Companion applets for web-based transactions
View Patent ↗Systems and methods for completing a transaction using an applet associated with a companion applet on portable electronic device. A least a portion of information from a user profile is obtained by the companion applet from a secure element on the portable electronic device using an application programming interface (API). The portion of information is then passed to the mobile applet and used to populate the fields needed for the vendor or payment processor to complete the transaction, and the transaction is treated as a card-present transaction.
1. A method of completing a card-not-present transaction between a vendor and a portable electronic device connected to a telecommunications network, comprising:
sending, by a portable electronic device connected to a telecommunications network, a selected payment option to a web page applet to initiate a card-not-present transaction, wherein the web page applet is associated with a vendor's web page, and wherein the portable electronic device comprises a graphical user interface and a secure element;
determining, by the web page applet, that a mobile applet is present on the portable electronic device;
accessing, by the mobile applet, an application programming interface (API);
determining, by the API, that there is a relationship with the selected payment option based on an authorization table;
in response to the determination that there is a relationship with the selected payment option, retrieving, by the API, at least a portion of a profile on the secure element;
passing, by the API, the at least the portion of the profile to the mobile applet;
parsing, by the mobile applet, the at least the portion of the profile;
reducing, by the mobile applet, data from the at least the portion of the profile to a plurality of fields, wherein each field of the plurality of fields is required to complete the card-not-present transaction;
sending, by the mobile applet, the reduced data in the plurality of fields to the web page applet associated with the vendor's web page;
authenticating, by a payment processor, that the reduced data in the plurality of fields sent by the mobile applet to the web page applet originated in the secure element of the portable electronic device; and
in response to the authenticating, completing, by the payment processor, the card-not-present transaction using the reduced data in the plurality of fields that originated in the secure element of the portable electronic device, wherein the vendor treats the card-not-present transaction as a card-present transaction based on the authenticating.
2. The method of claim 1 , further comprising:
sending, by the mobile applet, to the portable electronic device, in response to the determining that the mobile applet is present on the portable electronic device, a request for entry of a pre-determined PIN number;
receiving, by the mobile applet, an entered PIN number; and
determining, by the mobile applet, whether the entered PIN number corresponds to the pre-determined PIN number.
3. The method of claim 2 , further comprising accessing the mobile applet in response to the determination that the entered PIN number corresponds to the pre-determined PIN number.
4. The method of claim 2 , wherein the predetermined PIN number is set during at least one of a purchase of the portable electronic device, issuance of a payment option, or during a previous purchase on the vendor's website.
5. The method of claim 1 , further comprising populating, by the web page applet, the plurality of fields on the vendor's web page in response to receiving the parsed, reduced plurality of fields from the mobile applet, and wherein populating the plurality of fields completes the card-not-present transaction.
6. The method of claim 1 , wherein the profile comprises at least one of an address, a name, a birth date, an expiration date of a payment option, a remaining balance of the payment option, a credit card verification number, and a history of previous transactions using the payment option.
7. The method of claim 1 , wherein the mobile applet is a companion applet to a plurality of applets associated with a plurality of vendors' web pages.
8. A system for completing a web-based card-not-present transaction between a vendor and a portable electronic device connected to a telecommunications network comprising:
a portable electronic device connected to a telecommunications network comprising:
a mobile applet that is a companion applet to a web page applet associated with a vendor's web page, wherein the web page applet receives a selected payment option to initiate a card-not-present transaction, and wherein the vendor's web page comprises a plurality of fields used to complete the card-not-present transaction;
a secure element comprising a profile; and
an application programming interface that:
determines that there is a relationship with the selected payment option based on an authorization table, and
retrieves and passes at least a portion of the profile from the secure element to the mobile applet in response to the determination that there is a relationship with the selected payment option, wherein the mobile applet parses and reduces data from the at least the portion of the profile to the plurality of fields and sends the reduced data in the plurality of fields to the web page applet; and
a payment processor that:
authenticates that the reduced data in the plurality of fields sent by the mobile applet to the web page applet originated in the secure element of the portable electronic device, and
in response to the authentication, completes the card-not-present transaction using the reduced data in the plurality of fields that originated in the secure element of the portable electronic device, wherein the vendor treats the card-not-present transaction as a card-present transaction based on the authentication.
9. The system of claim 8 , wherein the profile comprises at least one of an address, a name, a birth date, a CVV code, an expiration date of a payment option, a remaining balance of the payment option, a credit card verification number, and a history of previous transactions using the payment option.
10. The system of claim 8 , wherein the web page applet determines that the mobile applet is present on the portable electronic device, and wherein, in response to the determination that the mobile applet is present on the portable electronic device, the mobile applet sends a request for entry of a pre-determined PIN number to the portable electronic device, receives an entered PIN number, and determines whether the entered PIN number corresponds to the pre-determined PIN number.