Abstract: The present systems and methods provide for secured communication between a mobile device and a server/gateway. The systems and methods can be used, for example, as a way to confirm whether or not a transaction was actually authorized by the user, thereby settling a chargeback dispute for a previously executed transaction. The method comprises receiving the dispute regarding the transaction including associated transaction data, and retrieving a digital signature associated with the transaction data, the digital signature computed by signing the transaction data. The digital signature is then verified using a public key, wherein the public key corresponds to a private key stored on a mobile device. It is then determined whether or not the transaction is fraudulent based on a verification result of the digital signature.
Type:
Grant
Filed:
February 26, 2016
Date of Patent:
July 23, 2019
Assignee:
Lime Light RM, Inc.
Inventors:
Dennis Poon, Simon Law, Richard Burnison