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Electronic authentication systems

  • US 10,504,114 B2
  • Filed: 09/14/2016
  • Issued: 12/10/2019
  • Est. Priority Date: 06/06/2013
  • Status: Active Grant
First Claim
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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:

  • 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.

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