 09766221 · Jan 19, 2001
Provisional Application 60724066 · Oct 6, 2005
Related Publication 20120005077A1 · Jan 5, 2012