System and Method for Payment Using Radio Frequency Identification in Contact and Contactless Transactions
First Claim
1. A transponder-reader payment system comprising:
- a. a Radio Frequency Identification (RFID) reader operable to provide a radio frequency (RF) interrogation signal for powering a transponder system, receiving a transponder system RF signal, and communicating a transponder system account data related to said transponder system RF signal to a merchant system, said RFID reader including, i. a first interrogator for providing a first RF interrogation signal;
ii. a RFID authentication circuit in communication with said interrogator;
iii. a RFID database, in communication with said RFID authentication circuit;
iv. a universal serial bus (USB) interface; and
v. a RFID protocol/sequence controller in communication with at least one of said first interrogator, said RFID authentication circuit, said RFID database, and said USB interface, said RFID protocol/sequence controller configured to facilitate control of the order of operation of said interrogator, said RFID authentication circuit, said RFID database, and said USB interface.
7 Assignments
0 Petitions
Accused Products
Abstract
A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
-
Citations
62 Claims
-
1. A transponder-reader payment system comprising:
a. a Radio Frequency Identification (RFID) reader operable to provide a radio frequency (RF) interrogation signal for powering a transponder system, receiving a transponder system RF signal, and communicating a transponder system account data related to said transponder system RF signal to a merchant system, said RFID reader including, i. a first interrogator for providing a first RF interrogation signal;
ii. a RFID authentication circuit in communication with said interrogator;
iii. a RFID database, in communication with said RFID authentication circuit;
iv. a universal serial bus (USB) interface; and
v. a RFID protocol/sequence controller in communication with at least one of said first interrogator, said RFID authentication circuit, said RFID database, and said USB interface, said RFID protocol/sequence controller configured to facilitate control of the order of operation of said interrogator, said RFID authentication circuit, said RFID database, and said USB interface. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46)
-
47. A transponder-reader payment system comprising:
-
a transponder system operable to receive a first RF interrogation signal, and authenticate said first RF interrogation signal, said transponder system comprising;
a. a first transponder responsive to said first RF interrogation signal; and
b. a second transponder responsive to a second RF interrogation signal, said first RF interrogation signal different from said second RF interrogation signal. - View Dependent Claims (48, 49)
-
-
50. A transponder-reader payment system comprising
a transponder system operable to receive a first RF interrogation signal, and authenticate said first RF interrogation signal, said transponder system comprising a transponder system USB interface.
-
51. A transponder-reader payment system comprising a RFID reader operable to provide at least a first interrogator for providing a first interrogation signal and a second interrogator for providing a second interrogation signal.
-
52. A method of transponder-reader payment comprising the steps of:
-
a. providing a transponder system, the transponder system responsive to a plurality of interrogation signals, the transponder system storing at least one of an account data, an account name, and account expiration date; and
b. providing a RFID reader, said reader configured to provide at least one of the interrogation signals. - View Dependent Claims (53, 54, 55, 56, 57, 58, 59, 60, 61, 62)
-
Specification