SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS
A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and/or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.
1 - 20 . (canceled)
21 . A method of interfacing with a computer system for performing electronic transaction authorization, comprising:
receiving, by a mobile device, authentication information from a user via an authentication input system of the mobile device;
responsive to authorizing the user with the authentication information, the mobile device providing, to the computer system, a unique authorization code corresponding to physical hardware of the mobile device;
responsive to providing the unique authorization code, the mobile device receiving paired transaction account data from the computer system, wherein the paired transaction account data indicates a plurality of transaction accounts that are authorized for transactional use by the user and a payment processor on the mobile device;
receiving, at the mobile device, a selection by the user of a particular one of the plurality of transaction accounts; and
transmitting, by the mobile device, a transaction authorization request that specifies an identity of a merchant and an amount of payment for a particular transaction.
22 . The method of claim 21 , wherein the computer system includes a mobile gateway configured to receive data over a network and a payment processor configured to process transactions.
23 . The method of claim 22 , wherein the paired transaction account data is received from the mobile gateway.
24 . The method of claim 21 , wherein the unique authorization code includes an electronic serial number.
25 . The method of claim 21 , wherein the mobile device does not store the paired transaction account data prior to the receiving the paired transaction account data from the computer system.
26 . The method of claim 21 , further comprising:
receiving, from the computer system, an authorization for the particular transaction.
27 . The method of claim 26 , wherein the authorization applies only for the particular transaction.
28 . The method of claim 26 , wherein the authorization applies to a plurality of transactions including the particular transaction.
29 . A system comprising:
a processor; and
a memory coupled to the processor, wherein the memory has stored thereon instructions that are executable by a mobile device to perform operations comprising:
receiving authentication information from a user via an authentication input system of the mobile device;
responsive to authorizing the user with the authentication information, providing a unique authorization code corresponding to physical hardware of the mobile device to a computer system;
responsive to providing the unique authorization code, receiving paired transaction account data from the computer system, wherein the paired transaction account data indicates a plurality of transaction accounts that are authorized for transactional use by the user and a payment processor on the mobile device;
receiving a selection by the user of a particular one of the plurality of transaction accounts; and
transmitting a transaction authorization request to the computer system that specifies an identity of a merchant and an amount of payment for a particular transaction.
30 . The system of claim 29 , wherein the transaction authorization request includes transaction information corresponding to the particular transaction and an identification of the particular one of the plurality of transaction accounts.
31 . The system of claim 30 , wherein the operations further comprise:
encrypting the transaction authorization request prior to transmitting the transaction authorization request to the computer system.
32 . The system of claim 29 , wherein the operations further comprise:
responsive to the transmitting the transaction authorization request, receiving an authorization for the particular transaction.
33 . The system of claim 29 , wherein the operations further comprise:
decrypting the paired transaction account data responsive to receiving the paired transaction account data at the mobile device.
34 . A non-transitory computer-readable medium having stored thereon instructions executable by a mobile device to cause the mobile device to perform operations comprising:
receiving authentication information from a user via an authentication input system of the mobile device;
responsive to authorizing the user with the authentication information, providing a unique authorization code corresponding to physical hardware of the mobile device to a computer system;
responsive to providing the unique authorization code, receiving paired transaction account data from the computer system, wherein the paired transaction account data indicates a plurality of transaction accounts that are authorized for transactional use by the user and a payment processor on the mobile device;
receiving a selection by the user of a particular one of the plurality of transaction accounts; and
transmitting a transaction authorization request to the computer system that specifies an identity of a merchant and an amount of payment for a particular transaction.
35 . The non-transitory computer-readable medium of claim 34 , wherein the receiving the authentication information from the user include receiving a personal identification number (PIN) from the user.
36 . The non-transitory computer-readable medium of claim 34 , wherein the operations further comprise:
responsive to the transmitting the transaction authorization request to the computer system, receiving an authorization to execute the particular transaction.
37 . The non-transitory computer-readable medium of claim 34 , wherein the unique authorization code includes an electronic serial number.
38 . The non-transitory computer-readable medium of claim 34 , wherein the operations further comprise:
transmitting a second authorization request to conduct a second transaction with a second merchant, wherein the second authorization request includes second transaction information corresponding to the second transaction and an identification from the mobile device of a second of the plurality of transaction accounts.
39 . The non-transitory computer-readable medium of claim 34 , wherein the operations further comprise:
receiving a digital receipt corresponding to the particular transaction; and
storing the digital receipt in a memory of the mobile device.
40 . The non-transitory computer-readable medium of claim 39 , wherein the operations further comprise:
transmitting the digital receipt to the merchant.