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Methods, apparatus and systems for operating a payment-enabled mobile device to facilitate a payment transaction with a merchant server. In an embodiment, a mobile device processor of the payment-enabled mobile device receives a payment transaction request from a user, transmits a payment transactio...

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Bibliographische Detailangaben
Hauptverfasser:	COLLINGE, Mehdi, SMETS, Patrik, MAIN, Jonathan, James
Format:	Patent
Sprache:	eng ; fre ; ger
Schlagworte:	CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	Methods, apparatus and systems for operating a payment-enabled mobile device to facilitate a payment transaction with a merchant server. In an embodiment, a mobile device processor of the payment-enabled mobile device receives a payment transaction request from a user, transmits a payment transaction initiation message directly to a merchant server of the merchant, and receives a request message from the merchant server that includes one of a request to provide an Authorization Request Cryptogram (ARQC) or a request to provide user consent information. The user consent information may include cardholder verification results or a request to provide an ARQC. Based on the received request message, the mobile device processor selects a particular mobile payment cardlet to use from a plurality of mobile payment cardlets running in a secure element, generates remote payment data using the particular mobile payment cardlet, and transmits the remote payment data to the merchant server to process the payment transaction.