Processing payment transactions without a secure element
First Claim
1. A computer-implemented method to process 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 by converting the request for the payment account information to a request understandable by a non-secure element processor, wherein allowing the mobile communication device to process payment transactions using financial account information for any of the plurality of payment providers comprises allowing the mobile communication device to process payment transactions without transferrin control of a secure element processor from one payment provider to a different payment provider;
generating, by the non-secure element processor of the mobile communication device, a response to the request for the payment account information that is indistinguishable from a response generated by a secure element processor, the response comprising a payment account identifier, wherein generating the response by the non-secure element processor allows the mobile communication device to process payment transactions using financial account information for any of a plurality of payment providers; and
transmitting, by the mobile communication device, the response to the request for the payment account information to the point of sale system 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
29 Claims
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1. A computer-implemented method to process 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 by converting the request for the payment account information to a request understandable by a non-secure element processor, wherein allowing the mobile communication device to process payment transactions using financial account information for any of the plurality of payment providers comprises allowing the mobile communication device to process payment transactions without transferrin control of a secure element processor from one payment provider to a different payment provider; generating, by the non-secure element processor of the mobile communication device, a response to the request for the payment account information that is indistinguishable from a response generated by a secure element processor, the response comprising a payment account identifier, wherein generating the response by the non-secure element processor allows the mobile communication device to process payment transactions using financial account information for any of a plurality of payment providers; and transmitting, by the mobile communication device, the response to the request for the payment account information to the point of sale system reader. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 16)
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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, by a mobile communication device and from a point of sale system reader, a request for payment account information to process a payment transaction; computer-readable program instructions for processing, by the mobile communication device, the request for the payment account information, in response to receiving the request by converting the request for the payment account information to a request understandable by a non-secure element processor, wherein allowing the mobile communication device to process payment transactions using financial account information for any of the plurality of payment providers comprises allowing the mobile communication device to process payment transactions without transferrin control of a secure element processor from one payment provider to a different payment provider; computer-readable program instructions for generating, by the non-secure element processor of the mobile communication device, a response to the request for the payment account information, the response comprising a payment account identifier, wherein generating the response by the non-secure element processor allows the mobile communication device to process payment transactions using financial account information for any of a plurality of payment providers; and computer-readable program instructions for transmitting, by the mobile communication device, the response to the request for the payment account information to the point of sale system reader. - View Dependent Claims (12, 13, 14, 15)
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17. A mobile communication device for processing payment transactions without accessing a secure element, comprising:
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a non secure element storage device; a controller communicatively coupled to the storage device; and a non secure element processor communicatively coupled to the storage device and the controller, the controller of the mobile communication device executing application code instructions that are stored in the non secure element storage device to cause the mobile communication device to; receive a request for payment account information to process a payment transaction from a point of sale system reader; and process the request for the payment account information by converting the request for the payment account information to a request understandable by the non secure element processor, wherein allowing the mobile communication device to process payment transactions using financial account information for any of the plurality of payment providers comprises allowing the mobile communication device to process payment transactions without transferring control of a secure element processor from one payment provider to a different payment provider; and the non secure element processor of the mobile communication device executing application code instructions that are stored in the non secure element storage device to cause the mobile communication device to; generate a response to the request for the payment account information that is indistinguishable from a response generated by a secure element processor, the response comprising a payment account identifier, wherein generating the response by the non secure element processor allows the mobile communication device to process payment transactions using financial account information for any of a plurality of payment providers. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29)
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Specification