Patent ID: 11935064
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A system to authenticate a secure element payment card, said system comprising:
a secure element payment card having a micromodule comprising:
a primary memory component storing payment account details for a payment account, a PIN associated with the payment account, and governing rules for performing a transaction, the governing rules indicating that a secure data element is to be used to authenticate the secure element payment card;
a secure memory component storing the secure data element; and
an electronic switch configured to open and close a circuit coupled to the secure memory component; and

a point-of-sale device comprising a processor and a payment card reader/writer component, said processor programmed to:
transmit a cold reset signal to said micromodule of said secure element payment card;
receive an answer-to-reset message from said micromodule, the answer-to-reset message including the governing rules;
receive the payment account details for the payment account;
transmit a payment authorization request message to an interchange network;
receive a card authentication request message from the interchange network, the card authentication request message including an encrypted instruction;
transmit the encrypted instruction to said micromodule;
receive the secure data element from said micromodule;
transmit a card authentication request response message to the interchange network, the card authentication request response message including the secure data element; and
receive a payment authorization request response message, based on the secure data element, from the interchange network.