US Patent 10078835 Authentication token for wallet based transactions

Transaction address data is received at a point of interaction (POI) device, from a payment-enabled mobile device. The transaction address data includes first address data and second address data. The first address data identifies a wallet service provider that is associated with the payment-enabled mobile device. The second address data indicates an internet address for a server function present in the payment-enabled mobile device. The first address data is used to dispatch the second address data from the POI device to the wallet service provider.