Systems and methods for randomized mobile payment

Abstract

Systems and methods for improving security in mobile payment systems are described. A user device may be operated to request temporary account data for an account. No actual account number may be stored on the device. A remote system may correlate temporary account data to actual account data and transmit temporary account data to the user device, which use the data to make a purchase or generate a temporary account number than may be used to make a purchase. Temporary account data may be automatically erased or expire. A purchase authorization request may be sent by a merchant with temporary account data to a provider of temporary account data. The provider may transmit a request for purchase authorization using actual account data to a payment processor, sending a response to the merchant that does not include actual account data based on a response from the payment processor.

What is claimed is: 
     
         1 . A method for providing a mobile payment, comprising:
 receiving a request for a temporary account number from a user device;   determining a personal account number based at least on the request for the temporary account number;   selecting the temporary account number from among a plurality of available temporary account numbers;   transmitting the select temporary account number to the user device;   receiving a first purchase authorization request from a merchant device, the first purchase authorization request comprising the temporary account number;   correlating the temporary account number with the personal account number;   generating a second purchase authorization request comprising the personal account number; and   transmitting the second purchase authorization request to a payment processor to facilitate a purchase authorization using the personal account number, wherein the personal account number is not displayed or stored on the user device and wherein the personal account number is unknown to the merchant.   
     
     
         2 . The method of  claim 1  wherein the temporary account number is in a format used by a point-of-sale device. 
     
     
         3 . The method of  claim 1 , wherein the temporary account number has the same format as the personal account number. 
     
     
         4 . The method of  claim 1 , wherein the temporary account number comprises one of a key or a seed. 
     
     
         5 . The method of  claim 1 , further comprising transmitting a message to the user device responsive to the receiving the first purchase authorization request. 
     
     
         6 . The method of  claim 1 , wherein the request for the temporary account number comprises a user identifier or a device identifier, or both. 
     
     
         7 . The method of  claim 6 , wherein the user identifier is distinct from the personal account number associated with a user of the user device. 
     
     
         8 . The method of  claim 6 , wherein the device identifier is distinct from the personal account number associated with a user of the user device. 
     
     
         9 . A method for providing a mobile payment, comprising:
 receiving a request for a temporary account number from a mobile device;   determining a personal account number based at least on the request for the temporary account number;   selecting the temporary account number from among a plurality of available temporary account numbers;   transmitting the select temporary account number to the mobile device to facilitate the transmission of the select temporary account number to a point-of-sale device;   receiving a first purchase authorization request from the point-of-sale device, the first purchase authorization request comprising the select temporary account number;   correlating the select temporary account number with the personal account number;   generating a second purchase authorization request comprising the personal account number; and   transmitting the second purchase authorization request to a payment processor to facilitate a purchase authorization using the personal account number, wherein the personal account number is not displayed or stored on the user device or the point-of-sale device.   
     
     
         10 . The method of  claim 9  wherein the temporary account number is in a format used by the point-of-sale device. 
     
     
         11 . The method of  claim 9 , wherein the temporary account number has the same format as the personal account number. 
     
     
         12 . The method of  claim 9 , wherein the temporary account number comprises one of a key or a seed. 
     
     
         13 . The method of  claim 12 , further comprising transmitting a message to the mobile device responsive to the receiving the first purchase authorization request. 
     
     
         14 . The method of  claim 12 , wherein the request for the temporary account number comprises a user identifier or a device identifier, or both. 
     
     
         15 . The method of  claim 9 , wherein the user identifier is distinct from the personal account number associated with a user of the mobile device. 
     
     
         16 . The method of  claim 9 , wherein the device identifier is distinct from the personal account number associated with a user of the user device.