SYSTEMS AND METHODS FOR AUTHORIZING A TRANSACTION
First Claim
Patent Images
1. A system for acquiring digital credential data comprising:
- an electronic communication device;
a communication channel; and
a repository remote from the electronic communications device and having a plurality of secure element representations, wherein the repository is configured to;
a) receive a request for the digital credential data from the electronic communications device using the communication channel,b) validate the computing device, wherein the electronic communication device is paired with one of the plurality of secure element representations;
c) extract at least a portion of the digital credential data from the paired secure element representation, andd) send a repository response communication with the digital credential data to the electronic communication device over the communication channel; and
wherein the electronic communication device is configured toa) authenticate to the repository,b) send a request for the acquisition of at least a portion of the digital credential data to the repository as a device command communication over the communication channel, andc) receive the repository response containing the digital credential data from the repository over the communication channel.
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Accused Products
Abstract
Methods and apparatuses are disclosed for creating a software based secure element reader and a digital credential data delivery system for point-of-sale (POS) locations that do not have a secure element reader. Methods and apparatuses are described for creating a remotely hosted repository of secure elements that may be selected and connected to a mobile or a stationary device. Near-field communication (NFC) capabilities may be utilized to interrogate a selected secure element by a RFID POS reader through the mobile NFC device over a data connection between that mobile NFC device and the remote hosted secure element.
255 Citations
56 Claims
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1. A system for acquiring digital credential data comprising:
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an electronic communication device; a communication channel; and a repository remote from the electronic communications device and having a plurality of secure element representations, wherein the repository is configured to; a) receive a request for the digital credential data from the electronic communications device using the communication channel, b) validate the computing device, wherein the electronic communication device is paired with one of the plurality of secure element representations; c) extract at least a portion of the digital credential data from the paired secure element representation, and d) send a repository response communication with the digital credential data to the electronic communication device over the communication channel; and wherein the electronic communication device is configured to a) authenticate to the repository, b) send a request for the acquisition of at least a portion of the digital credential data to the repository as a device command communication over the communication channel, and c) receive the repository response containing the digital credential data from the repository over the communication channel. - View Dependent Claims (2, 3, 4)
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5. A method for acquiring digital credential data by a point-of-sale terminal having access to an internet from a mobile device that has access to the internet and that has a secure element and a secure element reader, the method comprising:
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a) reading the secure element in the mobile device using the secure element reader in the mobile device; and b) sending the digital credential data, acquired from reading the secure element in the mobile device, from the mobile device to the point-of-sale terminal over the internet. - View Dependent Claims (6, 7, 8, 9, 10)
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11. A method for acquiring digital credential data by a point-of-sale terminal comprising:
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authenticating and validating a mobile device at a repository having a plurality of secure element representations wherein the mobile device is paired with one of the secure element representations in the repository; sending through a first communication channel a POS command communication from the point-of-sale terminal to the mobile device requesting the digital credential data; and sending through the first communication channel a device response communication from the mobile device to the point-of-sale terminal wherein the device response communication comprises at least a portion of the digital credential data. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34)
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35. A system for acquiring digital credential data using a mobile device comprising:
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a point-of-sale terminal having a NFC interface using ISO7816-4 protocol to transmit a request for the digital credential data and to receive digital credential data; and a mobile device having a NFC interface using ISO7816-4 protocol configured to a) receive the request from the point-of-sale terminal for an acquisition of the digital credential data, b) interpret the request from the point-of-sale within an operating system of the mobile device and within an application running in that operating system, and c) send the digital credential data to the point-of-sale terminal using ISO8916-4 protocol generated from an application running in an operating system in the mobile device.
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36. A system for acquiring digital credential data comprising:
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a mobile device; a first communication channel; a point-of-sale terminal configured to generate a request for an acquisition of the digital credential data from the mobile device over the first communication channel as a POS command communication, and configured for receiving the digital credential data from the mobile device over the first communication channel as a device response communication; and a repository that is remote from the point-of-sale terminal, the repository having a plurality of secure element representations and being configured to validate the mobile device and pair the mobile device with a specific secure element representation; and wherein the mobile device is remote from the repository and is configured to a) authenticate to the repository; b) receive the POS command communication over the first communication channel, and c) send at least a portion of the digital credential data to the point-of-sale terminal as the device response communication over the first communication channel. - View Dependent Claims (37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52)
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53. A repository for secure element representations comprising:
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at least one secure element reader; a plurality of secure element representations disposed proximate to the secure element reader; a server disposed proximate to the secure element reader, the server having a multitasking processor to communicate with the plurality of secure element representations through the secure element reader and conduct a plurality of command/response time-wise overlapping sessions with the plurality of secure element representations; and an internet connection to the server wherein each of the secure element representations is addressable over the internet. - View Dependent Claims (54)
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55. A method for acquiring digital credential data by a point-of-sale terminal comprising:
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authenticating and validating a stationary device at a repository having a plurality of secure element representations wherein the stationary device is paired with one of the secure element representations in the repository; sending through a first communication channel a POS command communication from the point-of-sale terminal to the stationary device requesting the digital credential data; and sending through the first communication channel a device response communication from the stationary device to the point-of-sale terminal wherein the device response communication comprises the digital credential data. - View Dependent Claims (56)
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Specification