Personal point of sale (pPOS) device with a local and/or remote payment kernel 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 secure element communicatively coupled to the secure MCF and configured to store and process payment and identification application; and
a first interface between a reader and the secure MCF, a second interface between the secure element and a sensor switch, and a third interface between the secure MCF and a second MCF to communicatively couple the secure MCF to a remote payment kernel through the second MCF and a separate interface between the second MCF and the remote payment kernel, and therein provide access to the remote payment kernel.
1 Assignment
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Accused Products
Abstract
Within EMV payment specification, use of an unattended terminal to accept a payment is allowed. Creating a device that has both 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 pPOS devices and methods that can provide for card present e-commerce transactions with a payment kernel that is local and/or remote to a pPOS device. In some embodiments, a pPOS device can include only a secure microcontroller function (MCF) and a secure element, wherein a payment kernel configured to process payment is local, remote, or split between local and remote to the device. In some embodiments, a pPOS device can further include a reader, a sensor switch, and/or a user interface function.
88 Citations
25 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 secure element communicatively coupled to the secure MCF and configured to store and process payment and identification application; and a first interface between a reader and the secure MCF, a second interface between the secure element and a sensor switch, and a third interface between the secure MCF and a second MCF to communicatively couple the secure MCF to a remote payment kernel through the second MCF and a separate interface between the second MCF and the remote payment kernel, and therein provide access to the remote payment kernel. - View Dependent Claims (2, 3, 4, 5, 6, 24, 25)
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7. An apparatus comprising:
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a device for providing a personal point of sale (pPOS) for card present e-commerce transactions, the device including; a secure microcontroller function (MCF) as part of a computer and configured to access payment information from a reader; and a secure element to store and execute a payment application and identification application to authenticate at least one of a payment instrument and a user of the device for a transaction; and a payment kernel configured to interface with the secure MCF, through a second MCF that communicatively couples the secure MCF with the payment kernel, and to process payment for the transaction in response to the authentication, the payment kernel being local, remote, or split between local and remote to the device; and wherein the apparatus includes a first interface between the reader and the secure MCF, a second interface between the secure element and a sensor switch, and a third interface between the secure MCF and second MCF to provide access to the payment kernel, the third interface being separate from an interface between the second MCF and the payment kernel. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. 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) communicatively coupled with a payment kernel remote to the device via a second MCF; a secure element to store and process payment and identification application; and a first interface between a reader and the secure MCF, a second interface between the secure element and a sensor switch, and a third interface between the secure MCF and the second MCF that is to provide access to the payment kernel by the secure MCF through the second MCF and a separate interface between the second MCF and the payment kernel.
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Specification