Methods and arrangements to complete online transactions

Abstract

Logic to perform a point of sale (POS) transaction as Card Present. Logic may communicate with a web site of an online vendor to process a payment to the online vendor as a certified POS device. Logic may communicate with a payment service provider associated with the online vendor to process the payment in response to communicating with the web site. Logic may interact with a card reader to obtain a packet to process the payment with a payment instrument to verify the presence of the payment instrument. Logic may encrypt communications to transmit an authorization request to the payment service provider to process the payment with encrypted communications via a secure element agent of the certified POS device, the authorization request to comprise the packet to verify that the payment instrument is present for the transaction. And logic may receive an approval of the authorization request for the payment.

1 .- 25 . (canceled) 
     
     
         26 . An apparatus for a point of sale transaction, the apparatus comprising:
 a processor;   a secure element; and   a near field communications (NFC) device,   the apparatus to securely provide communications including payment information between a secure element and a service provider via the NFC device;   the secure element operably coupled with the NFC device to communicate the payment information between the vendor and the service provider to process the payment; to associate a POS device with the service provider to process the payment by generation of a secure packet to process the payment, to verify the payment information for the transaction; and   the apparatus to receive an approval responsive to the packet for the payment.   
     
     
         27 . The apparatus of  claim 26 , wherein the secure element comprises logic to start a payment session with the service provider and to activate the NFC device to process the payment for the vendor. 
     
     
         28 . The apparatus of  claim 26 , wherein the NFC device comprises a near field communication radio and an antenna to communicate. 
     
     
         29 . The apparatus of  claim 26 , wherein the NFC device and the secure element reside on a same die. 
     
     
         30 . The apparatus of  claim 26 , wherein the NFC device and the secure element reside in a same chip package. 
     
     
         31 . The apparatus of  claim 26 , further comprising a Bluetooth communications device. 
     
     
         32 . The apparatus of  claim 26 , wherein the secure element comprises logic to communicate a message to a user to prompt the user for data to authenticate the user. 
     
     
         33 . The apparatus of  claim 26 , wherein the apparatus comprises logic to prompt the user for a personal identifier. 
     
     
         34 . The apparatus of  claim 33 , wherein the personal identifier comprises a personal identification number (PIN). 
     
     
         35 . The apparatus of  claim 26 , wherein the secure element comprises logic to dynamically bind the certified POS device to the service provider to process the payment by a user of the certified POS device for the vendor. 
     
     
         36 . An apparatus for a point of sale transaction, the apparatus comprising:
 an application processor;   a secure element; and   a communications device,   the secure element operatively coupled with the communications device to communicate the payment information to process a payment to the vendor; to associate a POS device with the service provider to process the payment by a user of the POS device for the vendor via generation of a packet to process the payment; and to transmit the packet to the service provider; and   the apparatus to receive an approval for the payment.   
     
     
         37 . The apparatus of  claim 36 , wherein the communications device comprises a cellular radio coupled with an antenna for cellular communications. 
     
     
         38 . The apparatus of  claim 36 , wherein the communications device comprises a radio coupled with an antenna array for Wi-Fi communications. 
     
     
         39 . The apparatus of  claim 36 , wherein the communications device comprises a Bluetooth communications device for Bluetooth communications. 
     
     
         40 . The apparatus of  claim 36 , wherein the communications device comprises a near field communication radio and an antenna to communicate. 
     
     
         41 . The apparatus of  claim 36 , further comprising a display with a touch screen for communication with a user. 
     
     
         42 . The apparatus of  claim 36 , further comprising audio input-output (I/O) for communication with a user. 
     
     
         43 . The apparatus of  claim 36 , further comprising a secure element agent to secure communications with the secure element. 
     
     
         44 . The apparatus of  claim 36 , wherein the secure element comprises logic to start a payment session with the service provider and to activate the communications device to process the payment for the vendor. 
     
     
         45 . The apparatus of  claim 36 , wherein the communications device and the secure element reside on a same die. 
     
     
         46 . The apparatus of  claim 36 , wherein the communications device and the secure element reside in a same chip package. 
     
     
         47 . The apparatus of  claim 36 , wherein the secure element comprises logic to communicate a message to a user to prompt the user for data to authenticate the user. 
     
     
         48 . The apparatus of  claim 36 , wherein the apparatus comprises logic to prompt the user for a personal identifier. 
     
     
         49 . The apparatus of  claim 48 , wherein the personal identifier comprises a personal identification number (PIN). 
     
     
         50 . The apparatus of  claim 36 , wherein the secure element comprises logic to dynamically bind a certified POS device to the service provider to process the payment by a user of the certified POS device for the vendor. 
     
     
         51 . A system for a point of sale transaction, the system comprising:
 a flash memory;   an application processor coupled with the flash memory to execute one or more applications;   a secure element; and   a communications device,   the secure element operatively coupled with the communications device to communicate the payment information to process a payment to the vendor; to associate a POS device with the service provider to process the payment by a user of the POS device for the vendor via generation of a packet to process the payment; and to transmit the packet to the service provider; and   the system to receive an approval of the authorization request for the payment.   
     
     
         52 . The system of  claim 51 , wherein the communications device comprises a cellular radio coupled with an antenna for cellular communications. 
     
     
         53 . The system of  claim 51 , wherein the communications device comprises a radio coupled with an antenna array for Wi-Fi communications. 
     
     
         54 . The system of  claim 51 , wherein the communications device comprises a Bluetooth communications device for Bluetooth communications. 
     
     
         55 . The system of  claim 51 , wherein the communications device comprises a near field communication radio and an antenna to communicate. 
     
     
         56 . The system of  claim 51 , further comprising a display with a touch screen for communication with a user. 
     
     
         57 . The system of  claim 51 , further comprising audio input-output (I/O) for communication with a user. 
     
     
         58 . The system of  claim 51 , further comprising a secure element agent to secure communications with the secure element. 
     
     
         59 . The system of  claim 51 , wherein the secure element comprises logic to start a payment session with the service provider and to activate the communications device to process the payment for the vendor. 
     
     
         60 . The system of  claim 51 , wherein the communications device and the secure element reside on a same die. 
     
     
         61 . The system of  claim 51 , wherein the communications device and the secure element reside in a same chip package. 
     
     
         62 . The system of  claim 51 , wherein the secure element comprises logic to communicate a message to a user to prompt the user for data to authenticate the user. 
     
     
         63 . The system of  claim 51 , wherein the system comprises logic to prompt the user for a personal identifier. 
     
     
         64 . The system of  claim 63 , wherein the personal identifier comprises a personal identification number (PIN). 
     
     
         65 . The system of  claim 51 , wherein the secure element comprises logic to dynamically bind the POS device to the service provider to process the payment by a user of the POS device for the vendor. 
     
     
         66 . A non-transitory computer-readable medium, comprising instructions, which when executed by a processor, cause the processor to perform operations to:
 communicate, via a secure element, the payment information to process a payment to the vendor;   associate, via the secure element, a POS device with a service provider to process the payment by a user of the POS device for the vendor by generation of a packet; and   transmit, via a secure element, the packet to the service provider.   
     
     
         67 . The non-transitory computer-readable medium of  claim 66 , wherein the operations comprise cellular communications via a cellular radio coupled with an antenna. 
     
     
         68 . The non-transitory computer-readable medium of  claim 66 , wherein the operations comprise Wi-Fi communications via a radio coupled with an antenna array. 
     
     
         69 . The non-transitory computer-readable medium of  claim 66 , wherein the operations comprise Bluetooth communications. 
     
     
         70 . The non-transitory computer-readable medium of  claim 66 , wherein the operations comprise near-field communications (NFC). 
     
     
         71 . The non-transitory computer-readable medium of  claim 66 , further comprising a display with a touch screen for communication with a user. 
     
     
         72 . The non-transitory computer-readable medium of  claim 66 , further comprising audio input-output (I/O) for communication with a user. 
     
     
         73 . The non-transitory computer-readable medium of  claim 66 , further comprising a secure element agent to secure communications with the secure element. 
     
     
         74 . The non-transitory computer-readable medium of  claim 66 , wherein the secure element comprises logic to start a payment session with the service provider and to activate the communications device to process the payment for the vendor. 
     
     
         75 . The non-transitory computer-readable medium of  claim 66 , wherein the secure element comprises logic to communicate a message to a user to prompt the user for data to authenticate the user. 
     
     
         76 . The non-transitory computer-readable medium of  claim 66 , wherein the secure element comprises logic to prompt the user for a personal identifier. 
     
     
         77 . The non-transitory computer-readable medium of  claim 76 , wherein the personal identifier comprises a personal identification number (PIN). 
     
     
         78 . The non-transitory computer-readable medium of  claim 66 , wherein the secure element comprises logic to dynamically bind a certified POS device to the service provider to process the payment by a user of the certified POS device for the vendor.