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Methods and arrangements to complete online transactions

  • US 10,592,890 B2
  • Filed: 09/03/2014
  • Issued: 03/17/2020
  • Est. Priority Date: 09/03/2014
  • Status: Active Grant
First Claim
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1. A device for a point of sale transaction, the device comprising:

  • a processing device comprising an application processor, a secure element agent, and a network communications device, the processing device to dynamically interact with an online vendor, wherein the secure element agent to securely control the application processor to pass encrypted communications between a secure element and a payment service provider associated with the online vendor via the network communications device; and

    a certified Point of Sale (POS) device to dynamically bind the secure element to the payment service provider associated with the online vendor to process a payment, the certified POS device comprising;

    a card reader; and

    the secure element operatively coupled with the card reader and the secure element agent, the secure element to communicate with a web site of the online vendor to process the payment to the online vendor;

    to communicate via a network with the payment service provider associated with the online vendor to process the payment in response to communication with the web site;

    to dynamically bind the certified POS device to the payment service provider to process the payment by a user of the certified POS device for online vendor;

    to interact with the card reader to obtain a packet to process the payment with a card;

    to encrypt communications to transmit an authorization request to the payment service provider to process the payment with encrypted communications via the secure element agent, the authorization request to comprise the packet to verify that the card is present for the transaction; and

    to receive an approval of the authorization request for the payment from the payment service provider.

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