Methods and apparatus for a secure proximity integrated circuit card transactions
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United States of America Patent
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Sep 8, 2009
Issued Date -
N/A
app pub date -
Jul 23, 2004
filing date -
Jul 9, 2002
priority date (Note) -
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Abstract
Methods and apparatus for a smartcard system are provided which securely and conveniently provides for secure transaction completion in a contact or contactless environment. The invention utilizes selection of processing applications based on the account issuer parameters and risk factors (stored on a smartcard) and merchant system parameters and risk factors (stored on a merchant system database). The invention permits a merchant system and smartcard to exchange information useful for determining if particular transactions should be completed online or offline.
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