System and Method for Payment Hardware System Module (HSM) Integration

A method comprising:

• implementing a standard, payment hardware system module (HSM) application programming interface (API) at a payment system interface (PSI), the PSI interposed between a payment application and at least one payment HSM, the payment HSM API being payment HSM vendor-agnostic;
• and
• enabling, at the PSI, communication between the payment application and the at least one payment HSM, the enabling based on the standard, payment HSM API implemented.

The method of claim 23, further comprising storing subscriber identity data or other data, securely, on the IC chip based on at least one standard, payment HSM API request of the standard, payment HSM API.

A non-transitory computer-readable medium having encoded thereon a sequence of instructions which, when loaded and executed by at least one processor, causes the at least one processor to:

• implement a standard, payment hardware system module (HSM) application programming interface (API) at a payment system interface (PSI), the PSI interposed between a payment application and at least one payment HSM, the payment HSM API being payment HSM vendor-agnostic;
• and
• enable, at the PSI, communication between the payment application and the at least one payment HSM, the enabling based on the standard, payment HSM API implemented.

An apparatus comprising:

• means for implementing a standard, payment hardware system module (HSM) application programming interface (API) between a payment application and at least one payment HSM, the payment HSM API being payment HSM vendor-agnostic;
• and
• means for enabling communication between the payment application and the at least one payment HSM, the enabling based on the standard, payment HSM API implemented.