Patent ID: 9602328
Date: 2017-03-21
CPC Classifications: G06Q,H04L

Claim:
1. A method, comprising: receiving, at an application stored on a first mobile device, a first set of user data, the first set of user data including one or more of: a user identification, a password, at least a portion of a social security number associated with the user, at least a portion of an account number associated with an issuing authority, and an activation code; submitting the first set of user data to a server; generating a public-private key pair for the application and the user; preparing application credentials, the application credentials including at least one of: a unique identifier associated with the application credentials, the public key generated for the application, a version of the application, and a hardware address for a network connection; preparing user credentials, the user credentials including at least one of: a first name of the user, a last name of the user, the public key generated for the user, a unique personal identification number (PIN) assigned to the to the user by an issuing authority, and a photograph of the user; authenticating the user credentials and the application credentials; storing the user credentials and the application credentials; sending a copy of the application credentials and the user credentials to an issuing authority; receiving the copy of the application credentials and the user credentials authenticated by the issuing authority; storing the copy of the application credentials and the user credentials signed by issuing authority on the first mobile device; receiving, at the application stored on the first mobile device, information associated with a financial transaction, wherein the information associated with the financial transaction includes at least one of: an amount associated with a good or a service, a description associated with the good or the service, and a code associated with the good or the service; connecting, using a wireless connection, the first mobile device to a second application stored on a second mobile device, the second application being associated with user data of a second user; validating at least one of a hardware address and a certificate associated with the second mobile device, wherein the validating includes verifying the authorization of the certificate by an issuing authority; sending, using the public key associated therewith, the user credentials and application credentials associated with the first mobile device to the application of the second mobile device; receiving user credentials and application credentials associated with the second application of the second mobile device; validating the user credentials and application credentials associated with the second application of the second mobile device; and displaying, using the first application of the first mobile device, the user credentials associated with the second application of the second mobile device.