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This invention describes a system that lets people use their debit card PINs for secure online and mobile payments, much like they do in physical stores. It involves a central "mobile wallet" system where users register their payment accounts. During this registration, the system creates a unique, secure code (token) and a mobile PIN. These are then used to complete transactions without revealing the user's actual card details to the merchant, aiming to integrate smoothly with existing payment networks. The claims narrow this to a specific mobile wallet system that receives payment account numbers during a registration event and generates the token and mobile PIN at that time.
Why it matters: Filed before tokenization became standard practice and mobile wallets matured. The regulatory landscape, particularly the push for strong customer authentication (SCA) since 2015, now strongly favors systems like this that incorporate secure PIN verification for online and mobile transactions.
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