EMV transaction in mobile terminals
First Claim
1. A method of conducting an electronic transaction between a mobile terminal and a remote party using a point of sale terminal, comprising:
- hosting a proxy module in the point of sale terminal to act on behalf of the mobile terminal;
establishing a wireless connection between the mobile terminal and the proxy module;
authenticating a user of the mobile terminal to the proxy module; and
conducting an electronic transaction between the mobile terminal and the remote party using said proxy module as an intermediary.
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Accused Products
Abstract
A mobile terminal is enabled to conduct an EMV transaction. A wireless access node in the EMV card-reader terminal is provided for connecting a mobile terminal to the card-reader terminal. An EMV-proxy module executing in the card-reader terminal facilitates communication between the mobile terminal and the card-reader terminal. The EMV-proxy module lets the mobile terminal function in essentially the same way as a regular EMV chip card with respect to the card-reader terminal. The card-reader terminal may then conduct EMV transactions on behalf of the mobile terminal without requiring new software and/or hardware at the EMV issuer. EMV data is stored in the mobile terminal in the form of secure dynamic data objects. This Abstract is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. 37 CFR 1.72(b).
21 Citations
18 Claims
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1. A method of conducting an electronic transaction between a mobile terminal and a remote party using a point of sale terminal, comprising:
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hosting a proxy module in the point of sale terminal to act on behalf of the mobile terminal; establishing a wireless connection between the mobile terminal and the proxy module; authenticating a user of the mobile terminal to the proxy module; and conducting an electronic transaction between the mobile terminal and the remote party using said proxy module as an intermediary. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A point of sale terminal configured to conduct an electronic transaction between a mobile terminal and a remote party, said point of sale terminal comprising:
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a wireless access node for establishing a wireless connection between the mobile terminal and the point of sale terminal; and a proxy module configured to authenticate a user of the mobile terminal and further configured to operate as an intermediary between the mobile terminal and the remote party to conduct the electronic transaction. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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Specification