USING A SECURE ELEMENT COUPLED TO A MOBILE DEVICE AS A POS TERMINAL FOR PROCESSING NFC TRANSACTIONS
First Claim
1. A method comprising:
- receiving payment credentials by using a secure element interface included in a secure element in response to a near field communication trigger at the secure element, the secure element including a secure element memory, a secure element processor, a secure element mobile device connector, and a secure element near field communication transceiver, the secure element mobile device connector configured for physical insertion and mechanical connection to the body of the mobile device, the mobile device including, a mobile device display, a mobile device memory, a mobile device transceiver, and a mobile device processor configured to execute a mobile operating system platform based payment application preinstalled or downloaded and installed by a user of the mobile device; and
transferring payment credentials to the mobile device from the secure element through the secure element mobile device connector, wherein the mobile device receives a request from the user for purchase of an item and generates a payment authorization, wherein the payment authorization is wirelessly transmitted to a remote server for authorizing payment for a credit card, debit card, or a prepaid card.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
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Citations
20 Claims
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1. A method comprising:
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receiving payment credentials by using a secure element interface included in a secure element in response to a near field communication trigger at the secure element, the secure element including a secure element memory, a secure element processor, a secure element mobile device connector, and a secure element near field communication transceiver, the secure element mobile device connector configured for physical insertion and mechanical connection to the body of the mobile device, the mobile device including, a mobile device display, a mobile device memory, a mobile device transceiver, and a mobile device processor configured to execute a mobile operating system platform based payment application preinstalled or downloaded and installed by a user of the mobile device; and transferring payment credentials to the mobile device from the secure element through the secure element mobile device connector, wherein the mobile device receives a request from the user for purchase of an item and generates a payment authorization, wherein the payment authorization is wirelessly transmitted to a remote server for authorizing payment for a credit card, debit card, or a prepaid card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A secure element comprising:
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a secure element input interface configured to receive payment credentials in response to a near field communication trigger at the secure element; a secure element mobile device connector configured for physical insertion and mechanical connection to the body of the mobile device, the mobile device including, a mobile device display, a mobile device memory, a mobile device transceiver, and a mobile device processor configured to execute an operating system platform based payment application preinstalled or downloaded and installed by a user of the mobile device; a secure element memory; a secure element processor configured to generate a payment authorization in response to a request from the user for purchase of an item; and a secure element near field communication transceiver; wherein the payment authorization is wirelessly transmitted to a remote server for authorizing payment for a credit card, debit card, or a prepaid card. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification