Title:
Payment transaction processing which does not use a secure element
Document Type and Number:
Japanese Patent JP6022648
Kind Code:
B2
Abstract:
A user conducts a wireless payment transaction with a merchant system by transmitting payment information from a user device to a terminal reader without accessing a secure element resident on the user device. A user taps a user device in a merchant system's terminal reader's radio frequency field. The terminal reader and the user device establish a communication channel and the terminal reader transmits a signal comprising a request for a payment processing response. The signal is received by the user device and converted by a controller to a request understandable by an application host processor. The controller transmits the request to the application host processor, where the request is processed, and a response is transmitted to the controller and then to the terminal reader. The response generated by the application host processor is identifiable by the merchant system as a payment response.
Inventors:
Saler Cobas Youst
Application Number:
JP2015158012A
Publication Date:
November 09, 2016
Filing Date:
August 10, 2015
Export Citation:
Assignee:
GOOGLE INC.
International Classes:
G06Q20/32; G07G1/00; G07G1/12; G07G1/14
Domestic Patent References:
| JP2003036406A | ||||
| JP2005285054A |
Attorney, Agent or Firm:
Yasuhiko Murayama
Shinya Mitsuhiro
Tatsuhiko Abe
Shinya Mitsuhiro
Tatsuhiko Abe