Microsoft filed a patent application for "Mobile Wallet and Digital Payment" service last September. Tom's Guide reported
The filing covers a "method that facilitates securing a wireless digital transaction" for "at least one of a good or a service." Microsoft refers to mobile devices that "can include at least one mobile payment card (m-card), wherein the m-card is created by establishing a PKC-secured link to an account associated with a form of currency." The link between a mobile device and a terminal is created via near field communication (NFC), Bluetooth, Wi-Fi, or RFID.
Microsoft's "m-card" feature is similar to a virtual credit card whose data is transmitted to a payment terminal using upon request. Only a portion of the m-card is sent to and received by the payment terminal, which will then be authenticated the organization that issued m-card and associated it with "at least one of a bank, a credit card company, an investment fund, an online brokerage, a web site, a business, a company, or a financial institution." To authorize a transaction, a user may have to press "a physical input button that can initiate a password entry, a payment, or a password entry completion."
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