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System and method for secure transaction process via mobile device

  • US 9,886,688 B2
  • Filed: 08/26/2012
  • Issued: 02/06/2018
  • Est. Priority Date: 08/31/2011
  • Status: Active Grant
First Claim
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1. An electronic user device enabling secure user authentication, the electronic user device comprising:

  • a user device processor, a user device memory, a security control, and a secure element,the security control storing an encryption key and security control instructions, the security control instructions when executed by the security control cause the security control to receive output of a peripheral device and operate in a secure mode to;

    produce an encrypted output of the peripheral device by encrypting the output of the peripheral device based on the encryption key; and

    transmit the encrypted output of the peripheral device to the user device processor,the user device memory storing user device processor instructions, the user device processor instructions when executed by the user device processor cause the user device processor to transfer the encrypted output of the peripheral device to the secure element,the secure element storing a decryption key corresponding to the encryption key, the secure element further storing secure element instructions, the secure element instructions when executed by the secure element cause the secure element to;

    decrypt the encrypted output of the peripheral device based on the decryption key to thereby obtain the output of the peripheral;

    validate the output of the peripheral device; and

    send to the user device processor data representing validation of the output of the peripheral device.

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