Integration of payment capability into secure elements of computers

摘要

Methods, secure elements, validation entities, and computer program products for effecting secure communication of payment information to merchants for Internet-based purchases. Payment information for a user's real payment information is installed in a secure element of a computer, the payment information may comprise a pseudo PAN number for the portable consumer device provided by a validation entity. The secure element is shielded from the computer's operating system to thwart hacker attacks. The user accesses the secure element to make a purchase. In response, the secure element contacts the validation entity with the pseudo account number, and in response obtains dynamic payment information that the secure element can used to effect the payment. The dynamic payment information comprises an account number that is different from the pseudo PAN, and which has at least one difference which respect to the user's real payment information.

主权项

1. A method comprising:
receiving, at a computer comprising a secure element, a real account number, wherein the secure element is immune from being hacked by computer viruses installed on the computer, wherein the secure element comprises a processor, a memory coupled to the processor, and an input/output controller coupled to the processor, and wherein the memory of the secure element stores a unique identifier identifying the secure element; obtaining the unique identifier identifying the secure element from the memory of the secure element; encrypting, the unique identifier identifying the secure element using an encryption key stored in the secure element, prior to sending the obtained unique identifier to a remote server; sending the real account number, and the encrypted unique identifier identifying the secure element to the remote server; receiving, in response to sending the real account number, and the encrypted unique identifier identifying the secure element to the remote server, a pseudo account number from the remote server, the received pseudo account number being different from the real account number and having the same form as the real account number; and storing, in the memory of the secure element, the received pseudo account number.