Methods for processing transactional data, and corresponding devices and programs
AssigneeIngenico Group
InventorJean-Louis Sarradin
Life of this patent
Estimating the term…
Abstract
The invention relates to a method for processing transactional data, implemented within a secured intermediate server, connected to a communications network. Such a method comprises: reception, by the secured intermediate server, of a request for payment comprising a piece of data representing an identification of a communications terminal used by a user to carry out a purchase operation with a merchant server connected to said communications network; setting up a secured point-to-point link with a payment module of the communications terminal; transmission, to said payment module, of a request for execution of payment; reception, by the payment module, of a piece of information on payment; transmission of a message of information to the merchant server.
Claims4
A method for processing transactional data, implemented within a payment module linked to a communications terminal and connected to a communications network, the method comprising:
- receiving, by the payment module and by using the communications terminal, a request for setting up a secured point-to-point link with a secured intermediate server, as a function of a piece of data representing an identification of said communications terminal;
- setting up said secured link by using at least one encryption key included in said payment module;
- receiving, from the secured intermediate server, a request for executing payment transactions;
- processing a transaction certificate using encryption keys and at least one piece of data coming from a microcircuit card presented by a user to carry out the transaction;
- transmitting said transaction certificate to the secured intermediate server;
- and
- receiving an acknowledgment corresponding to the transaction coming from said secured intermediate server.
A payment module that can be linked to a communications terminal, the module comprising:
- a processor;
- and
- a non-transitory computer-readable medium comprising instructions stored thereon which when executed by the processor configure the payment module to:
- receive, by using the communications terminal, a request for setting up a secured point-to-point link with a secured intermediate server;
- set up said secured link by using at least one encryption key included in said payment module;
- receive, from the secured intermediate server, a request for executing a payment transaction;
- process a transaction certificate using encryption keys and at least one piece of data coming from a microcircuit card presented by a user to carry out the transaction;
- transmit said transaction certificate to the secured intermediate server;
- and
- receive an acknowledgment corresponding to the transaction coming from said secured intermediate server.
Dependencies are inferred from the claim text.