DISTRIBUTED AUTHENTICITY VERIFICATION FOR CONSUMER PAYMENT TRANSACTIONS
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United States of America Patent
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app pub date -
Jun 24, 2013
filing date -
Mar 12, 2013
priority date (Note) -
Abandoned
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Abstract
Payment tokens designed for display on a consumer's mobile device include dynamic trust data (e.g., transaction history and/or token generation date) along with financial account information, enabling merchants to make an informed decision about whether to accept payment without communication with the central processing system, and also protecting the consumer's account information from theft.
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