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Trusted internal interface

An internal interface, application information technology, applied in the activation, instrumentation, marketing, etc. of the coded identification card or credit card, which can solve the problems of transaction processing delay and inefficiency

Active Publication Date: 2018-01-19
VISA INT SERVICE ASSOC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This is inefficient and can cause delays in transaction processing if multiple remote data processing operations are required to complete the transaction

Method used

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Examples

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Embodiment Construction

[0020] The appendices contained in this application should be considered a part of this application and are incorporated by reference in their entirety for all purposes.

[0021] Embodiments of the invention are typically implemented in the context of a payment transaction system, and more particularly in the context of a payment device for performing payment transactions. In embodiments of the present invention, exemplary payment means may include, but are not limited to, smart cards including embedded chips, mobile devices such as phones or key fobs including embedded chips, contactless chips embedded in suitable portable devices ,etc. In a typical payment transaction, a consumer provides a payment account or payment device identifier to a merchant or service provider. According to an embodiment, the payment account or payment device identifier may be in the form of a card (such as a smart card with an embedded chip that communicates with a point-of-sale terminal or device ...

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Abstract

The invention relates to a trusted internal interface. An interface and device architecture for a payment device is disclosed. An interface between a payment application installed in a payment deviceand one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and datatransfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.

Description

[0001] This application is a divisional application of a Chinese patent application with an application date of June 1, 2011, an application number of 201180014109.5, and a title of "trusted internal interface". [0002] Cross References to Related Applications [0003] This application claims priority to U.S. Patent Application No. 13 / 149,553, entitled "Trusted internal Interface," filed May 31, 2011, based on 35 U.S.C. §119(e) claims the benefit of U.S. Provisional Patent Application No. 61 / 350,719, filed June 2, 2010, entitled "Trusted Internal Interfaces on Chip Cards and Devices," The entire disclosure of each of the aforementioned applications is hereby incorporated by reference for all purposes. technical field [0004] The present invention relates to trusted internal interfaces. Background technique [0005] Embodiments of the present invention relate to systems, devices and methods for conducting payment transactions, and more particularly to internal interfaces ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q20/20G06Q20/32G06Q20/34G06Q30/02G06Q30/06G07F7/10
CPCG06Q20/10G06Q20/32G06Q20/3226G06Q20/3229G06Q20/3563G06Q20/3574G06Q30/0641G07F7/10G06Q30/0226G06Q20/322G06Q20/34G06Q20/357G06Q20/327G06Q20/105G06Q20/325G06Q20/20G06Q20/202G06Q20/3278
Inventor O·麦克霍顿T·希尔E·王O·马卡兰科H·恩戈C·阿艾拜W·A·特豪
Owner VISA INT SERVICE ASSOC
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