Mobile secure element based shared cardholder verification
US10115103B2 · kind B2 · utility
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20Claims
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Key dates
| Filing date | May 23, 2017 |
| Grant date | Oct 30, 2018 |
| Priority date | — |
| Expiry date | May 23, 2037 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/40145
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.