Method and apparatus for payment transactions
AssigneeMastercard International Incorporated
InventorsPatrik Smets, David Roberts
Life of this patent
Estimating the term…
Abstract
A contactless card reader system comprises the a contactless card reader for short range wireless communication with a payment device using a contactless card protocol. The reader also comprises a terminal for exchanging data with the payment device and with a remote server to perform a contactless card transaction. The terminal is comprised in a personal computing device. The remote server may provide functionality to the terminal in performance of the transaction. A method of performing a transaction is also described.
Claims12
A contactless card reader system comprising:
- a contactless card reader for short range wireless communication with a payment device using a contactless card protocol, wherein said contactless card reader includes therein a protected execution environment, which is a physically secured environment within the contactless card reader that is separate from other components within the contactless card reader, that (i) includes at least a protected environment processor and a protected environment memory and (ii) is configured to run a contactless protocol kernel that provides for contactless protocol compatibility;
- and
- a terminal for exchanging data with the payment device and with a remote server in order to perform a contactless card transaction, wherein the terminal is comprised in a personal computing device.
A contactless transaction system, comprising:
- a contactless card reader for short range wireless communication with a payment device using a contactless card protocol, wherein said contactless card reader includes therein a protected execution environment, which is a physically secured environment within the contactless card reader that is separate from other components within the contactless card reader, that (i) includes at least a protected environment processor and a protected environment memory and (ii) is configured to run a contactless protocol kernel that provides for contactless protocol compatibility;
- a terminal for exchanging data with the payment device and a remote server for performing a contactless card transaction,
- wherein the terminal is comprised in a personal computing device, and the remote server is configured to provide at least a part of a transaction functionality to the terminal.
A contactless transaction system as claimed in 7, wherein the server provides a firewall to protect other systems.
A method of performing a contactless transaction with a payment device, comprising:
- contacting the payment device to a contactless card reader by short range wireless communication using a contactless card protocol, wherein said contactless card reader includes therein a protected execution environment, which is a physically secured environment within the contactless card reader that is separate from other components within the contactless card reader, that (i) includes at least a protected environment processor and a protected environment memory and (ii) is configured to run a contactless protocol kernel that provides for contactless protocol compatibility;
- running, by said protected execution environment of said contactless card reader, a contactless protocol kernel;
- and
- exchanging data, by the payment device exchanging with a terminal and the terminal communicating with a remote server, to perform a contactless card transaction, wherein the terminal is comprised in a personal computing device.
Dependencies are inferred from the claim text.