TECHNIQUES FOR SECURE MOBILE PAYMENT
Techniques for secure mobile payment are provided. A credit or gift card is registered for additional security, such that a secure identifier or personal identification number (PIN) is required for use of the credit or gift card. Registration is not required or even known by the third-party payment service associated with the card. Subsequently, when a consumer attempts to use the card and before payment instructions are sent to the corresponding third-party payment service, the secure identifier or PIN is requested and verified. If properly verified, the payment instructions are forwarded for processing by the third-party payment service.
1 - 11 . (canceled)
12 . A processor-implemented method programmed in memory or a non-transitory processor-readable medium and to execute on one or more processors of a Point-Of-Sale (POS) terminal configured to execute the method, comprising:
receiving, by the POS terminal, a request to complete a transaction; and
facilitating, by the POS terminal, a payment to complete the transaction using an added security procedure that is unknown to a third-party payment service associated with the payment.
13 . The method of claim 12 , wherein receiving further includes obtaining a token from a mobile device of a consumer that is performing the transaction at the POS terminal.
14 . The method of claim 13 , wherein obtaining the token further includes forwarding the token to a proxy that resolves payment details based on the token, the proxy interacting with a third-party payment service to obtain the payment.
15 . The method of claim 12 , wherein receiving further includes prompting a consumer to enter security information associated with the request.
16 . The method of claim 12 , wherein receiving further includes asking a consumer to register security information associated with the request.
17 . The method of claim 16 , wherein asking further includes passing a token to a mobile device of the consumer for the consumer to provide with the security information to complete subsequent transactions.
18 - 20 . (canceled)