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US 2014/0195429 A1Published application
Method for protecting cardholder data in a mobile device that performs secure payment transactions and which enables the mobile device to function as a secure payment terminal
AssigneeCirque Corporation
InventorKeith L. Paulsen
Life of this patent
Estimating the term…
Abstract
A system and method system and method for enabling a portable electronic appliance such as a mobile telephone or tablet computer to be able to function as a device that may store account information in order to make a secure payment, or to be able to use the portable electronic appliance as a secure payment terminal so that a credit card holder may use it to make a secure payment.
Claims15
A system for making a secure payment using a secure element in a mobile device, said system comprised of:
- a mobile device;
- a secure element within the mobile device for securely storing financial data;
- a touch sensor for providing secure input to the secure element that is not accessible by an operating system of the mobile device;
- and
- a means for communicating with a host that processes a financial transaction.
2 more elements
A method for making a secure payment using a secure element in a mobile device, said method comprised of:
- 1) providing a mobile device, a secure element within the mobile device for securely storing financial data, a touch sensor for providing secure input to the secure element that is not accessible by an operating system of the mobile device, and a means for communicating with a host that processes a financial transaction;
- 2) receiving a personal identification number on the touch sensor;
- 3) transmitting the personal identification number to the secure element in a secure manner such that the operating system does not see the personal identification number;
- 4) creating a token that combines at least the personal identification number and a credit card account number;
- and
- 5) transmitting the token to the host.
3 more elements
Dependencies are inferred from the claim text.