US 11,868,997 B2
Secure payments using a mobile wallet application
Subramanian Lakshmanan, San Jose, CA (US); Anbarasan P. Gounder, Fremont, CA (US); and Naveen Doraiswamy, Fremont, CA (US)
Assigned to Minkasu, Inc, Fremont, CA (US)
Filed by Minkasu, Inc., Fremont, CA (US)
Filed on Nov. 11, 2020, as Appl. No. 17/095,080.
Application 17/095,080 is a continuation of application No. 14/695,016, filed on Apr. 23, 2015, granted, now 10,861,009.
Claims priority of provisional application 61/983,238, filed on Apr. 23, 2014.
Prior Publication US 2021/0065173 A1, Mar. 4, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/32 (2012.01); G06Q 20/02 (2012.01)
CPC G06Q 20/3829 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/3823 (2013.01)] 27 Claims
OG exemplary drawing
 
1. A method, implemented on a mobile device, for authorizing a transaction with payment information, comprising:
generating a random private-public key pair including an asymmetric private key and an asymmetric public key;
providing to a secure payment system the asymmetric public key;
receiving an authenticating input from a user;
generating, by a one-way hashing function, a symmetric encryption key from the authenticating input;
encrypting the asymmetric private key using the symmetric encryption key to produce an encrypted private key;
storing, in a memory of the mobile device, the encrypted private key;
deleting the asymmetric private key, the asymmetric public key, the authenticating input, and the symmetric encryption key from the memory of the mobile device;
receiving a request to initiate a transaction and a subsequent authenticating input from the user; and
responsive to receiving the request to initiate the transaction:
re-generating, by the one-way hashing function, the symmetric encryption key from the subsequent authenticating input;
decrypting the encrypted private key with the symmetric encryption key to obtain the asymmetric private key;
generating a cryptographically signed message using the asymmetric private key, wherein the cryptographically signed message authorizes the transaction; and
providing, to the secure payment system, the cryptographically signed message.