METHOD, DEVICE AND SECURE ELEMENT FOR CONDUCTING A SECURED FINANCIAL TRANSACTION ON A DEVICE
6 Assignments
0 Petitions
Accused Products
Abstract
A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.
12 Citations
59 Claims
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30. A secure element for installation in a device used as a payment terminal, the secure element comprising instructions to run:
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an Europay, MasterCard, and Visa (EMV) transaction module that is configured to process data acquired by an interface of the device from a payment apparatus in accordance with a certification standard; and an operating system (OS) configured to process data provided by the EMV transaction module in accordance with the Level 1 of the EMVCo standard. - View Dependent Claims (31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41)
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42. A non-transitory computer readable storage medium comprising computer-executable instructions for execution by a device used as a payment terminal, the computer-executable instructions, upon execution by the device, causing to run:
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an Europay, MasterCard, and Visa (EMV) transaction module that is configured to process data acquired by an interface of the device from a payment apparatus in accordance with a certification standard; and an operating system (OS) configured to process data provided by the EMV transaction module in accordance with the Level 1 of the EMVCo standard. - View Dependent Claims (43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54)
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Specification