US 12,488,341 B2
Virtualization and secure processing of data
Edison U. Ortiz, Orlando, FL (US); Terry W. Lee, Toronto (CA); and Linda Mantia, Toronto (CA)
Assigned to ROYAL BANK OF CANADA, Montreal (CA)
Filed by ROYAL BANK OF CANADA, Toronto (CA)
Filed on Jun. 10, 2024, as Appl. No. 18/739,165.
Application 18/739,165 is a continuation of application No. 18/109,030, filed on Feb. 13, 2023, granted, now 12,008,566.
Application 18/109,030 is a continuation of application No. 17/080,197, filed on Oct. 26, 2020, granted, now 11,615,414, issued on Mar. 28, 2023.
Application 17/080,197 is a continuation of application No. 14/705,477, filed on May 6, 2015, granted, now 10,846,692, issued on Nov. 24, 2020.
Application 14/705,477 is a continuation of application No. 14/287,134, filed on May 26, 2014, abandoned.
Application 14/287,134 is a continuation of application No. 14/056,440, filed on Oct. 17, 2013, granted, now 9,082,119, issued on Jul. 14, 2015.
Application 14/705,477 is a continuation of application No. 14/056,440, filed on Oct. 17, 2013, granted, now 9,082,119, issued on Jul. 14, 2015.
Claims priority of provisional application 61/863,593, filed on Aug. 8, 2013.
Claims priority of provisional application 61/833,188, filed on Jun. 10, 2013.
Claims priority of provisional application 61/825,865, filed on May 21, 2013.
Claims priority of provisional application 61/811,783, filed on Apr. 14, 2013.
Claims priority of provisional application 61/715,142, filed on Oct. 17, 2012.
Prior Publication US 2024/0330924 A1, Oct. 3, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/40 (2013.01) [G06Q 20/322 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/36 (2013.01); G06Q 20/38215 (2013.01); G06Q 20/3823 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/385 (2013.01); G06Q 20/367 (2013.01); G06Q 20/3672 (2013.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A mobile communication device comprising:
at least one wireless communication system;
at least one data processor; and
at least one persistent memory device, the at least one persistent memory device comprising stored data representing at least:
at least one secure identification token, the at least one secure identification token comprising data associated with the mobile communication device;
at least one secure payment token, the at least one secure payment token comprising data representing at least a pre-authorized transaction amount and a payment service provider identifier associated with the pre-authorized transaction amount;
at least one authorization data set corresponding to a copy stored at a tokenization engine associated with the payment service provider; and
one or more sets of machine-interpretable instructions;
the at least one data processor adapted, by execution of the one or more sets of stored, machine-interpretable instructions, to:
receive transaction information of a transaction from a point-of-sale (POS) device, the transaction information including a purchase amount;
access the at least one authorization data set;
configure the at least one secure identification token to comprise data from the at least one authorization data set;
send the configured secure identification token and the at least one secure payment token to the POS device; and
receive confirmation that the transaction is complete.