Method, device and secure element for conducting a secured financial transaction on a device

  • US 9,892,403 B2
  • Filed: 02/28/2013
  • Issued: 02/13/2018
  • Est. Priority Date: 02/29/2012
  • Status: Active Grant
First Claim
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1. A secure element for installation in a device used as a payment terminal, the device running a point of sale (POS) application, the POS application comprising a payment control application, the payment control application comprising control instructions to control the secure element, the device comprising a processor, an interface and a communication interface, the secure element comprising a cryptographic accelerator and instructions accessed from a non-transitory computer readable storage medium to cause the secure element, upon executing the instructions, to run:

  • an Europay, MasterCard, and Visa (EMV) transaction module that is configured to process data acquired by the interface of the device from a payment apparatus, the interface being a contactless interface configured to receive data contactlessly from the payment apparatus;

    an operating system (OS) configured to process data provided by the EMV transaction module;

    wherein the EMV transaction module is configured to execute;

    a reception, by the secure element, of a request to conduct a secured financial transaction transmitted by the payment control application running on the processor of the device;

    an acquisition, by the secure element, via the interface of the device, of data relating to a financial account from the payment apparatus, the acquisition comprising (i) a sending of a Select Proximity Payment System Environment (PPSE) request to the payment apparatus, (ii) a receiving of a response from the payment apparatus indicating payment applications supported by the payment apparatus and (iii) a selection of a payment application amongst those available;

    an establishment, by the secure element, of a secured communication channel with a server of a financial institution related to the financial account through the communication interface of the device, the establishment comprising a sending, by the secure element, of a request to establish the secured communication channel by the payment control application;

    a sending over the secured communication channel to the server, by the secure element, of an authorization request to perform the secured financial transaction, the authorization request comprising at least a portion of the data relating to the financial account;

    a reception over the secured communication channel from the server of a response to the authorization request; and

    a processing of the response to the authorization request to generate a status of the secured financial transaction.

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