Personal point of sale (pPOS) device that provides for card present E-commerce transaction
First Claim
1. A device for providing a personal point of sale (pPOS) for card present e-commerce transactions, the device comprising:
- a secure microcontroller function (MCF);
a reader, the reader configured to read a payment and/or identity instrument;
a payment kernel, the payment kernel configured to process payment, wherein the payment kernel is contained in the secure microcontroller function (MCF);
a secure element, the secure element configured to store and execute a payment application, an identification application, and customer validation methods (CVM) for a user of the device;
a first interface for directly connecting the reader to the secure element to allow processing of payment and authentication of a card by the secure element being read by the reader;
a sensor switch, the sensor switch configured to initiate and/or terminate a transaction; and
a second interface for directly connecting the secure element to the sensor switch to allow collection by the sensor switch of user biometric data.
1 Assignment
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Accused Products
Abstract
Within the EMV payment specification, the use of an unattended terminal to accept a payment is allowed. Creating a device that has both the EMV level 1 (L1) and level 2 (L2) payment components combined with a virtual merchant creates a “card present” transaction for an on-line or e-commerce merchant. This device can be called a personal Point of Sale (pPOS). This specification discloses personal Point of Sale (pPOS) devices and methods that can provide for card present e-commerce transactions. In some embodiments, a pPOS device can include only a secure microcontroller function (MCF), a payment kernel, a secure element, and an interface to an external system with an EMV level 3 (L3) payment application. In some embodiments, a pPOS device can further include a reader. In some embodiments, a pPOS device can still further include a sensor switch and/or a user interface function.
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Citations
28 Claims
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1. A device for providing a personal point of sale (pPOS) for card present e-commerce transactions, the device comprising:
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a secure microcontroller function (MCF); a reader, the reader configured to read a payment and/or identity instrument; a payment kernel, the payment kernel configured to process payment, wherein the payment kernel is contained in the secure microcontroller function (MCF); a secure element, the secure element configured to store and execute a payment application, an identification application, and customer validation methods (CVM) for a user of the device; a first interface for directly connecting the reader to the secure element to allow processing of payment and authentication of a card by the secure element being read by the reader; a sensor switch, the sensor switch configured to initiate and/or terminate a transaction; and a second interface for directly connecting the secure element to the sensor switch to allow collection by the sensor switch of user biometric data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A method for providing a personal point of sale (pPOS) for card present e-commerce transactions, the method comprising:
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initiating, by a user and/or a merchant, a request for a payment transaction; presenting, by the user, an instrument to a pPOS device, wherein no instrument data is entered into a website, a web page, or a mobile application; authenticating and validating, by the pPOS device, the instrument for the merchant and/or an issuer of the instrument; storing, in a secure element, a payment application, an identification application, and customer validation methods (CVM) for the user of the device; directly interfacing the secure element to a sensor switch to collect and store biometric data; directly interfacing a reader to the secure element to allow processing of payment and authentication of a card being read of the reader; processing, by the pPOS device, the payment transaction, wherein the pPOS device comprises a secure microcontroller function (MCF) and a payment kernel, wherein the payment kernel is configured to process payment, wherein the payment kernel is contained in the secure microcontroller function (MCF). - View Dependent Claims (23, 24, 25)
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26. A device comprising:
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a secure microcontroller function (MCF); a payment kernel, the payment kernel configured to process payment, wherein the payment kernel is contained in the secure microcontroller function (MCF); a secure element, the secure element configured to store and execute a payment application and an identification application; a first interface for directly connecting a card reader to the secure element to allow processing of payment and authentication by the secure element of a card being read by the card reader; a sensor switch, the sensor switch configured to initiate and terminate a transaction; and a second interface for directly connecting the secure element to the sensor switch to allow collection of user biometric data by the sensor switch. - View Dependent Claims (27, 28)
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Specification