Device driver for contactless payments
US12002040B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 26, 2022 |
| Grant date | Jun 4, 2024 |
| Priority date | — |
| Expiry date | Sep 26, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F7/088
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A device is configured to process contactless payments by wirelessly reading account information from enabled payment instruments and providing the account information, along with other information, to a remote payment processing system. The device has an embedded reader, such as a near-field communications (NFC) reader or a radio-frequency identification (RFID) reader. The operating system of the device has a device driver that provides access to the embedded reader. The device driver is implemented as part of the operating system kernel in order to protect it from access by non-privileged software. A POS application installed on the device uses the device driver to obtain payment instrument information from a payment instrument such as a credit card. Before providing the payment instrument information to the POS application, the device driver encrypts the payment instrument information using a public key provided by the payment processing system.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.