Nxp B.v.

Patrick Ryan Comiskey

Todd Raymond Nuzum

Michael Dow

Melissa A Hunter

Suresh Palliparambil

Derek Alan Snell

Within EMV payment specification, use of an unattended terminal to accept a payment is allowed. Creating a device that has both EMV level 1 (L1) and level 2 (L2) payment components combined with a virtual merchant creates a 'card present' transaction for an on-line or e-commerce merchant. This device can be called a personal Point of Sale (pPOS). This specification discloses pPOS devices and methods that can provide for card present e-commerce transactions with a payment kernel that is local and/or remote to a pPOS device. In some embodiments, a pPOS device can include only a secure microcontroller function (MCF) and a secure element, wherein a payment kernel configured to process payment is local, remote, or split between local and remote to the device. In some embodiments, a pPOS device can further include a reader, a sensor switch, and/or a user interface function.

Personal point of sale (pPOS) device with a local and/or remote payment kernel that provides for card present e-commerce transaction

Within the EMV payment specification, the use of an unattended terminal to accept a payment is allowed. Creating a device that has both the EMV level 1 (L1) and level 2 (L2) payment components combined with a virtual merchant creates a 'card present' transaction for an on-line or e-commerce merchant. This device can be called a personal Point of Sale (pPOS). This specification discloses personal Point of Sale (pPOS) devices and methods that can provide for card present e-commerce transactions. In some embodiments, a pPOS device can include only a secure microcontroller function (MCF), a payment kernel, a secure element, and an interface to an external system with an EMV level 3 (L3) payment application. In some embodiments, a pPOS device can further include a reader. In some embodiments, a pPOS device can still further include a sensor switch and/or a user interface function.

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Lake Saint Louis, MO, United States of America

Patrick Ryan Comiskey