SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR MOBILE DEVICE BASED PAYMENT TRANSACTIONS THROUGH NEAR FIELD COMMUNICATION WITH A CONTACTLESS PAYMENT CARD

SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR MOBILE DEVICE BASED PAYMENT TRANSACTIONS THROUGH NEAR FIELD COMMUNICATION WITH A CONTACTLESS PAYMENT CARD

The invention provides methods, systems and computer program products for implementing a contactless payment card based payment transaction. The invention may in an embodiment be implemented by (i) establishing a contactless communication protocol based data channel with a contactless payment card t...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Gupta, Naveen Kumar, Manchanda, Lalit, Sinha, Ajay
Format: Patent
Sprache:eng
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:The invention provides methods, systems and computer program products for implementing a contactless payment card based payment transaction. The invention may in an embodiment be implemented by (i) establishing a contactless communication protocol based data channel with a contactless payment card through a processor implemented contactless communication enabled device, (ii) receiving payment card information from the contactless payment card over the contactless communication protocol based data channel, (iii) transmitting to a kernel server, a payment transaction request for onward transmission to an issuer server associated with the contactless payment card, the payment transaction request identifying a payment amount, a payee account, and payment account associated with the contactless payment card, (iv) receiving from the kernel server, a validation cryptogram, request wherein the validation cryptogram request has been generated by the issuer server transmitting the validation cryptogram to the kernel server, for onward transmission to the issuer server.