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

Claim 0:
1. 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 the one or more sets of stored, machine-interpretable instructions to:
receive a payment transaction request from a second user mobile communication device, the transaction request comprising data elements associated with a payment transaction between the second user mobile communication device and a merchant system, said data elements including at least a transaction value and a merchant identifier;
access the at least one authorization data set;
generate a tokenized transaction data set using the accessed at least one authorization 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 comprising data from the at least one authorization data set, 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 second user mobile communication device, via the at least one wireless transceiver, for use in completing 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; or
the second user mobile device.