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

Claim 14:
15. A system, comprising:
a processor; and
a memory in communication with the processor, the memory storing program instructions which when executed by the processor cause the processor to:
encrypt, by a remote server computer, a payment token using a public key of a payment accessory device, wherein the public key has a corresponding secret encryption key adapted to decrypt the encrypted payment token;
communicate, by a mobile device, with the remote server computer 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;
provision 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, the provisioning including 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;
temporarily present, by the payment accessory device to a smart speaker, the payment token in a per-transaction-basis for an individual transaction in settling purchases made in the individual transaction by a user via voice commands to the smart speaker and the temporary presentation is in response to the voice command to the smart speaker to initiate the individual transaction; and
transmit, by the smart speaker, payment token data of the payment token to a merchant of the individual transaction.