Patent ID: 9171302
Filing Date: 2015-10-27
Classification: G06Q

Abstract:
1. A computer-implemented method to process payment transactions without accessing secure elements, comprising: receiving, by a mobile communication device and from a point of sale system reader, a request for payment account information to process a payment transaction; processing, by the mobile communication device, the request for the payment account information by converting the request for the payment account information to a request understandable by a non-secure element processor, wherein allowing the mobile communication device to process payment transactions using financial account information for any of the plurality of payment providers comprises allowing the mobile communication device to process payment transactions without transferrin control of a secure element processor from one payment provider to a different payment provider; generating, by the non-secure element processor of the mobile communication device, a response to the request for the payment account information that is indistinguishable from a response generated by a secure element processor, the response comprising a payment account identifier, wherein generating the response by the non-secure element processor allows the mobile communication device to process payment transactions using financial account information for any of a plurality of payment providers; and transmitting, by the mobile communication device, the response to the request for the payment account information to the point of sale system reader.