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1. (US20190370802) PAYMENT INTERMEDIARY DEVICE USING DELEGATE TOKENIZATION

Office : United States of America
Application Number: 15997977 Application Date: 05.06.2018
Publication Number: 20190370802 Publication Date: 05.12.2019
Publication Kind : A1
IPC:
G06Q 20/38
G06Q 20/02
G06Q 20/16
G06Q 20/32
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
02
involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
16
Payments settled via telecommunication systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
32
using wireless devices
CPC:
G06Q 20/02
G06Q 20/38215
G06Q 20/3227
G06Q 20/3224
G06Q 20/16
Applicants: Enpulz, LLC
Inventors: James Duane Bennett
Bindu Rama Rao
Priority Data:
Title: (EN) PAYMENT INTERMEDIARY DEVICE USING DELEGATE TOKENIZATION
Abstract: front page image
(EN)

A secure payment infrastructure supporting delegate tokenization to carry out purchase transactions with a merchant website or point of sale terminal. A payer empowers a delegate to buy products from a merchant system on his behalf by provisioning the delegate with a delegate token and cryptogram. The payer's payment device hardware is bifurcated into a secure circuitry and a non-secure circuitry wherein the keys, tokens, cryptograms used in delegate tokenization, and software application controlling the delegate token-based purchase transactions are stored in the secure circuitry.