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US 2018/0025348 A1Published application
Method system of online payment using mobile device and contactless emv card
OwnerJack Shauh, Andrew Vinh Banhinventors
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Abstract
An online payment system and method including a mobile device with an NFC reader capability is disclosed. An online merchant is coupled in communication between a payment network and the mobile device. A contactless EMV IC card containing card information is provided for making a payment. The card information is readable from the contactless EMV IC card by the NFC reader of the mobile device and sent to the payment network.
Claims13
An online payment system comprising:
- a mobile device including an NFC reader capability;
- an online merchant coupled in communication between a payment network and the mobile device;
- and
- a contactless EMV IC card containing card information for making a payment, the card information readable from the contactless EMV IC card by the NFC reader and sent to the payment network.
1 more element
An online card payment method using a mobile device and contactless EMV IC card comprising the steps of:
- providing a mobile device including an NFC reader capability;
- coupling the mobile device in communication with an online merchant;
- the mobile device receiving purchase information from the online merchant;
- providing a contactless EMV IC card containing card information for making a payment;
- making a payment transaction with the contactless EMV IC card by positioning the contactless EMV IC card proximate the mobile device with NFC reader capability and reading card information from the contactless EMV IC card;
- authenticating the contactless EMV IC card;
- transferring card information to the online merchant;
- sending an authorization request from the online merchant to a payment network;
- and
- sending an authorization response from the payment network to the online merchant, the authorization response being one of an approval and a rejection.
7 more elements
Dependencies are inferred from the claim text.