Electronic authentication systems
First Claim
1. A transaction device for interacting with a point of interaction to carry out a transaction by a consumer, the transaction device comprising:
- an input configured to receive transaction data and functionality data from a point of interaction in connection with a transaction, the functionality data indicative of one or more terminal capabilities of the point of interaction;
a secure element comprising multiple payment applications, each of the multiple payment applications associated with one or more requirements, preferences, and/or services linked to the payment application;
a processor in communication with the input and the secure element, the processor comprising a system environment module separate from the secure element, and wherein the secure element is separate from the processor;
wherein the processor is configured to call the system environment module when the input receives the transaction data and the functionality data from the point of interaction before the transaction takes place;
wherein the system environment module, when called by the processor, is configured to;
interface with the multiple payment applications included in the secure element and gather the requirements, preference, and/or services from the multiple payment applications;
for each of the multiple payment applications, compare the transaction data received from the point of interaction for the transaction and the functionality data received from the point of interaction against the one or more requirements, preferences, and/or services gathered from the payment application;
based on the comparisons, determine whether each of the multiple payment applications is eligible to be used for the transaction; and
an output in communication with the processor and configured to transmit transaction data, from one of the multiple payment applications of the secure element, to the point of interaction in connection with the transaction, when the system environment module determines that the one of the multiple payment applications is eligible for the transaction, thereby configuring the transaction device in accordance with the one or more terminal capabilities of the point of interaction.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. The device also includes an input in communication with the processor and configured to receive transaction data from a point of interaction in connection with the transaction, and an output in communication with the processor and configured to transmit transaction data to the point of interaction in connection with the transaction when the system environment module determines that the payment application is eligible for the transaction.
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Citations
19 Claims
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1. A transaction device for interacting with a point of interaction to carry out a transaction by a consumer, the transaction device comprising:
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an input configured to receive transaction data and functionality data from a point of interaction in connection with a transaction, the functionality data indicative of one or more terminal capabilities of the point of interaction; a secure element comprising multiple payment applications, each of the multiple payment applications associated with one or more requirements, preferences, and/or services linked to the payment application; a processor in communication with the input and the secure element, the processor comprising a system environment module separate from the secure element, and wherein the secure element is separate from the processor; wherein the processor is configured to call the system environment module when the input receives the transaction data and the functionality data from the point of interaction before the transaction takes place; wherein the system environment module, when called by the processor, is configured to; interface with the multiple payment applications included in the secure element and gather the requirements, preference, and/or services from the multiple payment applications; for each of the multiple payment applications, compare the transaction data received from the point of interaction for the transaction and the functionality data received from the point of interaction against the one or more requirements, preferences, and/or services gathered from the payment application; based on the comparisons, determine whether each of the multiple payment applications is eligible to be used for the transaction; and an output in communication with the processor and configured to transmit transaction data, from one of the multiple payment applications of the secure element, to the point of interaction in connection with the transaction, when the system environment module determines that the one of the multiple payment applications is eligible for the transaction, thereby configuring the transaction device in accordance with the one or more terminal capabilities of the point of interaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer-implemented method for carrying out a transaction by a consumer, between a transaction device associated with the consumer and a point of interaction, the method comprising:
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receiving, by an input of a transaction device, transaction data and functionality data from a point of interaction in connection with a transaction by a consumer using the transaction device, the functionality data relating to terminal capabilities of the point of interaction, the transaction device including a processor and a secure element comprising multiple payment applications, each of the multiple payment applications associated with one or more requirements, preferences, and/or services linked to the payment application; calling, by the processor of the transaction device, a system environment module of the transaction device when the input receives the transaction data and the functionality data from the point of interaction before the transaction takes place; when the system environment module is called by the processor, interfacing, by the system environment module of the transaction device, with the multiple payment applications included in the secure element and gathering the requirements, preferences, and/or services from the multiple payment applications; for each of the multiple applications, comparing, by the system environment module of the transaction device, the functionality data received from the point of interaction against the one or more requirements, preferences, and/or services gathered from the payment application; based on the comparison, determining, by the system environment module of the transaction device, whether each of the multiple payment applications included in the secure element at the transaction device is eligible for the transaction; and when one or more of the multiple payment applications is eligible for the transaction, transmitting, by the secure element of the transaction device, via at least one of said one or more eligible payment applications, transaction data to the point of interaction in connection with the transaction. - View Dependent Claims (11, 12, 13, 14)
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15. A computer-implemented method for carrying out a transaction by a consumer, between a transaction device associated with the consumer and a point of interaction, the method comprising:
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receiving, by an input of a transaction device, transaction data and functionality data from a point of interaction in connection with a transaction by a consumer using the transaction device, the functionality data relating to terminal capabilities of the point of interaction, the transaction device including a processor and a secure element comprising multiple payment applications, each of the multiple payment applications associated with one or more requirements, preferences, and/or services linked to the payment application; calling, by the processor of the transaction device, a system environment module of the transaction device when the input receives the functionality data from the point of interaction before the transaction takes place; when the system environment module is called by the processor, interfacing, by the system environment module of the transaction device, with one or more of the multiple payment applications included in the secure element and gathering the requirements, preferences, and/or services from each of said one or more of the multiple payment applications; comparing, by the system environment module of the transaction device, the functionality data received from the point of interaction against the one or more requirements, preferences, and/or services gathered from each of said one or more of the multiple payment applications; based on the comparison, determining, by the system environment module of the transaction device, whether at least one of said one or more of the multiple payment applications is eligible for the transaction; and when one of said one or more of the multiple payment applications is eligible for the transaction, transmitting, by the transaction device, via said eligible payment application, transaction data to the point of interaction in connection with the transaction. - View Dependent Claims (16, 17, 18, 19)
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Specification