US 12,282,908 B2
System and method for peer-to-peer assistance in provisioning payment tokens to mobile devices
Saravana Perumal Shanmugam, Fremont, CA (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MasterCard International Incorporated, Purchase, NY (US)
Filed on Jul. 28, 2023, as Appl. No. 18/361,204.
Application 18/361,204 is a division of application No. 15/097,816, filed on Apr. 13, 2016, granted, now 11,823,161.
Prior Publication US 2023/0368173 A1, Nov. 16, 2023
Int. Cl. G06Q 20/22 (2012.01); G06Q 20/24 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); H04W 4/80 (2018.01)
CPC G06Q 20/2295 (2020.05) [G06Q 20/24 (2013.01); G06Q 20/3276 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/385 (2013.01); H04W 4/80 (2018.02); G06Q 2220/00 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A method comprising:
encrypting a payment token using a public encryption key of a second application program running in a second mobile device, wherein the public encryption key has a corresponding secret encryption key adapted to decrypt the encrypted payment token;
providing a first mobile device, the first mobile device running an application program for supervising usage of the encrypted payment token that has been provisioned to the second mobile device, said second mobile device different from said first mobile device, wherein the encrypted payment token is a surrogate value that replaces a primary account number in a payment transaction; and
operating the first mobile device to block usage of said payment token via the application program running in the first mobile device communicating with a second application program running in the second mobile device, wherein the communication includes: i) the first mobile device displaying a barcode and the second mobile device reading the displayed barcode from the first mobile device, and ii) based on the reading, transferring rules from the application running in the first mobile device to a second application program running in the second mobile device;
decrypting, by the second mobile device, the encrypted payment token using the corresponding secret encryption key;
initiating the payment transaction via the payment token of the second mobile device;
applying, by the second application, the rules to: 1. determine the payment transaction initiated by the payment token violates the rules, and 2. determine to transmit a notification of the determination; and
blocking, by the second application, the usage of the payment token in the payment transaction in response to the determination, by the second application, that the payment transaction initiated by the payment token violates the rules.