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Abstract

Embodiments of the invention include a platform for using 2D barcodes to establish secure authenticated communication between two computing devices that are in proximity to each other. A two-tier application architecture using a single base app and dynamic add-on applets is used. 2D barcodes can be distinctively visually branded. According to other aspects, the security of mobile payment systems are enhanced by (1) a triangular payment settlement in which the sender and receiver of payment each submit transaction information independently to the same payment server; (2) sensitive information is split into two parts, one of which is stored on a mobile device, and the other of which is stored on a payment server, and the two parts are only combined and exist transiently in the payment server's volatile memory when executing a transaction; and (3) a process to securely update profile pictures associated with payment accounts.

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First Claim