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公开(公告)号：US20140188640A1
公开(公告)日：2014-07-03
申请号：US14200442
申请日：2014-03-07
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Jonathan Main , Ronald D. Carter , David A. Roberts
CPC classification number: G06Q20/206 , G06Q20/3226 , G06Q20/3229 , G06Q20/3278 , G06Q20/3437 , G06Q20/4012 , G06Q20/4016
Abstract: A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision.
Abstract translation: 移动设备包括壳体和安装在壳体中或外壳上的天线，用于与销售点（POS）终端交换交易信号。 移动设备还包括用户接口元件，耦合到天线的收发器以及包括处理电路和安全勾号计数器的安全元件。 安全元件存储可操作以在与销售点（POS）终端进行接口之前执行用户选择的预先签名过程的支付应用。 处理电路验证用户，获得第一刻度值，将移动设备设置为事务使能状态，当收发器与POS终端接口时，获得来自安全勾号计数器的当前刻度值，计算差值 在当前刻度值和第一个刻度值之间，并执行风险管理决策。
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公开(公告)号：US09589258B2
公开(公告)日：2017-03-07
申请号：US14200442
申请日：2014-03-07
Applicant: MasterCard International Incorporated
Inventor： Simon Phillips , Jonathan Main , Ronald D. Carter , David A. Roberts
CPC classification number: G06Q20/206 , G06Q20/3226 , G06Q20/3229 , G06Q20/3278 , G06Q20/3437 , G06Q20/4012 , G06Q20/4016
Abstract: A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision.
Abstract translation: 移动设备包括壳体和安装在壳体中或外壳上的天线，用于与销售点（POS）终端交换交易信号。 移动设备还包括用户接口元件，耦合到天线的收发器以及包括处理电路和安全勾号计数器的安全元件。 安全元件存储可操作以在与销售点（POS）终端进行接口之前执行用户选择的预先签名过程的支付应用。 处理电路验证用户，获得第一刻度值，将移动设备设置为事务使能状态，当收发器与POS终端接口时，获得来自安全勾号计数器的当前刻度值，计算差值 在当前刻度值和第一个刻度值之间，并执行风险管理决策。
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