Electronic authentication systems

• US 10,068,230 B2
• Filed: 09/14/2016
• Issued: 09/04/2018
• Est. Priority Date: 06/06/2013
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Mestre, Patrick, Smets, Patrik
• Primary Examiner(s): Lipman, Jacob
• Application Number:
  US15/265,182
• Publication Number:
  US 20170004497A1
• Time in Patent Office: 720 Days
• Field of Search: 713171
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: H04L 2209/08 Randomization, e.g. dummy operations or using noise
• CPC Class Codes: H04L 2209/16 Obfuscation or hiding, e.g. involving white box
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 63/1408 by monitoring network traffic monitoring network traffic per se H04L43/00
• CPC Class Codes: H04L 9/0841 involving Diffie-Hellman or related key agreement protocols
• CPC Class Codes: H04L 9/0869 involving random numbers or seeds
• CPC Class Codes: H04L 9/3066 involving algebraic varieties, e.g. elliptic or hyper-elliptic curves

Abstract

Methods and devices are provided for use in facilitating transactions between transaction devices and points of interactions. In connection therewith, one transaction device generally includes an input and an output for communicating with a point of interaction with regard to a transaction by a consumer at the point of interaction involving the transaction device. The transaction device also includes a processor in communication with the input and the output. The processor is configured to interact with the point of interaction in connection with the transaction, store transaction data relating to the transaction in a data store during the course of the transaction, and, in response to an interruption in the transaction with the point of interaction, retrieve transaction data stored in the data store in order to resume the transaction with the point of interaction when communication with the point of interaction is restored.

Claims

1. A payment card, comprising:

an input and an output for communicating with a point of interaction, in connection with a transaction by a consumer at the point of interaction involving the consumer presenting the payment card to the point of interaction; and

a processor in communication with the input and the output, the processor configured to;

communicate with the point of interaction in connection with the transaction;

store data specific to the transaction in a data store on the payment card during the course of the transaction, the data specific to the transaction including at least one of a transaction amount for the transaction, an identification of a transaction item relating to the transaction, a date/time of the transaction, and a transaction identifier for the transaction; and

in response to an interruption in the communication with the point of interaction during the course of the transaction, retrieve the data specific to the transaction stored in the data store in order to resume the transaction with the point of interaction when communication with the point of interaction is restored.

2. The payment card of claim 1, wherein the processor includes a payment application;

and

wherein the processor is configured, via the payment application, to;

manage the transaction on the payment card; and

store the data specific to the transaction in response to predetermined actions or decisions taken by the payment application.

3. The payment card of claim 1, wherein the payment card comprises an antenna embedded within a structure of the payment card;

and

wherein the processor is further configured to;

derive power by inductive coupling via the antenna from an electromagnetic signal sent from the point of interaction, prior to storing the data specific to the transaction in the data store; and

suspend the transaction in response to a loss of the power to the payment card, whereby the communication with the point of interaction is interrupted.

4. The payment card of claim 1, further comprising the data store in communication with the processor.

5. The payment card of claim 4, wherein the processor is configured to clear the transaction data stored in the data store following completion of the transaction.

6. The payment card of claim 4, wherein the data store comprises a non-volatile memory module.

7. The payment card of claim 6, wherein the non-volatile memory module comprises an EEPROM module.

8. The payment card of claim 6, wherein the non-volatile memory module comprises a secure element;

and

wherein the processor is configured to store the transaction data in the secure element.

9. A computer-implemented method for use in facilitating a transaction between a transaction device and a point of interaction, the transaction device comprising a data store, and a processor in communication with the data store and arranged to process transaction data with the point of interaction, the method comprising:

storing, by the processor, transaction data relating to a transaction in the data store during the course of the transaction;

in response to an interruption in the transaction with the point of interaction, retrieving, by the processor, transaction data stored in the data store in order to resume the transaction with the point of interaction; and

clearing, by the processor, the transaction data stored in the data store following completion of the transaction.

10. The method of claim 9, wherein the transaction data includes one or more of a transaction amount for the transaction, transaction items included in the transaction, date/time data for the transaction, and a transaction identifier.

11. The method of claim 9, wherein the data store comprises a secure element;

and

wherein storing the transaction data in the data store includes storing the transaction data in the secure element.

12. The method of claim 9, further comprising receiving power from the point of interaction, prior to storing the transaction data in the data store.

13. The method of claim 12, wherein receiving power from the point of interaction includes inserting the transaction device at least partly within the point of interaction.

14. The method of claim 12, further comprising suspending the transaction in response to a loss of the power to the transaction device or in response to a data communication failure between the transaction device and the point of interaction.

15. The method of claim 14, further comprising:

determining, by the processor, whether the data store includes transaction data for a suspended transaction; and

when the data store includes transaction data for a suspended transaction, retrieving, by the processor, the transaction data stored in the data store in order to resume the transaction with the point of interaction upon restoration of the power to the transaction device or upon restoration of the data communication between the transaction device and the point of interaction.

16. A non-transitory computer readable storage media including computer-executable instructions for use in facilitating a transaction by a consumer using a payment card at a point of interaction, which when executed by a processor, cause the processor to:

store data specific to the transaction in a data store included in the payment card during the course of the transaction, the data specific to the transaction including at least one of a transaction amount for the transaction, an identification of a transaction item relating to the transaction, a date/time of the transaction, and a transaction identifier for the transaction;

in response to an interruption in the transaction with the point of interaction, suspend the transaction; and

when the interruption in the transaction is complete;

determine whether the data store includes transaction data for the suspended transaction; and

when the data store includes transaction data for the suspended transaction, retrieve the data specific to the transaction stored in the data store in order to resume the transaction with the point of interaction.

17. The non-transitory computer readable storage media of claim 16, wherein the executable instructions, when executed by the processor, further cause the processor to clear the data specific to the transaction stored in the data store following completion of the transaction.