US 10,504,114 B2Granted

Electronic authentication systems

AssigneeMastercard International Incorporated

InventorsPatrick Mestré, Patrik Smets

Life of this patent

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Abstract

Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. The device also includes an input in communication with the processor and configured to receive transaction data from a point of interaction in connection with the transaction, and an output in communication with the processor and configured to transmit transaction data to the point of interaction in connection with the transaction when the system environment module determines that the payment application is eligible for the transaction.

Claims19

Dependent claims

A transaction device for interacting with a point of interaction to carry out a transaction by a consumer, the transaction device comprising:

an input configured to receive transaction data and functionality data from a point of interaction in connection with a transaction, the functionality data indicative of one or more terminal capabilities of the point of interaction;
a secure element comprising multiple payment applications, each of the multiple payment applications associated with one or more requirements, preferences, and/or services linked to the payment application;
a processor in communication with the input and the secure element, the processor comprising a system environment module separate from the secure element, and wherein the secure element is separate from the processor;
wherein the processor is configured to call the system environment module when the input receives the transaction data and the functionality data from the point of interaction before the transaction takes place;
wherein the system environment module, when called by the processor, is configured to:
interface with the multiple payment applications included in the secure element and gather the requirements, preference, and/or services from the multiple payment applications;
for each of the multiple payment applications, compare the transaction data received from the point of interaction for the transaction and the functionality data received from the point of interaction against the one or more requirements, preferences, and/or services gathered from the payment application;
based on the comparisons, determine whether each of the multiple payment applications is eligible to be used for the transaction;
and
an output in communication with the processor and configured to transmit transaction data, from one of the multiple payment applications of the secure element, to the point of interaction in connection with the transaction, when the system environment module determines that the one of the multiple payment applications is eligible for the transaction, thereby configuring the transaction device in accordance with the one or more terminal capabilities of the point of interaction.

7 more elements

A computer-implemented method for carrying out a transaction by a consumer, between a transaction device associated with the consumer and a point of interaction, the method comprising:

receiving, by an input of a transaction device, transaction data and functionality data from a point of interaction in connection with a transaction by a consumer using the transaction device, the functionality data relating to terminal capabilities of the point of interaction, the transaction device including a processor and a secure element comprising multiple payment applications, each of the multiple payment applications associated with one or more requirements, preferences, and/or services linked to the payment application;
calling, by the processor of the transaction device, a system environment module of the transaction device when the input receives the transaction data and the functionality data from the point of interaction before the transaction takes place;
when the system environment module is called by the processor, interfacing, by the system environment module of the transaction device, with the multiple payment applications included in the secure element and gathering the requirements, preferences, and/or services from the multiple payment applications;
for each of the multiple applications, comparing, by the system environment module of the transaction device, the functionality data received from the point of interaction against the one or more requirements, preferences, and/or services gathered from the payment application;
based on the comparison, determining, by the system environment module of the transaction device, whether each of the multiple payment applications included in the secure element at the transaction device is eligible for the transaction;
and
when one or more of the multiple payment applications is eligible for the transaction, transmitting, by the secure element of the transaction device, via at least one of said one or more eligible payment applications, transaction data to the point of interaction in connection with the transaction.

4 more elements

A computer-implemented method for carrying out a transaction by a consumer, between a transaction device associated with the consumer and a point of interaction, the method comprising:

receiving, by an input of a transaction device, transaction data and functionality data from a point of interaction in connection with a transaction by a consumer using the transaction device, the functionality data relating to terminal capabilities of the point of interaction, the transaction device including a processor and a secure element comprising multiple payment applications, each of the multiple payment applications associated with one or more requirements, preferences, and/or services linked to the payment application;
calling, by the processor of the transaction device, a system environment module of the transaction device when the input receives the functionality data from the point of interaction before the transaction takes place;
when the system environment module is called by the processor, interfacing, by the system environment module of the transaction device, with one or more of the multiple payment applications included in the secure element and gathering the requirements, preferences, and/or services from each of said one or more of the multiple payment applications;
comparing, by the system environment module of the transaction device, the functionality data received from the point of interaction against the one or more requirements, preferences, and/or services gathered from each of said one or more of the multiple payment applications;
based on the comparison, determining, by the system environment module of the transaction device, whether at least one of said one or more of the multiple payment applications is eligible for the transaction;
and
when one of said one or more of the multiple payment applications is eligible for the transaction, transmitting, by the transaction device, via said eligible payment application, transaction data to the point of interaction in connection with the transaction.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 15/265,170Filed 14 Sep 2016 · continuation
Priority: GB 1310084.76 Jun 2013
Published: US 2017/0011370 A112 Jan 2017
Granted: 10 Dec 2019
Term ends: Not estimatedThe source records don’t support an estimate.

Classification14 codes

G06Q 20/401
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check…:…
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments
G06Q 20/341
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: active cards, i.e. cards including their own processing means, e.g. including…
G06Q 20/3829
Insuring higher security of transaction: involving key management

Family

Application14/298,280Parent of this continuation · filed 6 Jun 2014
US 2017/0011370 A1Pre-grant publication · published 12 Jan 2017
US 9,485,092 B2Parent of this continuation
US 2014/0365776 A1Published application
US 10,504,114 B2This patent

From the US filing history. Foreign family members aren’t listed.

Timeline

Citations

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