- Patent Title: Secure remote payment transaction processing using a secure element
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Application No.: US14461227Application Date: 2014-08-15
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Publication No.: US09646303B2Publication Date: 2017-05-09
- Inventor: Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
- Applicant: Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
- Applicant Address: US CA San Francisco
- Assignee: Visa International Service Association
- Current Assignee: Visa International Service Association
- Current Assignee Address: US CA San Francisco
- Agency: Kilpatrick Townsend & Stockton LLP
- Main IPC: G06Q20/00
- IPC: G06Q20/00 ; G06Q20/38 ; G06Q20/32 ; G06Q20/40

Abstract:
Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.
Public/Granted literature
- US20150052064A1 Secure Remote Payment Transaction Processing Using a Secure Element Public/Granted day:2015-02-19
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