US 2019/0156321 A1Published application

Method, device and secure element for conducting a secured financial transaction on a device

AssigneeMobeewave, Inc.

InventorsSebastien FONTAINE, Luc DOLCINO, Benjamin DU HAYS, Maxime DE NANCLAS, Xavier ALBERTI

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Abstract

A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.

Claims20

Dependent claims

A method of operating a mobile device used as a payment terminal, the mobile device being distinct from a dedicated payment terminal, the mobile device being configured to run a point of sale (POS) application and to operate a secure element, the mobile device comprising a central processing unit, a contactless interface comprising a Contactless Front End and a communication interface, the method comprising:

establishing, through the communication interface of the mobile device, a secured communication channel between the secure element and a remote server, the secured communication channel being based on encryption keys;
sending, by a payment applet operated by the secure element, a request to enable a reader mode of the Contactless Front End;
acquiring, by the secure element, via the contactless interface of the mobile device, data associated with a payment apparatus, at least a portion of the data associated with the payment apparatus being solely accessible by the secure element;
sending over the secured communication channel, to the remote server, the at least a portion of the data associated with the payment apparatus so that a transaction may be processed;
sending, by the payment applet, a request to deactivate the reader mode of the Contactless Front End;
and
closing the secured communication channel.

4 more elements

A mobile device to be used as a payment terminal, the mobile device being distinct from a dedicated payment terminal, the mobile device being configured to run a point of sale (POS) application and to operate a secure element, the mobile device comprising a non-transitory computer readable storage medium comprising computer-executable instructions, a central processing unit, a contactless interface comprising a Contactless Front End and a communication interface, the computer-executable instructions, upon execution, causing to execute:

establishing, through the communication interface of the mobile device, a secured communication channel between the secure element and a remote server, the secured communication channel being based on encryption keys;
sending, by a payment applet operated by the secure element, a request to enable a reader mode of the Contactless Front End;
acquiring, by the secure element, via the contactless interface of the mobile device, data associated with a payment apparatus, at least a portion of the data associated with the payment apparatus being solely accessible by the secure element;
sending over the secured communication channel, to the remote server, the at least a portion of the data associated with the payment apparatus so that a transaction may be processed;
sending, by the payment applet, a request to deactivate the reader mode of the Contactless Front End;
and
closing the secured communication channel.

4 more elements

A non-transitory computer readable storage medium comprising computer-executable instructions for execution by a mobile device used as a payment terminal, the mobile device being distinct from a dedicated payment terminal, the mobile device being configured to run a point of sale (POS) application and to operate a secure element, the mobile device comprising a central processing unit, a contactless interface comprising a Contactless Front End and a communication interface, the computer-executable instructions, upon execution, causing to execute:

establishing, through the communication interface of the mobile device, a secured communication channel between the secure element and a remote server, the secured communication channel being based on encryption keys;
sending, by a payment applet operated by the secure element, a request to enable a reader mode of the Contactless Front End;
acquiring, by the secure element, via the contactless interface of the mobile device, data associated with a payment apparatus, at least a portion of the data associated with the payment apparatus being solely accessible by the secure element;
sending over the secured communication channel, to the remote server, the at least a portion of the data associated with the payment apparatus so that a transaction may be processed;
sending, by the payment applet, a request to deactivate the reader mode of the Contactless Front End;
and
closing the secured communication channel.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/251,885Filed 18 Jan 2019
Priority: 29 Feb 2012
Published: 23 May 2019
Term ends: Not estimatedThe source records don’t support an estimate.

Classification16 codes

G06Q 20/3227
Aspects of commerce using mobile devices [M-devices]: using secure elements embedded in M-devices
G06Q 20/20
Payment architectures: point-of-sale [POS] network systems
G06Q 20/32
Characterised by the use of specific devices or networks: using wireless devices
G06Q 20/322
Using wireless devices: aspects of commerce using mobile devices [M-devices]

Family

Application61/604,613Us provisional application · filed 29 Feb 2012
Application14/371,828Continuation · filed 20 Aug 2014
Application15/861,963Continuation · filed 4 Jan 2018
Application16/251,885Continuation
US 10,504,102 B2Related patent
US 10,558,971 B2Related patent
US 2016/0132861 A1Published application
US 2018/0144334 A1Published application
US 9,892,403 B2Related patent
US 2019/0156321 A1This patent

From the US filing history. Foreign family members aren’t listed.