PORTABLE DEVICE WIRELESS READER AND PAYMENT TRANSACTION TERMINAL SECURE MEMORY FUNCTIONALITY
First Claim
1. A computer-implemented method for processing wireless payment transactions, comprising:
- receiving, by a computing device, a request to conduct a payment transaction with a payment device, wherein the computing device comprises a secure memory, wherein the payment device comprises an application capable of transmitting payment account information to the computing device via a radio frequency (RF) wireless communication channel, and wherein the computing device and the payment device are separate and distinct;
establishing, by a computing device, an RF wireless communication channel between the computing device and the payment device;
transmitting, by the computing device, a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command is transmitted from a secure memory of the computing device and instructs the application on the payment device to transmit encrypted payment account information to the computing device, and wherein the encrypted payment account information comprises financial payment account information and payment account verification information;
receiving, by the computing device, the encrypted payment account information from the payment device, wherein the computing device receives the encrypted information via the secure memory of the computing device;
decrypting, by the computing device, the encrypted payment account information into the secure memory, wherein a secure sub-device of the computing device decrypts the payment account information;
requesting, by the computing device, verification information from a user of the payment device;
verifying, by the computing device, the decrypted payment account information, wherein the computing device verifies the decrypted payment account information via the secure memory of the computing device; and
in response to verifying the payment account information, encrypting, by the computing device, the payment account information by the secure memory of the computing device.
2 Assignments
0 Petitions
Accused Products
Abstract
A user accesses an application on a reader mode device, activating a reader communication mode and disabling conflicting communication modes. The reader mode device activates a radio frequency field and creates a secure communication channel with a payment device. A secure element application on the reader mode device requests and receives payment information from a payment device. The secure element application on the reader mode device decrypts the payment information and requests account verification from the user. The secure element application on the reader mode device receives input from the user and verifies the payment information. In response to verifying the account information, the secure element application on the reader mode device encrypts the payment information and transmits it to a payment processing system. The payment processing system processes the payment transaction and transmits a notice of approved or declined transaction to the reader mode device.
273 Citations
20 Claims
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1. A computer-implemented method for processing wireless payment transactions, comprising:
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receiving, by a computing device, a request to conduct a payment transaction with a payment device, wherein the computing device comprises a secure memory, wherein the payment device comprises an application capable of transmitting payment account information to the computing device via a radio frequency (RF) wireless communication channel, and wherein the computing device and the payment device are separate and distinct; establishing, by a computing device, an RF wireless communication channel between the computing device and the payment device; transmitting, by the computing device, a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command is transmitted from a secure memory of the computing device and instructs the application on the payment device to transmit encrypted payment account information to the computing device, and wherein the encrypted payment account information comprises financial payment account information and payment account verification information; receiving, by the computing device, the encrypted payment account information from the payment device, wherein the computing device receives the encrypted information via the secure memory of the computing device; decrypting, by the computing device, the encrypted payment account information into the secure memory, wherein a secure sub-device of the computing device decrypts the payment account information; requesting, by the computing device, verification information from a user of the payment device; verifying, by the computing device, the decrypted payment account information, wherein the computing device verifies the decrypted payment account information via the secure memory of the computing device; and in response to verifying the payment account information, encrypting, by the computing device, the payment account information by the secure memory of the computing device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer program product, comprising:
a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computing device operated by a user cause the computing device to process wireless payment transactions, the computer-readable program instructions comprising; computer-readable program instructions for receiving a request to conduct a payment transaction with a payment device, wherein the payment device comprises an application capable of transmitting payment account information to the computing device via a radio frequency (RF) wireless communication channel, and wherein the computing device and the payment device are separate and distinct; computer-readable instructions for transmitting a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command is transmitted from a secure memory of the computing device and instructs the application on the payment device to transmit encrypted payment account information to the computing device, and wherein the encrypted payment account information comprises financial payment account information and payment account verification information; computer-readable instructions for decrypting the encrypted payment account information, wherein the secure memory in the computing device decrypts the payment account information; computer-readable instructions for verifying the decrypted payment account information wherein the computing device verifies the decrypted payment account information via the secure memory of the computing device; and computer-readable instructions for encrypting the payment account information by the secure memory. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A system for processing wireless payment transactions, the system comprising:
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a storage medium; and a processor communicatively coupled to the storage medium, wherein the processor executes application code instructions that are stored in the storage medium and that cause the system to; receive a request to conduct a payment transaction with a payment device, wherein the payment device comprises an application capable of transmitting payment account information to the computing device via a radio frequency (RF) wireless communication channel; transmit a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command is transmitted from a secure memory of the computing device and instructs the application on the payment device to transmit payment account information to the computing device, and wherein the payment account information comprises financial payment account information and payment account verification information; verify the payment account information using the secure memory of the computing device; and in response to verifying the payment account information, encrypt the payment account information by the secure memory of the computing device. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification