PROCESSING PAYMENT TRANSACTIONS WITHOUT A SECURE ELEMENT
First Claim
1. A computer-implemented method for processing payment transactions without accessing secure elements, comprising:
- receiving, by a mobile communication device and from a point of sale system reader, a request for payment account information to process a payment transaction;
processing, by the mobile communication device, the request for the payment account information in response to receiving the request, wherein the processing is performed by the non-secure element processor resident on the mobile communication device;
generating, by the mobile communication device, a response to the request for the payment account information, wherein the response comprises a payment account identifier; and
transmitting, by the mobile communication device, the response to the request for the payment account information to the point of sale reader.
2 Assignments
0 Petitions
Accused Products
Abstract
A user conducts a wireless payment transaction with a merchant system by transmitting payment information from a user device to a terminal reader without accessing a secure element resident on the user device. A user taps a user device in a merchant system'"'"'s terminal reader'"'"'s radio frequency field. The terminal reader and the user device establish a communication channel and the terminal reader transmits a signal comprising a request for a payment processing response. The signal is received by the user device and converted by a controller to a request understandable by an application host processor. The controller transmits the request to the application host processor, where the request is processed, and a response is transmitted to the controller and then to the terminal reader. The response generated by the application host processor is identifiable by the merchant system as a payment response.
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Citations
20 Claims
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1. A computer-implemented method for processing payment transactions without accessing secure elements, comprising:
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receiving, by a mobile communication device and from a point of sale system reader, a request for payment account information to process a payment transaction; processing, by the mobile communication device, the request for the payment account information in response to receiving the request, wherein the processing is performed by the non-secure element processor resident on the mobile communication device; generating, by the mobile communication device, a response to the request for the payment account information, wherein the response comprises a payment account identifier; and transmitting, by the mobile communication device, the response to the request for the payment account information to the point of sale reader. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer program product, comprising:
a non-transitory computer-readable medium having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to process payment transactions without accessing secure elements, the computer-readable program instructions comprising; computer-readable program instructions for receiving from a point of sale system reader, a request for payment account information to process a payment transaction; computer-readable program instructions for processing the request for the payment account information, in response to receiving the request, wherein the processing is performed by a non-secure element processor resident on a mobile communication device; computer-readable program instructions for generating a response to the request for the payment account information, wherein the response comprises a payment account identifier; and computer-readable program instructions for transmitting the response to the request for the payment account information to the point of sale reader. - View Dependent Claims (12, 13, 14, 15)
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16. A system for processing payment transactions without accessing secure elements, comprising:
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a storage medium; and a processor configured to execute computer-executable instructions stored in the storage medium to cause the system to; transmit, to a mobile communication device, a request for a payment processing response, wherein the payment processing response indicates whether the mobile communication device is capable of completing a payment transaction; receive, from the mobile communication device, the response to the request for the payment processing response, wherein the mobile communication device processed the request by a non-secure element processor resident on the mobile communication device, and wherein the response comprises an affirmation that the mobile communication device is capable of completing the payment transaction; transmit, to the mobile communication device, a request for payment account information to process the payment transaction; and receive, from the mobile communication device, a response to the request for the payment account information, in response to the mobile communication device processing the request for the payment account information, wherein the processing is performed by a non-secure element processor resident on a mobile communication device, and wherein the response comprises a payment account identifier. - View Dependent Claims (17, 18, 19, 20)
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Specification