Over the air update of payment transaction data stored in secure memory

• US 10,037,523 B2
• Filed: 10/26/2012
• Issued: 07/31/2018
• Est. Priority Date: 09/22/2008
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Aabye, Christian, Ngo, Hao, Wilson, David William, Zeiden, Gustavo Mariath, Pitchford, Chris, Pirzadeh, Kiushan
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US13/662,371
• Publication Number:
  US 20130060647A1
• Time in Patent Office: 2,104 Days
• Field of Search: 705 16, 705 44, 705 39, 705 35, 705 40, 705 17, 705 74, 455411, 4555561
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications. If encryption keys are used for the encryption and decryption processes, they may be distributed by a key distribution server or other suitable entity to a mobile gateway which participates in the data encryption and decryption operations.

Claims

1. A data processing device, comprising:

a processor;

a memory; and

a set of instructions stored in the memory, which when executed by the processor implement a method to;

receive first data for a first payment transaction on a prepaid account associated with a mobile device from a first point of sale terminal, wherein at least some of the first data is provided to the first point of sale terminal by the mobile device which communicates with the first point of sale terminal using a contactless device, wherein the mobile device stores transaction data in a memory of the mobile device, wherein the mobile device further stores an accumulator in the memory, wherein the stored transaction data includes first information received from the first point of sale terminal using the contactless device, wherein the first information includes a first initial transaction amount of the first payment transaction, and wherein the mobile device adjusts the accumulator from an original accumulator value to a first accumulator value based on the first initial transaction amount;

receive second data for a second payment transaction on the prepaid account from a second point of sale terminal, wherein at least some of the second data is provided to the second point of sale terminal by the mobile device which communicates with the second point of sale terminal using the contactless device, wherein the second data includes an actual transaction amount for the second payment transaction, wherein the mobile device stores second information received from the second point of sale terminal using the contactless device, wherein the second information received by the mobile device from the second point of sale terminal includes a second initial transaction amount of the second payment transaction, wherein the second initial transaction amount received by the mobile device from the second point of sale terminal is different from the actual transaction amount received from the second point of sale terminal, wherein the mobile device adjusts the accumulator from the first accumulator value to a second accumulator value based on the second initial transaction amount;

process the second received data to generate a record of the second payment transaction, wherein the record of the second payment transaction includes the actual transaction amount for the second payment transaction;

determine a valid mobile gateway for communicating with the mobile device based on transaction information associated with the second payment transaction, wherein the valid mobile gateway is one of a plurality of mobile gateways configured to interface with a wireless communication system; and

synchronize the accumulator stored in the mobile device by providing the record of the second payment transaction including the actual transaction amount to the valid mobile gateway, thereby causing the record of the second payment transaction to be provided to the mobile device over the wireless communication system, wherein the mobile device adjusts the accumulator from the second accumulator value to a third accumulator value based on the difference between the actual transaction amount of the second payment transaction and the second initial transaction amount of the second payment transaction.

2. The data processing device of claim 1, wherein the mobile device is a mobile phone.

3. The data processing device of claim 1, wherein the accumulator stored in the mobile device indicates funds of the prepaid account associated with the mobile device.

4. The data processing device of claim 3, wherein the data processing device is a computer.

5. The data processing device of claim 1, wherein the providing of the record of the second payment transaction occurs after the second payment transaction is complete.

6. The data processing device of claim 5, wherein the synchronizing of the accumulator corrects a discrepancy in the second payment transaction.

7. The data processing device of claim 1, wherein the method implemented by the processor further comprises providing warranty information to the mobile device.

8. The data processing device of claim 1, wherein the method implemented by the processor further comprises providing additional transaction records to the mobile device.

9. The data processing device of claim 1, wherein the record of the second payment transaction is stored in a secure memory storage region at the mobile device.

10. The data processing device of claim 9, wherein the secure memory storage region is within the near field communications mechanism.

11. The data processing device of claim 1, wherein the record of the second payment transaction is provided to the mobile device as encrypted data, wherein the encrypted data is decrypted by the mobile device.

12. The data processing device of claim 1, wherein each mobile gateway in the plurality of mobile gateways is associated with a particular geographical area.

13. The data processing device of claim 1, wherein each mobile gateway in the plurality of mobile gateways is associated with a particular type of mobile device.

14. The data processing device of claim 1, wherein each mobile gateway in the plurality of mobile gateways is associated with one or more characteristics of the transaction.

15. The data processing device of claim 14, wherein the characteristics of the transaction include a type of account used in the transaction and a range of transaction amounts for the transaction.

16. The data processing device of claim 1, wherein the valid mobile gateway is determined based on one or more characteristics of a data processing system associated with the data processing device, wherein the characteristics of the data processing system include a processing load for one or more of the plurality of mobile gateways and security capabilities for one or more of the plurality of mobile gateways.

17. The data processing device of claim 1, wherein the plurality of mobile gateways are configured to perform data formatting between two different networks.

18. The data processing device of claim 1, wherein the instructions, when executed by the processor, cause the processor to determine that the second initial transaction amount received by the mobile device from the second point of sale terminal is different from the actual transaction amount received from the second point of sale terminal, wherein the synchronizing of the accumulator stored in the mobile device is performed in response to the determining that the second initial transaction amount is different from the actual transaction amount.

19. A method for processing data, comprising:

receiving, at a data processing device, first data for a first payment transaction on a prepaid account associated with a mobile device from a first point of sale terminal, wherein at least some of the first data is provided to the first point of sale terminal by the mobile device which communicates with the first point of sale terminal using a contactless device, wherein the mobile device stores transaction data in a memory of the mobile device, wherein the mobile device further stores an accumulator in the memory, wherein the stored transaction data includes first information received from the first point of sale terminal using the contactless device wherein the first information includes a first initial transaction amount of the first payment transaction, and wherein the mobile device adjusts the accumulator from an original accumulator value to a first accumulator value based on the first initial transaction amount;

receiving, at the data processing device, second data for a second payment transaction on the prepaid account from a second point of sale terminal, wherein at least some of the second data is provided to the second point of sale terminal by the mobile device which communicates with the second point of sale terminal using the contactless device, wherein the second data includes an actual transaction amount for the second payment transaction, wherein the mobile device stores second information received from the second point of sale terminal using the contactless device, wherein the second information received from the second point of sale terminal includes a second initial transaction amount of the second payment transaction, wherein the second initial transaction amount received by the mobile device from the second point of sale terminal is different from the actual transaction amount received from the second point of sale terminal, wherein the mobile device adjusts the accumulator from the first accumulator value to a second accumulator value based on the second initial transaction amount;

processing, by the data processing device, the second received data to generate a record of the second payment transaction, wherein the record of the second payment transaction includes the actual transaction amount for the second payment transaction;

determining, by the data processing device, a valid mobile gateway for communicating with the mobile device based on transaction information associated with the second payment transaction, wherein the valid mobile gateway is one of a plurality of mobile gateways configured to interface with a wireless communication system; and

synchronizing, by the data processing device, the accumulator stored in the mobile device by providing, from the data processing device, the record of the second payment transaction including the actual transaction amount to the valid mobile gateway, thereby causing the record of the second payment transaction to be provided to the mobile device over the wireless communication system, wherein the mobile device adjusts the accumulator from the second accumulator value to a third accumulator value based on the difference between the actual transaction amount of the second payment transaction and the second initial transaction amount of the second payment transaction.

20. The method of claim 19, wherein the accumulator stored in the mobile device indicates funds of the prepaid account associated with the mobile device and wherein the synchronizing of the accumulator corrects a discrepancy in the second payment transaction.

21. The method of claim 19, wherein the record of the second payment transaction is stored in a secure memory storage region within a near field communications mechanism of the mobile device, and wherein the record of the second payment transaction is provided to the mobile device as encrypted data, wherein the encrypted data is decrypted by the mobile device.

22. The method of claim 19, further wherein the valid mobile gateway is determined based on one or more characteristics of a data processing system associated with the data processing device, wherein the characteristics of the data processing system include a processing load for one or more of the plurality of mobile gateways and security capabilities for one or more of the plurality of mobile gateways.

23. The method of claim 19, further comprising determining that the second initial transaction amount received by the mobile device from the second point of sale terminal is different from the actual transaction amount received from the second point of sale terminal, wherein the synchronizing of the accumulator stored in the mobile device is performed in response to the determining that the second initial transaction amount is different from the actual transaction amount.