Patent ID: 11868981
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 0:
1. A method, comprising:
providing, by an information processor to a plurality of mobile computing devices, software having instructions that, when executed, configure the plurality of mobile computing devices;
receiving, by the information processor from one configured mobile computing device of the plurality of mobile computing devices, an encrypted transaction payload including transaction information representing at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer, wherein the transaction payload is encrypted using at least an original equipment manufacturer (“OEM”) device credential associated with the one configured mobile computing device;
decrypting, by the information processor, the transaction payload using at least the OEM device credential associated with the one configured mobile computing device;
determining among a plurality of issuers, by the information processor, an issuer of the transaction account and a predetermined payment service provider;
validating, by the information processor, information in the encrypted transaction payload by transmitting at least some of the information in the transaction payload to a computing device associated with the issuer of the transaction account and receiving, in response from the computing device associated with the issuer, an issuer credential;
encrypting, by the information processor, the transaction payload using the issuer credential;
transmitting, by the information processor via the predetermined payment service provider, the transaction payload that is encrypted with the issuer credential to the computing device associated with the issuer;
receiving, by the information processor from the computing device associated with the issuer, approval of the transaction; and
transmitting, by the information processor, approval information to the one configured mobile computing device for notifying the merchant that the transaction is approved.