Mobeewave, Inc.

Apple Inc.

Maxime De Nanclas

Sebastien Fontaine

Xavier Alberti

Benjamin Du Hays

Luc Dolcino

Vincent Alimi

A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.

Method, device and secure element for conducting a secured financial transaction on a device

A method of and system for operating a mobile device used as a payment terminal are disclosed. The mobile device is configured to run a point of sale (POS) application for receiving a payment from a customer. User input comprising an amount corresponding to the payment is received. A contactless interface of the mobile device is activated. An indication of one or more payment applications supported by a payment apparatus is received via the contactless interface. One of the payment applications is selected. Data associated with the payment apparatus is acquired. The data associated with the payment apparatus identifies a financial account of the customer. At least a portion of the data associated with the payment apparatus is encrypted. The encrypted data and an identifier corresponding to the merchant are sent to a remote server.

A device, an add-on and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.

Method and device for conducting a secured financial transaction on a device

The present relates to a method and device for controlling access from the device to a card via a Near Field Communication (NFC) interface of the device. An Access Control List (ACL) is stored at a memory of the device. The ACL comprises application signatures and corresponding card identifiers. A request is received at a processor of the device from a specific application executing on the device. The request is for accessing a particular NFC enabled card via the NFC interface of the device. The request comprises a particular card identifier of the particular card and a specific signature of the specific application. A determination is made by the processor based on the specific signature, the particular card identifier and the ACL. The determination consists in whether the specific application is granted or alternatively denied access to the particular card via the NFC interface.

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Montreal, Canada

Maxime De Nanclas