USING AN NFC ENABLED MOBILE DEVICE AS A POS TERMINAL
First Claim
1. A method comprising:
- receiving input to purchase an item at a mobile device from a user, the mobile device including a mobile device display, a mobile device processor, a mobile device radio transceiver configured to support voice and data interactions through a first communication channel, and a mobile device memory configured to maintain a point-of-sale (POS) midlet, the POS midlet configured to execute a payment authorization protocol between itself and a secure element, wherein the secure element is coupled to the mobile device, the secure element comprising a secure element memory, a secure element processor, and a secure element wireless transceiver configured to send transaction data including payment credentials to the POS midlet through a second communication channel, wherein the first communication channel is different from the second communication channel;
calculating a total purchase amount at the mobile device;
executing the payment authorization protocol between the mobile device and the secure element, the secure element including a secure element payment application configured to formulate an encrypted and cryptographically signed payment authorization for the total purchase amount, wherein the payment authorization protocol is executed in response to a near field communication interaction between the POS midlet and the secure element payment application;
transmitting a payment authorization request from the POS midlet to a financial institution through the first communication channel;
receiving at the POS midlet a payment authorization for the purchase through the first communication channel;
receiving a digital artifact at the secure element from the POS midlet through the second communication channel, wherein the digital artifact is also received at the mobile device from the management server through the first communication channel after the management server receives the digital artifact from the POS midlet; and
displaying the digital artifact on the mobile device display.
1 Assignment
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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 input to purchase an item at a mobile device from a user, the mobile device including a mobile device display, a mobile device processor, a mobile device radio transceiver configured to support voice and data interactions through a first communication channel, and a mobile device memory configured to maintain a point-of-sale (POS) midlet, the POS midlet configured to execute a payment authorization protocol between itself and a secure element, wherein the secure element is coupled to the mobile device, the secure element comprising a secure element memory, a secure element processor, and a secure element wireless transceiver configured to send transaction data including payment credentials to the POS midlet through a second communication channel, wherein the first communication channel is different from the second communication channel; calculating a total purchase amount at the mobile device; executing the payment authorization protocol between the mobile device and the secure element, the secure element including a secure element payment application configured to formulate an encrypted and cryptographically signed payment authorization for the total purchase amount, wherein the payment authorization protocol is executed in response to a near field communication interaction between the POS midlet and the secure element payment application; transmitting a payment authorization request from the POS midlet to a financial institution through the first communication channel; receiving at the POS midlet a payment authorization for the purchase through the first communication channel; receiving a digital artifact at the secure element from the POS midlet through the second communication channel, wherein the digital artifact is also received at the mobile device from the management server through the first communication channel after the management server receives the digital artifact from the POS midlet; and displaying the digital artifact on the mobile device display. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system comprising:
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a mobile device input interface configured to receive an input to purchase an item at a mobile device from a user; a mobile device memory configured to maintain a point-of-sale (POS) midlet, the POS midlet configured to execute a payment authorization protocol between itself and a secure element, wherein the secure element is coupled to the mobile device, the secure element comprising a secure element memory, a secure element processor, and a secure element wireless transceiver configured to send transaction data including payment credentials to the POS midlet through a second communication channel, wherein the first communication channel is different from the second communication channel; a mobile device processor configured to calculate a total purchase amount at the mobile device and execute the payment authorization protocol between the mobile device and the secure element, the secure element including a secure element payment application configured to formulate an encrypted and cryptographically signed payment authorization for the total purchase amount, wherein the payment authorization protocol is executed in response to a near field communication interaction between the POS midlet and the secure element payment application; a mobile device output interface configured to transmit a payment authorization request from the POS midlet to a financial institution through the first communication channel, wherein the POS midlet receives a payment authorization for the purchase through the first communication channel and the secure element receives a digital artifact from the POS midlet through the second communication channel, wherein the digital artifact is also received at the mobile device from the management server through the first communication channel after the management server receives the digital artifact from the POS midlet; and a mobile device display configured to show the digital artifact. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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Specification