Smart card systems and methods utilizing multiple ATR messages

• US 10,147,091 B2
• Filed: 02/06/2015
• Issued: 12/04/2018
• Est. Priority Date: 01/14/2015
• Status: Active Grant

• Current Assignee: Tactilis Pte. Limited
• Original Assignee: Tactilis Sdn. Bhd. (Tactilis Pte. Limited)
• Inventors: Gardiner, Michael, Canzi, Adriano
• Primary Examiner(s): Madamba, Clifford B
• Application Number:
  US14/616,069
• Publication Number:
  US 20160232517A1
• Time in Patent Office: 1,397 Days
• Field of Search: 705 41
• 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 20/40 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
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G06V 10/95 structured as a network, e.g. client-server architectures
• CPC Class Codes: G06V 40/1365 Matching; Classification
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231

Abstract

A system and method for facilitating communication between a smart card and a terminal, the method comprising receiving a first ATR message at a first time that is within a first predetermined clock cycles after a reset; waiting for a second ATR message indicative of a successful biometric authentication from the smart card; receiving the second ATR message at a second time that is within a second predetermined clock cycles after the first time; and exchanging transaction-related messages with the smart card.

Claims

1. A method of facilitating communication between a smart card and a terminal comprising a physical processor and an interface configured to be coupled to the smart card, the method performed by the physical processor of the terminal, the method comprising:

the physical processor waiting for a first answer-to-reset (ATR) message from the smart card after a smart card reset,

the physical processor receiving a first ATR message via the interface at a first time that is within a first predetermined clock cycles after a smart card reset;

the physical processor waiting for a second ATR message indicative of a successful biometric authentication from the smart card;

the physical processor receiving the second ATR message indicative of the successful biometric authentication via the interface at a second time that is within a second predetermined clock cycles after the first time; and

the physical processor exchanging transaction-related messages with the smart card via the interface.

2. The method of claim 1, wherein the first ATR message comprises data items indicative of at least one of protocol format, type of smart card, and baud rate.

3. The method of claim 1, further comprising disconnecting a communication link between the terminal and the smart card if the first ATR message is not received within the first predetermined clock cycles after the smart card reset.

4. The method of claim 1, further comprising disconnecting a communication link between the terminal and the smart card if the second ATR message is not received within the second predetermined clock cycles after the first time.

5. The method of claim 1, wherein the exchanging step is performed, within a third predetermined clock cycles after the second time.

6. The method of claim 1, further comprising sending a signal indicative of the reset to the smart card.

7. A method of facilitating communication between a smart card, and a terminal, the smart card comprising an interface configured to be coupled to the terminal, a biometric module including a biometric sensor configured to obtain a first biometric sample of an authorized user, and one or more processors, the method performed by the one or more processors of the smart card, the method comprising:

the one or more processors sending a first answer-to-reset (ATR) message to the terminal via the interface at a first time that is within a first predetermined clock cycles after a smart card reset;

the one or more processors performing a biometric authentication of a user requesting a transaction by comparing the stored biometric reference template to a biometric template generated based on a second biometric sample of the user requesting the transaction obtained by the biometric sensor;

the one or more processors determining that the biometric authentication was successful, when there is a match between the stored biometric reference template and the biometric template;

the one or more processors sending a second ATR message indicative of a successful biometric authentication to the terminal via the interface at a second time that is within a second predetermined clock cycles after the first time; and

the one or more processors exchanging transaction-related messages with the terminal.

8. The method of claim 7, wherein the first ATR message comprises one or more data items indicative of at least one of protocol format, type of smart card, and baud rate.

9. The method of claim 7, wherein the second ATR message comprises one or more data items indicating that the biometric authentication was successful.

10. The method of claim 7, further comprising the smart card generating a signal indicative of the smart card reset.

11. A terminal for communicating with a smart card, comprising:

an interface configured to be coupled to a smart card;

a physical processor coupled to the interface and configured to;

wait for a first answer-to-reset (ATR) message from the smart card after a smart card reset,

receive the first ATR message via the interface at a first time that is within a first predetermined clock cycles after the smart card reset,

wait for a second ATR message indicative of a successful biometric authentication from the smart card;

receive the second ATR message indicative of the successful biometric authentication via the interface at a second time that is within a second predetermined clock cycles after the first time, and

exchange transaction-related messages with the smart card via the interface.

12. The terminal of claim 11, wherein the terminal is compliant with an ISO standard.

13. The terminal of claim 11, wherein the first ATR message comprises data items indicative of at least one of protocol format, type of smart card, and baud rate.

14. The terminal of claim 11, wherein the terminal provides power to the smart card via the interface.

15. The terminal of claim 14, wherein the processor is further configured to disable the power to the smart card if the first ATR message is not received within the first predetermined clock cycles after the first time.

16. The terminal of claim 15, wherein the processor is further configured to disable the power to the smart card if the second ATR message is not received within the second predetermined clock cycles after the second time.

17. The terminal of claim 13, wherein the interface comprises at least one input and output contact pad for exchanging messages with the smart card.

18. A smart card comprising:

an interface configured to be coupled to a terminal;

a biometric module including a biometric sensor configured to obtain a first biometric sample of an authorized user, and

one or more processors coupled to the interface and the biometric module and configured to;

send a first answer-to-reset (ATR) message to the terminal via the interface at a first time that is within a first predetermined clock cycles after a smart card reset,

perform a biometric authentication of a user requesting a transaction involving the smart card by comparing the stored biometric reference template to a biometric template generated based on a second biometric sample of the user requesting the transaction obtained by the biometric sensor,

determine that the biometric authentication was successful, when there is a match between the stored biometric reference template and the biometric template,

send a second ATR message indicative of a successful biometric authentication to the terminal via the interface at a second time that is within a second predetermined clock cycles after the first time,

exchange transaction-related messages with the terminal.

19. The smart card of claim 18, wherein the smart card is compliant with an ISO standard.

20. The smart card of claim 18, wherein the first and second biometric samples are fingerprint images.