Patent ID: 11972433
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method of operating a payment accessory device, the payment accessory device operatively coupled to a smart speaker, the smart speaker for providing a voice- implemented intelligent personal assistant software service, the method comprising:
encrypting a payment token using a public key of the payment accessory device, wherein the public key has a corresponding secret encryption key adapted to decrypt the encryptedpayment token;
communicating with a remote server computer via a mobile device to receive in the mobile device the encrypted payment token associated with a PAN (primary account number) that identifies a payment account owned by a user of the mobile device, wherein the mobile device lacks the secret encryption key;
provisioning the encrypted payment token from the mobile device to the payment accessory device while positioning the mobile device for radio data communication with the payment accessory device, wherein provisioning includes the payment accessory device decrypting the encrypted payment token with the secret encryption key and provisioning includes storing the encrypted payment token at the payment accessory device;
presenting, by the payment accessory device, the payment token to the smart speaker for an individual transaction in settling, by the smart speaker, purchases made in the individual transaction by a user via voice commands to the smart speaker, wherein the stored payment token is temporarily obtained in a per-transaction-basis by the smart speaker for the individual transaction and the temporary obtainment is in response to the voice command to the smart speaker to initiate the individual transaction; and
transmitting, by the smart speaker, payment token data of the payment token to a merchant of the individual transaction.