{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-10515359","patent":{"patent_number":"US-10515359","title":"Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements","assignee":null,"inventors":[],"filing_date":"2013-03-14T00:00:00.000Z","publication_date":"2019-12-24T00:00:00.000Z","cpc_codes":["G06Q","H04W","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","H04W","H04W"],"num_claims":18,"abstract":"A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements","description":"A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-10515359","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-10515359","citation_suggestion":"Patentable. \"Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements\" (US-10515359). https://patentable.app/patents/US-10515359","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-10515359","json":"https://patentable.app/api/llm-context/US-10515359","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T07:46:20.181Z"}