Card-present on-line transactions
View Patent ↗Embodiments of the invention can provide systems and methods for on-line credit card transactions. According to one example embodiment of the invention, a method can be provided. The method can include receiving, from a data manager, credit card information of a user; storing, on a secure element, the credit card information of the user; requesting a transaction with a merchant; receiving, from the merchant, a request for the credit card information; and sending, to the merchant, the credit card information of the user and a card-present indicator.
1. A method comprising:
receiving, by a mobile device comprising one or more processors, from a data manager, credit card information of a user;
storing, on a secure element in the mobile device, the credit card information of the user, wherein the secure element comprises a smart card chip;
requesting, by the mobile device, a transaction with a merchant;
receiving, from the merchant, a request for the credit card information;
generating, by the mobile device in response to the request, a card-present indicator; and
sending, to the merchant, the credit card information of the user and the card-present indicator.
2. The method of claim 1 , wherein the credit card information is received from the data manager via secured provisioning.
3. The method of claim 1 , wherein the credit card information is encrypted.
4. The method of claim 1 , wherein the transaction comprises a request to purchase an item or a service.
5. The method of claim 1 , wherein the card-present indicator is associated with the transaction.
6. The method of claim 5 , wherein the merchant sends the credit card information and the card-present indicator to a lender for payment, and wherein the merchant is not charged a card-not-present fee based at least in part on the card-present indicator.
7. A method comprising:
provisioning, by a computer comprising one or more processors, a device with credit card information of a user;
receiving, by the computer from the device, a request for a transaction with a merchant;
generating, by the computer in response to the request, a card-present indicator; and
transmitting the card-present indicator to the device.
8. The method of claim 7 , wherein the device is provisioned securely.
9. The method of claim 7 , wherein the device is a mobile device, a smart phone, a personal digital assistant (PDA), a smart television, a personal computer (PC), or a tablet PC.
10. The method of claim 7 , wherein the card-present indicator is associated with the transaction.
11. A system comprising:
at least one memory configured to store computer-executable instructions; and
at least one processor configured to access the at least one memory and execute the computer-executable instructions to:
receive, from a data manager, credit card information of a user;
store, on a secure element, the credit card information of the user, wherein the secure element comprises a smart card chip;
request a transaction with a merchant;
generate, in response to the request, a card-present indicator;
receive, from the merchant, a request for the credit card information; and
send, to the merchant, the credit card information of the user and the card-present indicator.
12. The system of claim 11 , wherein the credit card information is received from the data manager via secured provisioning.
13. The system of claim 11 , wherein the credit card information is encrypted.
14. The system of claim 11 , wherein the transaction comprises a request to purchase an item or a service.
15. The system of claim 11 , wherein the card-present indicator is associated with the transaction.
16. The system of claim 15 , wherein the computer-executable instructions to send, to the merchant, the credit card information of the user and the card-present indicator comprises instructions to send the credit card information of the user and the card-present indicator to a lender for payment, and wherein the merchant is not charged a card-not-present fee based at least in part on the card-present indicator.
17. A system comprising:
at least one memory configured to store computer-executable instructions; and
at least one processor configured to access the at least one memory and execute the computer-executable instructions to:
provision a device with credit card information of a user;
receive, from the device, a request for a transaction with a merchant;
generate, in response to the request, a card-present indicator; and
transmit the card-present indicator to the device.
18. The system of claim 17 , wherein the device is provisioned securely.
19. The system of claim 17 , wherein the device is a mobile device, a smart phone, a personal digital assistant (PDA), a smart television, a personal computer (PC), or a tablet PC.
20. The system of claim 17 , wherein the card-present indicator is associated with the transaction.