# US 2018/0025343 A1 · Method for processing a transaction from a communication terminal

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- Number: US 2018/0025343 A1
- Document ID: US20180025343A1
- Status: Published application
- Kind: A1
- Application number: 15/542,591
- Filed: 2016-01-08
- Published: 2018-01-25
- Earliest claimed: 2015-01-09
- Assignees: Ingenico Group
- Applicants: Ingenico Group
- Inventors: Pierre Quentin; Jean-Bernard BLANCHET
- Web page: https://patentgrep.com/patent/US20180025343A1

## CPC

- G06Q 20/401: {Transaction verification}
- G06F 21/53: by executing in a restricted environment, e.g. sandbox or secure virtual machine
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/2295: {Parent-child type, e.g. where parent has control on child rights}
- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/351: {Virtual cards}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 20/40975: {using encryption therefor}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- H04L 9/3226: {using a predetermined code, e.g. password, passphrase or PIN (network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083)}
- H04L 63/0428: {wherein the data content is protected, e.g. by encrypting or encapsulating the payload}
- H04L 63/10: {for controlling access to devices or network resources}
- H04L 63/101: {Access control lists [ACL]}
- H04L 67/51: Discovery or management thereof, e.g. service location protocol [SLP] or web services
- H04W 12/08: Access security
- H04W 12/12: Detection or prevention of fraud
- G06Q 2220/00: Business processing using cryptography
- H04L 67/34: {involving the movement of software or configuration parameters (network booting or remote initial program loading [RIPL] G06F9/4416)}
- H04W 12/47: using near field communication [NFC] or radio frequency identification [RFID] modules
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

A method for the processing, by a transaction-processing server, of a transaction at least partially initiated from a communications terminal connectable to the server by using a communications network. This method includes: creating a secured communications channel with the communications terminal; instantiation, within an execution server on the communications network, of a virtual payment terminal capable of exchanging information with the communications terminal by using the secured communications channel; and processing a transaction between the communications terminal and the virtual payment terminal implementing at least one secure element of the communications terminal, the secure element being configured to exchange an identifier of the type of service.

## Claims

### Claim 1

A method for processing, by a transaction-processing server, of a transaction at least partially initiated from a communications terminal connectable to said server by using a communications network, method comprising the following acts:
creating a secured communications channel with the communications terminal;
instantiation, within an execution server on said communications network, of a virtual payment terminal capable of exchanging information with said communications terminal by using said secured communications channel;
processing a transaction between the communications terminal and the virtual payment terminal implementing at least one secure element of the communications terminal, said secure element being configured to exchange an identifier of the type of service, said processing a transaction comprising :
reception, from said virtual payment terminal, of an identifier representing a type of said transaction to be processed, an index representing a set of data useful for the processing of said transaction and a personal identification number entered into said communications terminal;
verifying that there is a match between said personal identification number entered and a personal identification number expected for said type of transaction to be processed;
when said verification is positive, obtaining data for continuance of the transaction, as a function of said identifier representing the type of said transaction to be processed and said index representing a set of data useful for the processing of said transaction;
transmitting said set of data to a third-party server capable of carrying out the transaction.

### Claim 2 (depends on 1)

The method for processing according to claim 1, wherein the act of processing a transaction comprises at least one exchange of data in the form of an APDU between the secure element and the virtual payment terminal.

### Claim 3

(canceled)

### Claim 4 (depends on 1)

The method for processing a transaction according to claim 1, wherein the method comprises, prior to the act of creating a secured communications channel with the communications terminal, an act of receiving at least one request for registering said communications terminal with said transaction-processing server.

### Claim 5 (depends on 1)

The method for processing a transaction according to claim 1, wherein the method comprises, prior to the act of creating a secured communications channel with the communications terminal, an act receiving a request for initializing a transaction coming from a merchant server.

### Claim 6 (depends on 1)

The method for processing according to claim 1, wherein said identifier of the type of service is composed of sixteen digits.

### Claim 7 (depends on 1)

The method for processing according to claim 1, wherein said index representing a set of data associated with said type of service is transmitted to said virtual payment terminal in 9F10 field of an APDU transmitted between the secure element and the virtual payment terminal during the act of processing the transaction.

### Claim 8

A server for processing transactions at least partially initiated from a communications terminal connected to said server by using a communications network, wherein the server comprises:
a processor; and
at least one non-transitory computer-readable medium comprising computer-implemented instructions executable by the processor, which configure the server to perform acts comprising:
creating a secured communications channel with said communications terminal;
instantiation, within an execution server on said communications network, of a virtual payment terminal capable of exchanging information with said communications terminal by using said secured communications channel;
processing transactions between the communications terminal and said virtual payment terminal implementing at least one secure element of said communications terminal, said secure element being configured to exchange an identifier of the type of service.

### Claim 9

A non-transitory computer-readable medium comprising a computer program product stored thereon, which comprises program code instructions for executing a method of processing a transaction, at least partially initiated from a communications terminal connectable to said server by using a communications network, when the instructions are executed by a processor of a transaction-processing server, wherein the instructions configure the transaction-processing server to perform acts comprising:
creating a secured communications channel with the communications terminal;
instantiation, within an execution server on said communications network, of a virtual payment terminal capable of exchanging information with said communications terminal by using said secured communications channel;
processing a transaction between the communications terminal and the virtual payment terminal implementing at least one secure element of the communications terminal, said secure element being configured to exchange an identifier of the type of service, said processing a transaction comprising :
reception, from said virtual payment terminal, of an identifier representing a type of said transaction to be processed, an index representing a set of data useful for the processing of said transaction and a personal identification number entered into said communications terminal;
verifying that there is a match between said personal identification number entered and a personal identification number expected for said type of transaction to be processed;
when said verification is positive, obtaining data for continuance of the transaction, as a function of said identifier representing the type of said transaction to be processed and said index representing a set of data useful for the processing of said transaction;
transmitting said set of data to a third-party server capable of carrying out the transaction.

### Claim 10

(canceled)

### Claim 11

(canceled)

### Claim 12

(canceled)

### Claim 13

(canceled)