US 11,887,073 B2
Securely storing and using sensitive information for making payments using a 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., Milpitas, CA (US)
Filed on Aug. 31, 2020, as Appl. No. 17/008,272.
Application 17/008,272 is a continuation in part of application No. 14/695,011, filed on Apr. 23, 2015, granted, now 10,796,302.
Claims priority of provisional application 61/983,252, filed on Apr. 23, 2014.
Claims priority of application No. 202041007533 (IN), filed on Feb. 21, 2020.
Prior Publication US 2020/0394621 A1, Dec. 17, 2020
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/08 (2012.01); G06Q 20/02 (2012.01); G06Q 20/38 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 30/018 (2023.01); H04L 9/08 (2006.01); G06Q 20/40 (2012.01); G06F 7/58 (2006.01)
CPC G06Q 20/0855 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/34 (2013.01); G06Q 20/3827 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/401 (2013.01); G06Q 30/0185 (2013.01); H04L 9/085 (2013.01); G06F 7/588 (2013.01); G06Q 2220/00 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A method for processing a transaction by a mobile device, the method comprising:
receiving, by the mobile device, payment information;
generating, by the mobile device, a local payment fragment, the local payment fragment being a random number;
generating, by the mobile device, a remote payment fragment using the payment information and the local payment fragment according to a secret sharing scheme, wherein the remote payment fragment and the local payment fragment are combinable to recover the payment information;
sending, by the mobile device, the remote payment fragment for storage at a secure payment system;
responsive to sending the remote payment fragment for storage at the secure payment system, deleting, by the mobile device, the remote payment fragment from a memory of the mobile device;
storing, by the mobile device, the local payment fragment in the memory of the mobile device; and
responsive to receiving a request to initiate the transaction, sending, by the mobile device, the local payment fragment to the secure payment system, the secure payment system configured to combine the remote payment fragment with the local payment fragment to recover the payment information.