Card-present on-line transactions

• US 8,775,305 B2
• Filed: 05/25/2012
• Issued: 07/08/2014
• Est. Priority Date: 05/26/2011
• Status: Expired due to Fees

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Pointer, Barry Fitzpatrick
• Primary Examiner(s): JOHNSON, GREGORY L
• Application Number:
  US13/481,437
• Publication Number:
  US 20120317019A1
• Time in Patent Office: 774 Days
• Field of Search: None
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 2209/80 Wireless network architectures or network communication protocols for wireless network security H04W12/00
• CPC Class Codes: H04L 2463/061 applying further key derivation, e.g. deriving traffic keys from a pair-wise master key cryptographic mechanisms or cryptographic arrangements for generation of secret information including derivation or calculation of cryptographic keys or passwords H04L9/0861
• CPC Class Codes: H04L 2463/062 applying encryption of the keys cryptographic mechanisms or cryptographic arrangements for key distribution using key encryption key H04L9/0822
• CPC Class Codes: H04L 63/061 for key exchange, e.g. in peer-to-peer networks cryptographic mechanisms or cryptographic arrangements for key agreement H04L9/0838
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/126 the source of the received data
• CPC Class Codes: H04L 9/3234 involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853
• CPC Class Codes: H04W 12/02 Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII]
• CPC Class Codes: H04W 12/033 of the user plane, e.g. user's traffic
• CPC Class Codes: H04W 12/35 Protecting application or service provisioning, e.g. securing SIM application provisioning
• CPC Class Codes: H04W 4/50 Service provisioning or reconfiguring

Abstract

Embodiments of the invention can provide systems and methods for on-line credit card transactions. According to one example embodiment of the invention, a method can be provided. The method can include receiving, from a data manager, credit card information of a user; storing, on a secure element, the credit card information of the user; requesting a transaction with a merchant; receiving, from the merchant, a request for the credit card information; and sending, to the merchant, the credit card information of the user and a card-present indicator.

Claims

1. A method comprising:

receiving, by a mobile device comprising one or more processors, from a data manager, credit card information of a user;

storing, on a secure element in the mobile device, the credit card information of the user, wherein the secure element comprises a smart card chip;

requesting, by the mobile device, a transaction with a merchant;

receiving, from the merchant, a request for the credit card information;

generating, by the mobile device in response to the request, a card-present indicator; and

sending, to the merchant, the credit card information of the user and the card-present indicator.

2. The method of claim 1, wherein the credit card information is received from the data manager via secured provisioning.

3. The method of claim 1, wherein the credit card information is encrypted.

4. The method of claim 1, wherein the transaction comprises a request to purchase an item or a service.

5. The method of claim 1, wherein the card-present indicator is associated with the transaction.

6. The method of claim 5, wherein the merchant sends the credit card information and the card-present indicator to a lender for payment, and wherein the merchant is not charged a card-not-present fee based at least in part on the card-present indicator.

7. A method comprising:

provisioning, by a computer comprising one or more processors, a device with credit card information of a user;

receiving, by the computer from the device, a request for a transaction with a merchant;

generating, by the computer in response to the request, a card-present indicator; and

transmitting the card-present indicator to the device.

8. The method of claim 7, wherein the device is provisioned securely.

9. The method of claim 7, wherein the device is a mobile device, a smart phone, a personal digital assistant (PDA), a smart television, a personal computer (PC), or a tablet PC.

10. The method of claim 7, wherein the card-present indicator is associated with the transaction.

11. A system comprising:

at least one memory configured to store computer-executable instructions; and

at least one processor configured to access the at least one memory and execute the computer-executable instructions to;

receive, from a data manager, credit card information of a user;

store, on a secure element, the credit card information of the user, wherein the secure element comprises a smart card chip;

request a transaction with a merchant;

generate, in response to the request, a card-present indicator;

receive, from the merchant, a request for the credit card information; and

send, to the merchant, the credit card information of the user and the card-present indicator.

12. The system of claim 11, wherein the credit card information is received from the data manager via secured provisioning.

13. The system of claim 11, wherein the credit card information is encrypted.

14. The system of claim 11, wherein the transaction comprises a request to purchase an item or a service.

15. The system of claim 11, wherein the card-present indicator is associated with the transaction.

16. The system of claim 15, wherein the computer-executable instructions to send, to the merchant, the credit card information of the user and the card-present indicator comprises instructions to send the credit card information of the user and the card-present indicator to a lender for payment, and wherein the merchant is not charged a card-not-present fee based at least in part on the card-present indicator.

17. A system comprising:

at least one memory configured to store computer-executable instructions; and

at least one processor configured to access the at least one memory and execute the computer-executable instructions to;

provision a device with credit card information of a user;

receive, from the device, a request for a transaction with a merchant;

generate, in response to the request, a card-present indicator; and

transmit the card-present indicator to the device.

18. The system of claim 17, wherein the device is provisioned securely.

19. The system of claim 17, wherein the device is a mobile device, a smart phone, a personal digital assistant (PDA), a smart television, a personal computer (PC), or a tablet PC.

20. The system of claim 17, wherein the card-present indicator is associated with the transaction.