APPARATUS AND METHOD FOR PREVENTING UNAUTHORIZED ACCESS TO PAYMENT APPLICATION INSTALLED IN CONTACTLESS PAYMENT DEVICE
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United States of America Patent
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Issued Date -
Aug 26, 2010
app pub date -
Sep 21, 2009
filing date -
Sep 22, 2008
priority date (Note) -
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Abstract
A system, apparatus, and method for preventing the unauthorized access to a payment application installed on a mobile payment device, or to transaction data stored in the device. The mobile payment device may be a mobile phone that includes a contactless element (such as a contactless smart chip) and that is capable of communication and data transfer using a wireless communications network and a near field communications capability. Unauthorized access to the payment application is prevented by requiring that access control data be received from a trusted source, such as a controller or application in charge of managing inputs from a phone keypad, in order to activate the payment application or to access stored data.
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