Virtual point of sale
AssigneeEnt. Services Development Corporation LP
InventorWade MURPHY
Life of this patent
Estimating the term…
Abstract
A portable device includes a communication interface to communicate with a consumer endpoint device, and a reader to receive a payment credential of a payment card detected by the portable device, to support a virtual point-of-sale (POS), card present online transaction between the consumer endpoint device and a merchant server. The portable device can establish a secure session with a host system using a cryptographic key, and send an authorization request comprising the payment credential in the secure session with the host system, the authorization request seeking authorization of payment for the online transaction.
Claims15
A method comprising:
- establishing, between a virtual point-of-sale (POS) engine and a host system, a secure session using a cryptographic key provided by a portable device, the secure session established through a computing device to which the portable device is in communication;
- for an online transaction between the computing device and a merchant server, receiving, with the virtual POS engine comprising the portable device separate from the computing device, information of a payment card detected by a reader of the portable device;
- receiving, based on activation of a user input component of the portable device with respect to a user interface displayed by the computing device, a security code;
- and
- sending, by the virtual POS engine, a payment authorization request comprising a payment credential and the security code to the host system through the secure session.
A portable device comprising:
- a communication interface to communicate with a consumer endpoint device;
- a reader to receive a payment credential of a payment card detected by the portable device, to support a virtual point-of-sale (POS), card present online transaction between the consumer endpoint device and a merchant server;
- and
- a storage medium to store a cryptographic key;
- processing hardware;
- and
- machine-readable instructions executable on the processing hardware to:
- establish a secure session with a host system using the cryptographic key,
- create a personal identification number (PIN) block, and
- send an authorization request comprising the payment credential and the PIN block in the secure session with the host system, seeking authorization of payment for the online transaction from an issuer entity.
An article comprising at least one non-transitory machine-readable storage medium storing instructions that upon execution cause a portable device to:
- establish a secure session with a host system using a cryptographic key in a tamper-resistant security module of the portable device;
- and
- present a prompt by a consumer endpoint device with which the portable device is in communication, the prompt asking a user to input a physical payment card to the portable device;
- receive, from a reader of the portable device, a payment credential from the payment card that is detected by the reader;
- present a prompt by a consumer endpoint device with which the portable device is in communication, the prompt asking a user to input a security code
- receive from the user a security code via user-actuatable control buttons on the portable device;
- create a block by encrypting the security code using the cryptographic key;
- and
- perform authorization of payment for the online transaction by sending the payment credential and the block in a payment authorization request through the secure session with the host system.
Dependencies are inferred from the claim text.