Systems and methods for payment management for supporting mobile payments

This system manages payments made using a mobile phone. An app on your phone generates a unique code, which holds a scrambled version of your payment card number. A store's checkout terminal reads this code and sends it to a central system, which then verifies the scrambled number with your bank to approve the purchase.

Why it matters: The claims specify a unique code encoding a tokenized primary account number. Since 2020, advancements in secure element technology and standardized tokenization protocols have potentially simplified the secure generation and verification of such codes, making implementation more robust.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedSoftware logic, secure infrastructure, payment network integration.

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