EMV transactions in mobile terminals
First Claim
1. A method of conducting an electronic transaction in a card-reader terminal using a mobile terminal, comprising:
- establishing a wireless connection between the mobile terminal and the card-reader terminal;
transferring transaction data between the mobile terminal and the card-reader terminal over the wireless connection;
hosting a proxy in the card-reader terminal to act on behalf of the mobile terminal; and
wherein the proxy uses the transaction data to conduct the electronic transaction on behalf of the mobile terminal.
2 Assignments
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Accused Products
Abstract
A mobile terminal is enabled to conduct an EMV transaction. A wireless access node in the EMV card-reader terminal is provided for connecting a mobile terminal to the card-reader terminal. An EMV-proxy module executing in the card-reader terminal facilitates communication between the mobile terminal and the card-reader terminal. The EMV-proxy module lets the mobile terminal function in essentially the same way as a regular EMV chip card with respect to the card-reader terminal. The card-reader terminal may then conduct EMV transactions on behalf of the mobile terminal without requiring new software and/or hardware at the EMV issuer. EMV data is stored in the mobile terminal in the form of secure dynamic data objects. This Abstract is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. 37 CFR 1.72(b).
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Citations
20 Claims
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1. A method of conducting an electronic transaction in a card-reader terminal using a mobile terminal, comprising:
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establishing a wireless connection between the mobile terminal and the card-reader terminal;
transferring transaction data between the mobile terminal and the card-reader terminal over the wireless connection;
hosting a proxy in the card-reader terminal to act on behalf of the mobile terminal; and
wherein the proxy uses the transaction data to conduct the electronic transaction on behalf of the mobile terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A card-reader terminal configured to conduct an electronic transaction with a mobile terminal, comprising:
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a wireless access node for establishing a wireless connection between the mobile terminal and the card-reader terminal;
a storage unit configured to store computer readable code thereon, the computer readable code including a proxy for the mobile terminal; and
a microprocessor connected to storage unit, the microprocessor capable of executing the proxy on the card-reader terminal, the proxy configured to;
transfer transaction data between the mobile terminal and the card-reader terminal over the wireless connection; and
use the transaction data to conduct the electronic transaction on behalf of the mobile terminal. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. The card-reader according to claim 20, wherein no changes were made at the financial institution to accommodate the mobile terminal.
Specification