US 2017/0255929 A1 · MOBILE SECURE ELEMENT BASED SHARED CARDHOLDER VERIFICATION

Abstract

In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.

Claims20

Dependent claims

A mobile device, comprising:

a housing;
and
a secure element within the housing, the secure element including a processor component and a memory component in communication with the processor component, the memory component storing program instructions, the processor component operative with the program instructions to perform functions as follows:
issuing a user verification token from a CVM applet running in the secure element;
receiving the issued user verification token back in the CVM applet from a payment card applet running in the secure element;
verifying, by the CVM applet, the received issued user verification token;
and
in response to the verifying of the received issued user verification token, enabling the payment card applet to perform a payment transaction.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application

15/602,842Filed 23 May 2017

Priority

23 Jan 2014

Published

7 Sep 2017

Term ends

Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 20/3672
Involving electronic purses or money safes: initialising or reloading thereof
G06Q 20/20
Payment architectures: point-of-sale [POS] network systems
G06Q 20/3278
Short range or proximity payments by means of M-devices: rFID or NFC payments by means of M-devices
G06Q 20/36
Characterised by the use of specific devices or networks: using electronic wallets or electronic money safes

Mobile secure element based shared cardholder verification

Life of this patent

Mobile secure element based shared cardholder verification

Life of this patent

Abstract

Claims20