PERSONAL POINT OF SALE (PPOS) DEVICE THAT PROVIDES FOR CARD PRESENT E-COMMERCE TRANSACTION
First Claim
1. A device for providing a personal point of sale (pPOS) for card present e-commerce transactions, the device comprising:
- a secure microcontroller function (MCF);
a reader, the reader configured to read a payment and/or identity instrument;
a payment kernel, the payment kernel configured to process payment;
a secure element, the secure element configured to store and process payment and identification application;
a sensor switch, the sensor switch configured to initiate and/or terminate a transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
Within the EMV payment specification, the use of an unattended terminal to accept a payment is allowed. Creating a device that has both the EMV level 1 (L1) and level 2 (L2) payment components combined with a virtual merchant creates a “card present” transaction for an on-line or e-commerce merchant. This device can be called a personal Point of Sale (pPOS). This specification discloses personal Point of Sale (pPOS) devices and methods that can provide for card present e-commerce transactions. In some embodiments, a pPOS device can include only a secure microcontroller function (MCF), a payment kernel, a secure element, and an interface to an external system with an EMV level 3 (L3) payment application. In some embodiments, a pPOS device can further include a reader. In some embodiments, a pPOS device can still further include a sensor switch and/or a user interface function.
26 Citations
28 Claims
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1. A device for providing a personal point of sale (pPOS) for card present e-commerce transactions, the device comprising:
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a secure microcontroller function (MCF); a reader, the reader configured to read a payment and/or identity instrument; a payment kernel, the payment kernel configured to process payment; a secure element, the secure element configured to store and process payment and identification application; a sensor switch, the sensor switch configured to initiate and/or terminate a transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A method for providing a personal point of sale (pPOS) for card present e-commerce transactions, the method comprising:
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initiating, by a user and/or a merchant, a request for a payment transaction; presenting, by the user, an instrument to a pPOS device, wherein no instrument data is entered into a website, a web page, or a mobile application; authenticating and validating, by the pPOS device, the instrument for the merchant and/or an issuer of the instrument; processing, by the pPOS device, the payment transaction. - View Dependent Claims (23, 24, 25)
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26. A device comprising:
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a secure microcontroller function (MCF); a payment kernel, the payment kernel configured to process payment; a secure element, the secure element configured to store and process payment and identification application. - View Dependent Claims (27, 28)
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Specification