Systems and methods for providing transaction tokens for mobile devices
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United States of America Patent
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Mar 20, 2018
Issued Date -
N/A
app pub date -
Jan 26, 2015
filing date -
Jan 27, 2014
priority date (Note) -
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status (Latency Note)
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Abstract
The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.
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