Invention Grant
- Patent Title: Remote EMV payment applications
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Application No.: US16033845Application Date: 2018-07-12
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Publication No.: US11651369B2Publication Date: 2023-05-16
- Inventor: Carlos Silvestre
- Applicant: American Express Travel Related Services Company, Inc.
- Applicant Address: US NY New York
- Assignee: American Express Travel Related Services Company, Inc.
- Current Assignee: American Express Travel Related Services Company, Inc.
- Current Assignee Address: US NY New York
- Agency: Thomas | Horstemeyer LLP
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; G06Q20/20 ; G06Q20/32

Abstract:
Systems and methods for transactions using remote EMV payment applications are disclosed. The system may enable EMV transactions to be completed using EMV payment applications stored in a remote server. The remote EMV payment application may directly communicate EMV transaction data to the issuer system to complete transactions. The system may receive a transaction request comprising a payment token and an EMV payment application uniform resource identifier (“URI”). The system may invoke from a payment application server a remote EMV payment application based on the EMV payment application URI, wherein in response to being invoked, the remote EMV payment application is configured to interact with a merchant system kernel to process the transaction request, and wherein in response to processing the transaction request the remote EMV payment application is configured to transmit a transaction authorization request comprising EMV transaction data directly to the issuer system.
Public/Granted literature
- US20200019961A1 REMOTE EMV PAYMENT APPLICATIONS Public/Granted day:2020-01-16
Information query