Patent ID: 9589262
Date: 2017-03-07
CPC Classifications: G06K,G06Q

Claim:
1. A checkout system implemented on a mobile communication device including a merchant application or browser application available on the mobile communication device and adapted to allow a user to select items to purchase from a merchant, comprising: a communication processor in communication with a checkout server hosting one or more web service checkout application program interfaces (APIs), the communication processor further being in communication with the mobile communication device; and a checkout application installed on the mobile communication device and launched in response to receiving information corresponding to a purchase transaction, the checkout application receiving user authentication and causing payment information, including payment data found in magnetic stripe data, from a magnetic stripe transporter (MST) that is one of embedded in or in communication with the mobile communication device via an accessory, or from a checkout server, wherein a dynamic cryptogram is generated at the time of the purchase transaction and included in the payment information to secure the payment information as a one-time use payment information; and the checkout application in communication with the checkout server to complete the purchase transaction.