Methods and apparatus for card transactions

US10515362B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Cristian Radu · Beauvechain, BE
• Fikret Ates · Namur, BE
• Erik Lukas Ekselius · Overijse, BE
• Sebastien Pochic · Brussels, BE
• Fernando Lourenco · Congleton, GB

Key dates

• Filing date: Nov 19, 2013
• Grant date: Dec 24, 2019
• Expiry date: Nov 19, 2033

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/0886
• WIPO field: Control
• WIPO sector: Instruments

Abstract

A secure payment system comprises a merchant POS client and a remote POS server. The merchant POS client comprises a reading device for reading a customer user token and for accepting transaction details and customer verification data, and also a computing device with access to a communications network and in communication with the reading device. The merchant POS client also comprises a merchant token associated with the remote POS server. The remote POS server is in communication with the merchant POS client through the communications network, and one or more elements of the merchant POS client business logic are assured by the remote POS server and not the merchant POS client. A merchant token for use in such a merchant POS client is described, as is a suitable reader device, and a method of conducting a transaction using such a payment system.