Patent ID: 11961075
Assignee: ROYAL BANK OF CANADA
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 11:
12. A first user mobile communication device comprising:
at least one wireless transceiver;
at least one data processor;
at least one user input system, and
at least one persistent memory device, the at least one persistent memory device comprising stored data representing at least:
at least one authorization data set configurable to comprise data representing at least an authorized transaction limit, a delimiter operand for limiting a tokenized transaction data set, a location reference for denoting an external memory location where transaction payment data is stored, and one or more secure identifiers associated with a transaction payment account; and
one or more sets of machine-interpretable instructions;, the at least one data processor adapted, by execution of one or more sets of stored, machine-interpretable instructions to:

receive payment transaction details from a merchant device for a payment transaction, the payment transaction details comprising at least a transaction value and a merchant identifier;
send a payment transaction request to a second user mobile communication device, the transaction request comprising data elements associated with the payment transaction with the merchant system, said data elements including at least the transaction value and the merchant identifier;
receive from the second user mobile communication device data representing a tokenized transaction data set, the tokenized transaction data set comprising data representing an authorized transaction value, the delimiter operand, the location reference, the merchant identifier, and at least one secure identifier, the tokenized transaction data set useable by a transaction adjudication system for adjudicating completion of the payment transaction, wherein the delimiter operand is configured to control the adjudication of the transaction by the transaction adjudication system;
route the tokenized transaction data set to the transaction adjudication system, via the at least one wireless transceiver, for use in adjudicating the payment transaction using the transaction payment account, wherein the merchant system securely obtains the transaction payment data from the external memory location associated with the location reference when the second mobile communication device routes the tokenized transaction data set to the transaction adjudication system; and
receive a message comprising an indication of an outcome of the transaction, the message received from at least one of:
the transaction adjudication system;
the merchant system; and
the second user mobile device.