Methods, systems and computer program products for wireless payment transactions

• US 20080027815A1
• Filed: 12/19/2006
• Published: 01/31/2008
• Est. Priority Date: 07/28/2006
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: ViVOtech Incorporated
• Inventors: Johnson, William S., Liu, Ming-Li
• Granted Patent: US 8,469,277 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• 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 20/32 using wireless devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices

Abstract

Methods, systems, and computer program products for acquiring payment device data for wireless payment transactions are disclosed. According to one method, a request from a wireless payment reader for standardized payment device data for effecting a wireless payment is received by a wireless smart payment device. Payment device data elements are assembled by the wireless smart payment device into the standardized payment device data. The standardized payment device data are sent by the wireless smart payment device to the wireless payment reader.

Claims

1. A method of acquiring payment device data for a wireless payment transaction, the method comprising:

(a) receiving, by a wireless smart payment device, a request from a wireless payment reader for standardized payment device data for effecting a wireless payment;

(b) assembling, by the wireless smart payment device, payment device data elements into the standardized payment device data; and

(c) sending, by the wireless smart payment device, to the wireless payment reader, the standardized payment device data.

2. The method of claim 1, wherein the wireless smart payment device comprises a device selected from a group consisting of a mobile telephone, a smart phone, a key fob, a physical card, a personal digital assistant, and a device provisioned with a soft card.

3. The method of claim 1, wherein the wireless smart payment device comprises a debit card or a credit card.

4. The method of claim 1, wherein the request from the wireless payment reader is a single request resulting in receipt by the wireless payment reader of the standardized payment device data.

5. The method of claim 1, wherein the wireless payment reader comprises a generic application for receiving the standardized payment device data from a plurality of different wireless smart payment device types.

6. The method of claim 1, wherein the standardized payment device data comprises at least one of Track 1 data and Track 2 data.

7. The method of claim 1, wherein assembling the standardized payment device data occurs substantially on the wireless smart payment device.

8. The method of claim 1, wherein the payment device data elements comprise one or more data elements selected from the group consisting of a personal account number (PAN), a user name, an expiry date, a service code, a pin indicator, a PIN verification value (PVV), a card validation value (CVV), and combinations thereof.

9. The method of claim 8, wherein one or more of the payment device data elements are generated dynamically by the smart payment device.

10. The method of claim 1, comprising, prior to receiving the request for the standardized payment device data:

(a) sending, by the wireless payment reader, a card type identifier from the wireless smart payment device;

(b) receiving, by the wireless payment reader, the card type identifier from the wireless smart payment device;

(c) sending, by the wireless payment reader, a challenge number to the wireless smart payment device; and

(d) generating, by the wireless smart payment device, a cryptogram in response to the challenge number.

11. A wireless smart payment device, comprising:

(a) a payment device data storage application for storing payment device data elements; and

(b) a payment device data assembly application is adapted to assemble, wherein the payment device data assembly application assembles the payment device data elements into standardized payment device data for providing to a wireless payment reader.

12. The wireless smart payment device of claim 11, comprising a send application for sending the standardized payment device data to the wireless payment reader.

13. The wireless smart payment device of claim 11, wherein the wireless smart payment device comprises a device selected from a group consisting of a mobile telephone, a smart phone, a key fob, a physical card, a personal digital assistant, and a device provisioned with a soft card.

14. The wireless smart payment device of claim 11, wherein the wireless smart payment device comprises a debit card or a credit card.

15. The wireless smart payment device of claim 11, wherein the payment device data elements comprise one or more data elements selected from the group consisting of a personal account number (PAN), a user name, an expiry date, a service code, a pin indicator, a PIN verification value (PVV), a card validation value (CVV), and combinations thereof.

16. The wireless smart payment device of claim 15, wherein one or more of the payment device data elements are generated dynamically by the smart payment device.

17. The wireless smart payment device of claim 11, wherein the standardized payment device data comprises at least one of Track 1 data and Track 2 data.

18. The wireless smart payment device of claim 11, wherein the standardized payment device data is provided to the wireless payment reader in response to a single query by the wireless payment reader.

19. A wireless payment reader, comprising:

(a) a payment device data request application for requesting, from a wireless smart payment device, standardized payment device data including a plurality of assembled data elements for effecting a wireless payment; and

(b) a payment device data receive application for receiving, from the wireless smart payment device, the standardized payment device data including the plurality of data elements assembled by the wireless smart payment device.

20. The wireless payment reader of claim 19, comprising a transmit application for transmitting the standardized payment device data to a point of sale (POS) terminal.

21. The wireless payment reader of claim 19, wherein the standardized payment device data comprises at least one of Track 1 data and Track 2 data.

22. The wireless payment reader of claim 19, wherein the payment device data receive application comprises a generic application for receiving the standardized payment device data from a plurality of different wireless smart payment device types.

23. The wireless payment reader of claim 19, wherein the payment device data receive application is adapted to receive the standardized payment device data in response to a single request issued by the payment device data request application.

24. The wireless payment reader of claim 19, wherein the wireless payment reader is adapted to replace a received Unknown Number (UN) from the wireless payment device with a known UN number that was previously transmitted to the wireless payment device by the wireless payment reader.

25. A system for acquiring payment device data for a wireless payment transaction, the system comprising:

(a) a wireless payment reader for requesting standardized payment device data from a wireless smart payment device and for receiving the standardized payment device data from the wireless smart payment device; and

(b) a wireless smart payment device for storing payment device data elements, for receiving a request from the wireless payment reader for the standardized payment device data, for assembling payment device data elements into the standardized payment device data, and for sending to the wireless payment reader the standardized payment device data.

26. The system of claim 25, wherein the wireless payment reader comprises a generic application for receiving the standardized payment device data from a plurality of different wireless smart payment device types.

27. The system of claim 25, wherein the standardized payment device data comprises at least one of Track 1 data and Track 2 data.

28. The system of claim 25, wherein the wireless smart payment device comprises a device selected from a group consisting of a mobile telephone, a smart phone, a key fob, a physical card, a personal digital assistant, and a device provisioned with a soft card.

29. The system of claim 25, wherein the wireless smart payment device comprises a debit card or a credit card.

30. A computer program product comprising computer executable instructions embodied in a computer readable medium for performing steps comprising:

(a) receiving, by a wireless smart payment device, a request from a wireless payment reader for standardized payment device data for effecting a wireless payment;

(b) assembling, by the wireless smart payment device, payment device data elements into the standardized payment device data; and

(c) sending, by the wireless smart payment device, to the wireless payment reader, the standardized payment device data.

31. The computer program product of claim 30, wherein the wireless smart payment device comprises a device selected from a group consisting of a mobile telephone, a smart phone, a key fob, a physical card, a personal digital assistant, and a device provisioned with a soft card.

32. The computer program product of claim 30, wherein the wireless smart payment device comprises a debit card or a credit card.

33. The computer program product of claim 30, wherein the request from the wireless payment reader is a single request resulting in receipt by the wireless payment reader of the standardized payment device data.

34. The computer program product of claim 30, wherein the wireless payment reader comprises a generic application for receiving the standardized payment device data from a plurality of different wireless smart payment device types.

35. The computer program product of claim 30, wherein the standardized payment device data comprises at least one of Track 1 data and Track 2 data.

36. The computer program product of claim 30, wherein assembling the standardized payment device data occurs substantially on the wireless smart payment device.

37. The computer program product of claim 30, wherein the payment device data elements comprise one or more data elements selected from the group consisting of a personal account number (PAN), a user name, an expiry date, a service code, a Transaction Counter (TC), a derived cryptogram (DC), and combinations thereof.

38. The computer program product of claim 37, wherein one or more of the payment device data elements are generated dynamically by the smart payment device.

39. The computer program product of claim 30, comprising, prior to receiving the request for the standardized payment device data:

(a) sending, by the wireless payment reader, a card type identifier from the wireless smart payment device;

(b) receiving, by the wireless payment reader, the card type identifier from the wireless smart payment device;

(c) sending, by the wireless payment reader, a challenge number to the wireless smart payment device; and

(d) generating, by the wireless smart payment device, a cryptogram in response to the challenge number.