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Method for sending payment data over various air interfaces without corrupting user data

A payment data, air interface technology, applied in payment systems, data processing applications, payment architectures, etc., can solve problems such as data interception and damage

Active Publication Date: 2018-02-13
APPLE INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Preventing APs from accessing sensitive payment information is necessary because current payment schemes use real payment information (credit card numbers, expiration dates, etc.) Malicious app blocking and corruption

Method used

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  • Method for sending payment data over various air interfaces without corrupting user data
  • Method for sending payment data over various air interfaces without corrupting user data
  • Method for sending payment data over various air interfaces without corrupting user data

Examples

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Embodiment Construction

[0016] In the following description, numerous specific details are set forth in order to provide a thorough understanding of the concepts underlying the described embodiments. It will be apparent, however, to one skilled in the art that the described embodiments may be practiced without some or all of these specific details. In other instances, well known process steps have not been described in detail in order to avoid unnecessarily obscuring the underlying concepts.

[0017] figure 1 Illustrated is a portable device 102 including a secure element (SE) 108 configured to securely store and provide access to credit card information 106 in accordance with one or more embodiments. Device 102 also includes an application processor (AP) 104 that executes applications for purchasing goods and services, eg, using credit card information 106 to send payments to vendor systems such as point-of-sale (POS) devices 116 . Portable device 102 also includes one or more air interfaces, such...

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PUM

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Abstract

The invention discloses a commercial transaction method. In the method, the procurement device firstly establishes a secure link through the first air interface. This secure link is between the purchasing device and the point-of-sale device. The method also identifies a second air interface different from the first air interface, and the second air interface is used to conduct a secure business transaction.

Description

technical field [0001] Embodiments described herein generally relate to methods and apparatus for conducting wireless commercial transactions that are both user-friendly and secure. Background technique [0002] Devices located in proximity to each other may communicate directly using proximity technologies such as near field communication (NFC), radio frequency identifiers (RFID), and the like. These protocols can quickly and easily establish a wireless communication link between devices without requiring, for example, setup and registration of these devices with a network provider. NFC can be used in electronic transactions, such as for securely sending online purchase order and payment information from a buyer's mobile device to a seller's point-of-sale (POS) device. [0003] Currently, payment information such as credit card data in a mobile device is sent directly from a secure element (SE) located in the device such as a mobile phone through a proximity interface such...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06F17/00G06Q20/38
CPCG06Q20/29G06Q20/322G06Q20/3278G06Q20/204G06Q20/3227G06Q20/3829G06Q20/425G06Q30/02G06Q30/06G06Q20/02
Inventor A·A·柯恩D·T·哈格蒂S·M·赫兹B·J·塔克
Owner APPLE INC