System and method for exchanging data with smart cards

• US 10,475,027 B2
• Filed: 07/23/2014
• Issued: 11/12/2019
• Est. Priority Date: 07/23/2013
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Guise, Matthew T.
• Primary Examiner(s): Hewitt, II, Calvin L
• Assistant Examiner(s): Raza, Zehra
• Application Number:
  US14/338,423
• Publication Number:
  US 20150032635A1
• Time in Patent Office: 1,938 Days
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/356 Aspects of software for card payments
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing

Abstract

A system that includes an issuer system that receives, via a network, registration information from a mobile device, wherein the issuer system is associated with a financial institution that issues a smart card to a user and wherein the registration information includes an identifier of the mobile device, and a mobile device application associated with the issuer system, that when executed on a mobile device, communicates with the issuer system to validate the mobile device as a trusted device and enables the trusted device to communicate with the smart card and enable smart card management features mobile device application.

Claims

1. A non-transitory, computer-readable medium storing instructions that, when executed by a processor of a mobile device, cause the processor to perform a method comprising:

transmitting, to an issuer system, registration information including user identification information and a device identifier associated with the mobile device;

receiving, from the issuer system, a verification request;

receiving, from a user, verification information;

transmitting, to the issuer system, the verification information;

downloading a mobile application;

receiving, from the user via the mobile application, an online personal identification number (PIN);

transmitting, to the issuer system, the received online PIN;

receiving, from the issuer system, an indication that the processor is associated with a device that is a trusted device;

receiving, from the user via the mobile application, a new offline PIN for a smart card;

transmitting the new offline PIN from the mobile device and to the issuer system;

requesting, from the user, confirmation that the new offline PIN is accurate;

responsive to receiving, from the user, confirmation that the new offline PIN is accurate, transmitting the confirmed new offline PIN to the smart card; and

transmitting instructions to the smart card, the instructions comprising a command to replace the previously stored PIN with the new offline PIN in a memory of the smart card.

2. The computer-readable medium of claim 1, wherein the mobile device is configured to communicate with the smart card via near-field communications (NFC).

3. The computer-readable medium of claim 1, further comprising the smart card, the smart card being an integrated circuit card.

4. The computer-readable medium of claim 1, further comprising the smart card, the smart card being a Europay, MasterCard and Visa card.

5. A method comprising:

transmitting, from a mobile device and to an issuer system, registration information including user identification information and a device identifier associated with the mobile device;

receiving, at the mobile device and from the issuer system, a verification request;

receiving, at the mobile device and from a user, verification information;

transmitting, from the mobile device and to the issuer system, the verification information;

downloading, at the mobile device, a mobile application;

receiving, from the user and at the mobile device via the mobile application, an online personal identification number (PIN);

transmitting, to the issuer system and from the mobile device, the received online PIN;

receiving, from the issuer system and at the mobile device, an indication that the mobile device is a trusted device;

receiving, from the user and at the mobile device via the mobile application, a new offline PIN for a smart card;

transmitting the new offline PIN from the mobile device and to the issuer system, the new offline PIN to be associated with the smart card and replace a previously stored PIN at the issuer system;

requesting, at the mobile device and from the user, confirmation that the new offline PIN is accurate;

receiving, from the user, confirmation that the new offline PIN is accurate, and transmitting the confirmed new offline PIN to the smart card; and

transmitting instructions to the smart card, the instructions comprising a command to replace the previously stored PIN with the new offline PIN in a memory of the smart card.

6. The method of claim 5 further comprising:

providing, by the mobile device, a first graphical user interface to pay for goods and services using the smart card;

providing, by the mobile device, a second graphical user interface to change the offline PIN associated with the smart card; and

providing, by the mobile device, a third graphical user interface to submit the online PIN or offline PIN to the smart card or the issuer system.