Companion applets for web-based transactions
AssigneeSprint Communications Company L.P.
InventorsMichael A. Gailloux, Lauren R. King
Life of this patent
Estimating the term…
Abstract
Systems and methods for completing a transaction using an applet associated with a companion applet on portable electronic device. A least a portion of information from a user profile is obtained by the companion applet from a secure element on the portable electronic device using an application programming interface (API). The portion of information is then passed to the mobile applet and used to populate the fields needed for the vendor or payment processor to complete the transaction, and the transaction is treated as a card-present transaction.
Claims10
A method of completing a card-not-present transaction between a vendor and a portable electronic device connected to a telecommunications network, comprising:
- sending, by a portable electronic device connected to a telecommunications network, a selected payment option to a web page applet to initiate a card-not-present transaction, wherein the web page applet is associated with a vendor's web page, and wherein the portable electronic device comprises a graphical user interface and a secure element;
- determining, by the web page applet, that a mobile applet is present on the portable electronic device;
- accessing, by the mobile applet, an application programming interface (API);
- determining, by the API, that there is a relationship with the selected payment option based on an authorization table;
- in response to the determination that there is a relationship with the selected payment option, retrieving, by the API, at least a portion of a profile on the secure element;
- passing, by the API, the at least the portion of the profile to the mobile applet;
- parsing, by the mobile applet, the at least the portion of the profile;
- reducing, by the mobile applet, data from the at least the portion of the profile to a plurality of fields, wherein each field of the plurality of fields is required to complete the card-not-present transaction;
- sending, by the mobile applet, the reduced data in the plurality of fields to the web page applet associated with the vendor's web page;
- authenticating, by a payment processor, that the reduced data in the plurality of fields sent by the mobile applet to the web page applet originated in the secure element of the portable electronic device;
- and
- in response to the authenticating, completing, by the payment processor, the card-not-present transaction using the reduced data in the plurality of fields that originated in the secure element of the portable electronic device, wherein the vendor treats the card-not-present transaction as a card-present transaction based on the authenticating.
A system for completing a web-based card-not-present transaction between a vendor and a portable electronic device connected to a telecommunications network comprising:
- a portable electronic device connected to a telecommunications network comprising:
- a mobile applet that is a companion applet to a web page applet associated with a vendor's web page, wherein the web page applet receives a selected payment option to initiate a card-not-present transaction, and wherein the vendor's web page comprises a plurality of fields used to complete the card-not-present transaction;
- a secure element comprising a profile;
- and
- an application programming interface that:
- determines that there is a relationship with the selected payment option based on an authorization table, and
- retrieves and passes at least a portion of the profile from the secure element to the mobile applet in response to the determination that there is a relationship with the selected payment option, wherein the mobile applet parses and reduces data from the at least the portion of the profile to the plurality of fields and sends the reduced data in the plurality of fields to the web page applet;
- and
- a payment processor that:
- authenticates that the reduced data in the plurality of fields sent by the mobile applet to the web page applet originated in the secure element of the portable electronic device, and
- in response to the authentication, completes the card-not-present transaction using the reduced data in the plurality of fields that originated in the secure element of the portable electronic device, wherein the vendor treats the card-not-present transaction as a card-present transaction based on the authentication.
Dependencies are inferred from the claim text.