Mobile Information Apparatus That Includes A Secure Element Storing Payment Information And Using A Cryptographic Technique For Implementing Mobile Payment
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United States of America Patent
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app pub date -
Aug 25, 2015
filing date -
Nov 1, 2000
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Abstract
A mobile information apparatus that includes a secure element for making mobile payments associated with a credit card or bank card, via a near distance radio frequency wireless communication unit, is herein disclosed and enabled. At least part of payment information or a device identification number is stored in the secure element or protected memory of the mobile information apparatus. Data stored in the secure element or protected memory is implemented to be not accessible by the user, but is accessible by a memory controller included in the mobile information apparatus implementing a cryptographic algorithm. To authorize payment, the user enters authentication information that may include a password, or a pin code, or user biometrics; and subsequent to the authentication, the mobile information apparatus transmits encrypted data over a short range radio frequency communication link to a wireless output controller or reader for making payment and transaction processing.
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