Jeffrey R Lee

US Patent:

20150348022, Dec 3, 2015

Filed:

Sep 2, 2014

Appl. No.:

14/475375

Inventors:

- Cupertino CA, US
Jerrold V. Hauck - Windermere FL, US
George R. Dicker - Sunnyvale CA, US
Jeffrey C. Lee - Rockledge FL, US
Mitchell D. Adler - Los Gatos CA, US
Wade Benson - San Jose CA, US

International Classification:

G06Q 20/38
G06Q 20/40
G06Q 20/32

Abstract:

A system for provisioning credentials onto an electronic device is provided. The system may include a payment network subsystem, a service provider subsystem, and one or more user devices that can be used to perform mobile transactions at a merchant terminal. The user device may communicate with the service provider subsystem in order to obtained commerce credentials from the payment network subsystem. The user device may include a secure element and a corresponding trusted processor. The trusted processor may generate a random authorization number and inject that number into the secure element. Mobile payments should only be completed if the random authorization number on the secure element matches the random authorization number at the trusted processor. The trusted processor may be configured to efface the previous random authorization number and generate a new random authorization number when detecting a potential change in ownership at the user device.