# US 10,504,101 B2 · Method, device and secure element for conducting a secured financial transaction on a device > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,504,101 B2 - Document ID: US10504101B2 - Status: Granted - Kind: B2 - Application number: 16/251,827 - Filed: 2019-01-18 - Published: 2019-05-23 - Granted: 2019-12-10 - Earliest claimed: 2012-02-29 - Assignees: Mobeewave, Inc. - Applicants: Mobeewave Inc. - Inventors: Sebastien Fontaine; Luc Dolcino; Benjamin Du Hays; Maxime De Nanclas; Xavier Alberti - Web page: https://patentgrep.com/patent/US10504101B2 ## CPC - G06Q 20/3227: {using secure elements embedded in M-devices} - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/32: using wireless devices - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3229: {Use of the SIM of a M-device as secure element} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/327: {Short range or proximity payments by means of M-devices} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards - G06Q 20/353: {Payments by cards read by M-devices} - G06Q 20/3825: {Use of electronic signatures} - G06Q 20/3829: {involving key management} - G06Q 20/388: {using mutual authentication without cards, e.g. challenge-response} - G06Q 20/4012: {Verifying personal identification numbers [PIN]} - G06Q 20/409: {Device specific authentication in transaction processing} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## 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. ## Claims ### Claim 1 A method of operating a mobile device used as a payment terminal by a merchant, the mobile device being distinct from a dedicated payment terminal, the mobile device being configured to run a point of sale (POS) application for receiving a payment from a customer and to operate a secure element, the mobile device comprising a central processing unit, a contactless interface and a communication interface, the secure element being characterized by software components operating a secured environment, the POS application comprising a payment control application configured to interact with the secure element, the method comprising: receiving user input comprising an amount corresponding to the payment; activating the contactless interface of the mobile device; receiving, via the contactless interface of the mobile device and from a payment apparatus of the customer, an indication of one or more payment applications supported by the payment apparatus; selecting a payment application of the one or more payment applications supported by the payment apparatus; acquiring, by the secure element, via the contactless interface of the mobile device, data associated with the payment apparatus, wherein the data associated with the payment apparatus identifies the customer's financial account, and wherein at least a portion of the data associated with the payment apparatus is solely accessible by the secure element; encrypting, by the secure element, the at least the portion of the data associated with the payment apparatus, thereby generating encrypted data; establishing, through the communication interface of the mobile device, a secured communication channel between the secure element and a remote server; and sending over the secured communication channel, to the remote server, the encrypted data and an identifier corresponding to the merchant so that a transaction authorization request may be processed. ### Claim 2 (depends on 1) The method of claim 1, wherein the contactless interface comprises a Contactless Front End, wherein the payment apparatus comprises a Proximity Integrated Circuit Card (PICC), wherein the data associated with the payment apparatus comprises payment credentials, and wherein acquiring, by the secure element, via the contactless interface of the mobile device, the data associated with the payment apparatus comprises: receiving, by the secure element, a start payment applet message; starting a payment applet operated by the secure element; sending, by the payment applet, a request to enable a reader mode of the Contactless Front End; reading, by the Contactless Front End, the payment credentials associated with the PICC; and sending, by the payment applet, a request to deactivate the reader mode of the Contactless Front End. ### Claim 3 (depends on 1) The method of claim 1, wherein acquiring, by the secure element, via the contactless interface of the mobile device, the data associated with the payment apparatus comprises: a sending of a Select Proximity Payment System Environment (PPSE) request to the payment apparatus, and wherein the receiving the indication of the one or more payment applications supported by the payment apparatus is in response to the PPSE request. ### Claim 4 (depends on 2) The method of claim 2, wherein communications between the payment control application and the secure element are made through the Contactless Front End. ### Claim 5 (depends on 1) The method of claim 1, further comprising receiving, by the payment control application and via user input from the customer, a Personal Identification Number (PIN); receiving, by the secure element, the PIN; and validating payment credentials corresponding to the payment apparatus based on the PIN. ### Claim 6 (depends on 1) The method of claim 1, wherein establishing, through the communication interface of the mobile device, the secured communication channel between the secure element and the remote server comprises a sending, by the secure element, of a request to establish the secured communication channel by the payment control application. ### Claim 7 (depends on 1) The method of claim 1, wherein the at least a portion of the data associated with the payment apparatus comprises payment credentials. ### Claim 8 (depends on 1) The method of claim 1, further comprising: receiving, over the secured communication channel, from the server, a response to the transaction authorization request; and processing the response to the transaction authorization request to generate a status of a financial transaction. ### Claim 9 (depends on 8) The method of claim 8, further comprising: receiving, by the secure element, a stop payment applet message; and stopping a payment applet operated by the secure element. ### Claim 10 (depends on 1) The method of claim 1, wherein the secured communication channel is based on encryption keys. ### Claim 11 (depends on 1) The method of claim 1, wherein the payment apparatus is one of a payment card and another mobile device. ### Claim 12 (depends on 1) The method of claim 1, further comprising: retrieving biometrics data corresponding to the customer; receiving, by the secure element, the biometrics data; and validating the customer's identity based on the biometrics data. ### Claim 13 A mobile device to be used as a payment terminal by a merchant, the mobile device being distinct from a dedicated payment terminal, the mobile device being configured to run a point of sale (POS) application for receiving a payment from a customer and to operate a secure element, the mobile device comprising a non-transitory computer readable storage medium comprising computer-executable instructions, a central processing unit, a contactless interface and a communication interface, the secure element being characterized by software components operating a secured environment, the POS application comprising a payment control application configured to interact with the secure element, the computer-executable instructions, upon execution, causing to execute: receiving user input comprising an amount corresponding to the payment; activating the contactless interface of the mobile device; receiving, via the contactless interface of the mobile device and from a payment apparatus of the customer, an indication of one or more payment applications supported by the payment apparatus; selecting a payment application of the one or more payment applications supported by the payment apparatus; acquiring, by the secure element, via the contactless interface of the mobile device, data associated with the payment apparatus, wherein the data associated with the payment apparatus identifies the customer's financial account, and wherein at least a portion of the data associated with the payment apparatus is solely accessible by the secure element; encrypting, by the secure element, the at least the portion of the data associated with the payment apparatus, thereby generating encrypted data; establishing, through the communication interface of the mobile device, a secured communication channel between the secure element and a remote server; and sending over the secured communication channel, to the remote server, the encrypted data and an identifier corresponding to the merchant so that a transaction authorization request may be processed. ### Claim 14 (depends on 13) The mobile device of claim 13, wherein the contactless interface comprises a Contactless Front End, wherein the payment apparatus comprises a Proximity Integrated Circuit Card (PICC), wherein the data associated with the payment apparatus comprises payment credentials, and wherein acquiring, by the secure element, via the contactless interface of the mobile device, the data associated with the payment apparatus comprises: receiving, by the secure element, a start payment applet message; starting a payment applet operated by the secure element; sending, by the payment applet, a request to enable a reader mode of the Contactless Front End; reading, by the Contactless Front End, the payment credentials associated with the PICC; and sending, by the payment applet, a request to deactivate the reader mode of the Contactless Front End. ### Claim 15 (depends on 13) The mobile device of claim 13, wherein acquiring, by the secure element, via the contactless interface of the mobile device, the data associated with the payment apparatus comprises: a sending of a Select Proximity Payment System Environment (PPSE) request to the payment apparatus, and wherein the receiving the indication of the one or more payment applications supported by the payment apparatus is in response to the PPSE request. ### Claim 16 (depends on 13) The mobile device of claim 13, wherein establishing, through the communication interface of the mobile device, the secured communication channel between the secure element and the remote server comprises a sending, by the secure element, of a request to establish the secured communication channel by the payment control application. ### Claim 17 A non-transitory computer readable storage medium comprising computer-executable instructions for execution by a mobile device used as a payment terminal by a merchant, the mobile device being distinct from a dedicated payment terminal, the mobile device being configured to run a point of sale (POS) application for receiving a payment from a customer and to operate a secure element, the mobile device comprising a central processing unit, a contactless interface and a communication interface, the secure element being characterized by software components operating a secured environment, the POS application comprising a payment control application configured to interact with the secure element, the computer-executable instructions, upon execution, causing to execute: receiving user input comprising an amount corresponding to the payment; activating the contactless interface of the mobile device; receiving, via the contactless interface of the mobile device and from a payment apparatus of the customer, an indication of one or more payment applications supported by the payment apparatus; selecting a payment application of the one or more payment applications supported by the payment apparatus; acquiring, by the secure element, via the contactless interface of the mobile device, data associated with the payment apparatus, wherein the data associated with the payment apparatus identifies the customer's financial account, and wherein at least a portion of the data associated with the payment apparatus is solely accessible by the secure element; encrypting, by the secure element, the at least the portion of the data associated with the payment apparatus, thereby generating encrypted data; establishing, through the communication interface of the mobile device, a secured communication channel between the secure element and a remote server; and sending over the secured communication channel, to the remote server, the encrypted data and an identifier corresponding to the merchant so that a transaction authorization request may be processed. ### Claim 18 (depends on 17) The non-transitory computer readable storage medium of claim 17, wherein the contactless interface comprises a Contactless Front End, wherein the payment apparatus comprises a Proximity Integrated Circuit Card (PICC), wherein the data associated with the payment apparatus comprises payment credentials, and wherein acquiring, by the secure element, via the contactless interface of the mobile device, the data associated with the payment apparatus comprises: receiving, by the secure element, a start payment applet message; starting a payment applet operated by the secure element; sending, by the payment applet, a request to enable a reader mode of the Contactless Front End; reading, by the Contactless Front End, the payment credentials associated with the PICC; and sending, by the payment applet, a request to deactivate the reader mode of the Contactless Front End. ### Claim 19 (depends on 18) The non-transitory computer readable storage medium of claim 18, wherein acquiring, by the secure element, via the contactless interface of the mobile device, the data associated with the payment apparatus comprises: a sending of a Select Proximity Payment System Environment (PPSE) request to the payment apparatus, and wherein the receiving the indication of the one or more payment applications supported by the payment apparatus is in response to the PPSE request.