Patent ID: 11868984
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method for secured receipt and usage of payment credentials using a commercial-off-the-shelf (COTS) device, comprising:
storing, in a memory of the COTS device, a secure application program and one or more cryptographic keys;
monitoring, by the secure application program in the COTS device, for an interruption event in the COTS device;
establishing, by the secure application program in the COTS device, a secure communication channel with a back-end system where an attestation is performed upon establishing the secure communication channel, wherein any attempted use of the secure communication channel by the any other application program or component in the COTS device detected by said monitoring is interpreted as the interruption event, resulting in immediate termination of the instance of the secure application program and the secure communication channel;
receiving, by a near field communication interface of the COTS device, payment credentials from a payment card positioned within a predetermined distance of the COTS device;
transmitting, by the near field communication interface of the COTS device, the payment credentials to the secure application program, wherein the near field communication interface is prohibited from conveying the payment credentials to the any other application program or component in the COTS device;
transmitting, by the secure application program in the COTS device, establishing data toward the back-end system via the secure communication channel with the back-end system;
exchanging, by the secure application program in the COTS device, attestation data with the back-end system using the secure communication channel;
enciphering, by the secure application program in the COTS device, the payment credentials received by the near field communication interface of the COTS device using the one or more cryptographic keys stored in the memory of the COTS device; and
transmitting, by the secure application program in the COTS device, the enciphered payment credentials to the back-end system using the secure communication channel.