公开(公告)号：US20190087814A1

公开(公告)日：2019-03-21

申请号：US15526813

申请日：2015-11-16

Applicant: IDEMIA FRANCE ,  OBERTHUR TECHNOLOGIES OF AMERICA CORP.

Inventor： Eric LASSOUAOUI ,  Philippe LEDRU ,  Francis LIMOUSY

IPC: G06Q20/36 ,  G06Q20/40 ,  H04L29/06

Abstract: This application describes systems and methods for securing a payment token, to a mobile terminal, and to a server for generating a payment token. The operations performed by the systems and methods include a prior step of pairing a payment instrument both to an identifier of a subscriber terminal and to a personal password, followed by a step of generating a payment token that is made secure by using the identifier and the personal password. The pairing and the generating of the secure payment token make it possible to verify that the token is used by that subscriber and by that subscriber's mobile terminal. The systems and methods may be used in payment systems based on payment tokens that have usage restrictions.