Visa International Service Association

John Francis Benedict Bourdillon

Christian Aabye

David William Wilson

Dave William Wilson

Systems, apparatuses, and methods for performing transactions through mobile communication devices using either telecommunications networks or proximity near-field communications systems are disclosed. A mobile communication device may display an application authentication element. The application authentication element may include a pre-selected authentication element and transaction data associated with a transaction conducted by a mobile communication device. The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer or retrieving the pre-selected authentication element from a secure memory in the mobile communication device. A user authentication token may be received by the mobile communication device from the user. The mobile communication device may generate a secret token that is derived from the user authentication token. If the secret token is correlated to a secret reference token, then a transaction may be conducted.

Authentication using application authentication element

Embodiments of the present invention can be directed to systems, apparatuses, and methods for performing transactions through mobile communication devices using either telecommunications networks or proximity near-field communications systems. Embodiments may be directed to a mobile communication device displaying an application authentication element. The application authentication element may include a pre-selected authentication element and transaction data associated with a transaction conducted by a mobile communication device. The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer or retrieving the pre-selected authentication element from a secure memory in the mobile communication device. A user authentication token may be received by the mobile communication device from the user. The mobile communication device may generate a secret token that is derived from the user authentication token. If the secret token is correlated to a secret reference token, then a transaction may be conducted.

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Paddington, United Kingdom

John Francis Benedict Bourdillon