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

• Current Assignee: Intel Corporation
• Original Assignee: Intel Corporation
• Inventors: Ballesteros, Miguel, Vincent, John H., Bumgarner, Alan D.
• Primary Examiner(s): Chein, Allen C
• Assistant Examiner(s): Ortiz Roman, Denisse Y
• Application Number:
  US14/476,732
• Publication Number:
  US 20160063480A1
• Time in Patent Office: 2,022 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing

Abstract

Logic to perform a point of sale (POS) transaction as Card Present. Logic may communicate with a web site of an online vendor to process a payment to the online vendor as a certified POS device. Logic may communicate with a payment service provider associated with the online vendor to process the payment in response to communicating with the web site. Logic may interact with a card reader to obtain a packet to process the payment with a payment instrument to verify the presence of the payment instrument. Logic may encrypt communications to transmit an authorization request to the payment service provider to process the payment with encrypted communications via a secure element agent of the certified POS device, the authorization request to comprise the packet to verify that the payment instrument is present for the transaction. And logic may receive an approval of the authorization request for the payment.

Claims

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.

2. The device of claim 1, wherein the secure element comprises logic to start a payment session with the payment service provider and to activate the card reader to process the payment for the online vendor.

3. The device of claim 1, wherein the card reader comprises one or more of a near field communication radio and antenna to communicate with the card, a magnetic medium reader, an optical medium reader, and contacts for a contacted connection.

4. The device of claim 1, wherein the secure element comprises logic to communicate a message from the payment service provider to a user to prompt the user to process the payment with the card and the card reader.

5. The device of claim 1, wherein the secure element comprises logic to dynamically bind the certified POS device to the online vendor to process the payment by a user of the certified POS device for the online vendor.

6. One or more tangible computer-readable non-transitory storage media comprising computer-executable instructions operable to, when executed by at least one computer processor, enable the at least one computer processor to implement a method comprising:

communicating, by a consumer device comprising a certified Point of Sale (POS) device, with a web site of an online vendor to process a payment to the online vendor;

communicating via a network, by a secure element of the certified Point of Sale (POS) device, with a payment service provider associated with the online vendor to process the payment in response to communicating with the web site;

dynamically binding, by the secure element, the certified POS device to the payment service provider associated with the online vendor dynamically to process the payment by a user of the certified POS device for online vendor;

interacting, by the secure element, with a card reader of the certified Point of Sale (POS) device to obtain a packet to process the payment with a card;

encrypting communications to transmit an authorization request to the payment service provider to process the payment with encrypted communications via a secure element agent of the consumer device, the authorization request to comprise the packet to verify that the card is present for the transaction, wherein the secure element agent comprises an application to execute on an application processor of the at least one computer processor to pass encrypted communications between a secure element and a payment service provider via a network communications device; and

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

7. The storage media of claim 6, wherein the method further comprises activating a near field communication radio or contact interface to interact with an EMV (Europay, MasterCard and Visa) card to process the payment.

8. The storage media of claim 6, wherein the method further comprises communicating a message from the payment service provider to a user to prompt the user to process the payment with the card and the card reader.

9. The storage media of claim 6, wherein the method further comprises dynamically binding the certified POS device to the online vendor to process the payment by a user of the certified POS device for the online vendor.

10. A method for a point of sale transaction, the method comprising:

communicating, by a consumer device comprising a certified Point of Sale (POS) device, with a web site of an online vendor to process a payment to the online vendor;

communicating via a network, by a secure element of the certified Point of Sale (POS) device, with a payment service provider associated with the online vendor to process the payment in response to communicating with the web site;

dynamically binding, by the secure element, the certified POS device to the payment service provider associated with the online vendor dynamically to process the payment by a user of the certified POS device for online vendor;

interacting, by the secure element, with a card reader of the certified Point of Sale (POS) device to obtain a packet to process the payment with a card;

encrypting communications to transmit an authorization request to the payment service provider to process the payment with encrypted communications via a secure element agent of the consumer device, the authorization request to comprise the packet to verify that the card is present for the transaction, wherein the secure element agent comprises an application to execute on an application processor to pass encrypted communications between a secure element and a payment service provider via a network communications device; and

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

11. The method of claim 10, further comprising activating a near field communication radio or contact interface to interact with an EMV (Europay, MasterCard and Visa) card to process the payment.

12. The method of claim 10, further comprising communicating a message from the payment service provider to a user to prompt the user to process the payment with the card and the card reader.

13. The method of claim 10, further comprising dynamically binding the certified POS device to the online vendor to process the payment by a user of the certified POS device for the online vendor.

14. A system for a point of sale transaction, the system comprising:

a processing device comprising an application processor, a secure element agent, and a network communications device, the processing device to comprise logic to interact with an online vendor, wherein the secure element agent comprises an application to execute on 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;

a memory coupled with the application processor;

medium access control logic coupled with the memory to determine and decode wireless communications;

one or more antennas; and

one or more radios coupled with corresponding ones of the one or more antennas to transmit and receive wireless communications; 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 a 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.

15. The system of claim 14, wherein the secure element comprises logic to start a payment session with the payment service provider and to activate a near field communication radio or contact interface to process the payment for the online vendor.

16. The system of claim 14, wherein the card reader comprises one or more of a near field communication radio and antenna, a magnetic medium reader, an optical medium reader, and contacts for a contacted connection to communicate with the card.

17. The system of claim 14, wherein the secure element comprises logic to communicate a message from the payment service provider to a user to prompt the user to process the payment with the card and the card reader.

18. The system of claim 14, wherein the secure element comprises logic to dynamically bind the certified POS device to the online vendor to process the payment by a user of the certified POS device for the online vendor.

19. An apparatus for a point of sale transaction, the apparatus comprising:

a means for communicating, by a consumer device comprising a certified Point of Sale (POS) device, with a web site of an online vendor to process a payment to the online vendor;

a means for communicating via a network, by a secure element of the certified Point of Sale (POS) device, with a payment service provider associated with the online vendor to process the payment in response to communicating with the web site;

a means for dynamically binding, by the secure element, the certified POS device to the payment service provider associated with the online vendor dynamically to process the payment by a user of the certified POS device for online vendor;

a means for interacting, by the secure element, with a card reader of the certified Point of Sale (POS) device to obtain a packet to process the payment with a card;

a means for encrypting communications to transmit an authorization request to the payment service provider to process the payment with encrypted communications via a secure element agent of the consumer device, the authorization request to comprise the packet to verify that the card is present for the transaction, wherein the secure element agent comprises an application to execute on the application processor to pass encrypted communications between a secure element and a payment service provider via a network communications device;

a means for receiving an approval of the authorization request for the payment from the payment service provider.

20. The apparatus of claim 19, further comprising a means for dynamically binding the certified POS device to the online vendor to process the payment by a user of the certified POS device for the online vendor.