Is a
Patent attributes
Current Assignee
Patent Jurisdiction
Patent Number
Patent Inventor Names
Charles Carter Jernigan0
Seth Priebatsch0
Date of Patent
April 8, 2014
0Patent Application Number
139602600
Date Filed
August 6, 2013
0Patent Citations Received
Patent Primary Examiner
Patent abstract
Payment tokens designed for display on a consumer's mobile device include dynamic trust data (e.g., transaction history and/or token generation date) along with financial account information, enabling merchants to make an informed decision about whether to accept payment without communication with the central processing system, and also protecting the consumer's account information from theft. In particular embodiments, a displayed token is used for payment via one communication channel (i.e., the merchant's network) but tokens are flagged for expiration via a different network (i.e., a public wireless telephone network).
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