Payment system

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11989727
APP PUB NO 20230306419A1
SERIAL NO

18320103

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. An ICC Master Key corresponding to the payment application is held by a trusted authority, such as the issuing bank. The trusted authority is adapted generate time-limited session keys on the basis of the ICC Master Key and distribute session keys to the payment application. Receipt of a session key by the payment application enables the payment application to conduct an EMV payment transaction. The session key is used to authorize a single EMV payment transaction.

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Patent Owner(s)

Patent OwnerAddress
VISA EUROPE LIMITEDLONDON

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fiske, Stuart Guildford, GB 10 242

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Nov 21, 2027
7.5 Year Payment $3600.00 $1800.00 $900.00 Nov 21, 2031
11.5 Year Payment $7400.00 $3700.00 $1850.00 Nov 21, 2035
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00