Wireless smart card and integrated personal area network, near field communication and contactless payment system

• US 20090143104A1
• Filed: 09/19/2008
• Published: 06/04/2009
• Est. Priority Date: 09/21/2007
• Status: Abandoned Application

• Current Assignee: Wireless Dynamics Incorporated
• Original Assignee: Wireless Dynamics Incorporated
• Inventors: Tam, Ambrose, Loh, Michael
• Application Number:
  US12/234,499
• Publication Number:
  US 20090143104A1
• Time in Patent Office: Days
• US Class Current: 455/558
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A wireless smart card having a personal area network transceiver, such as a Bluetooth transceiver, to couple the wireless smart card with a mobile communication device, and a near field communication (NFC) and radio-frequency identification (RFID) transceiver to couple the wireless smart card to a wireless transaction device, and a transponder with a secure element to allow secure communications between the mobile communication device with the wireless smart card and the wireless smart card and the wireless transaction device is described. The wireless smart card allows, for example, contactless payment through a Bluetooth-enabled mobile communication device without modification to the mobile communication device.

Claims

1. A wireless smart card comprising:

a personal area network (PAN) interface;

a near field communication (NFC) and radio frequency identification (RFID) transceiver;

a secure element coupled to the NFC and RFID transceiver;

a processor coupled to the PAN transceiver, the NFC and RFID transceiver and the secure element; and

a memory coupled to the processor.

2. The wireless smart card of claim 1, wherein the secure element is coupled to the NFC and RFID transceiver through the processor.

3. The wireless smart card of claim 1, further comprising a real-time clock coupled to the processor.

4. The wireless smart card of claim 1, wherein the PAN interface is for enabling the wireless smart card to communicate with a wireless mobile communication device.

5. The wireless smart card of claim 1, wherein the PAN interface comprises a PAN transceiver.

6. The wireless smart card of claim 1, wherein the PAN interface comprises a USB connector.

7. The wireless smart card of claim 1, further comprising a display coupled to the processor.

8. The wireless smart card of claim 1, further comprising a rechargeable battery and charger circuit coupled to the processor.

9. The wireless smart card of claim 1, further comprising a biometric fingerprint reader coupled to the processor.

10. The wireless smart card of claim 1, further comprising a manually operable input device coupled to the processor.

11. The wireless smart card of claim 10, wherein the manually operable input device comprises an activation button.

12. The wireless smart card of claim 1, wherein the PAN transceiver is a Bluetooth transceiver.

13. The wireless smart card of claim 1, wherein the PAN transceiver is configured to be wirelessly connected to a mobile communication device.

14. The wireless smart card of claim 1, wherein the NFC and RFID transceiver comprises a NFC transceiver or an RFID transceiver.

15. The wireless smart card of claim 1, wherein the NFC and RFID transceiver is configured to be wirelessly connected to a contactless transaction terminal.

16. The wireless smart card of claim 1, wherein the secure element is configured to be wirelessly connected to a transaction server through the NFC and RFID transceiver.

17. The wireless smart card of claim 1, wherein the secure element is configured to be wirelessly connected to a service server through the PAN transceiver.

18. The wireless smart card of claim 1, wherein the secure element comprises applets configured to enable a payment function.

19. The wireless smart card of claim 1, wherein the secure element comprises applets configured to enable a communication function.

20. A method comprising:

receiving a request to activate a secure communication link at a secure element of a wireless smart card from a mobile device;

establishing the secure link to the mobile device through a personal area network (PAN) transceiver; and

storing applets and user credentials at the secure element through the secure link.

21. The method of claim 20 further comprising detecting a user request to initiate a transaction.

22. The method of claim 20 further comprising:

transmitting the user credentials from the secure element through a near field communication (NFC) and radio frequency identification (RFID) transceiver of the wireless smart card to a transaction process center.

23. The method of claim 22 further comprising:

receiving an indication that the transaction process is complete; and

transmitting the indication that the transaction process is complete to the PAN transceiver.

24. The method of claim 22 further comprising authenticating a user before receiving a transaction operation.

25. The method of claim 20 further comprising providing user credentials from a secure element of the wireless smart card.

26. The method of claim 20 further comprising establishing a secure connection between the mobile device and a transaction device through a near field communication (NFC) and radio frequency identification (RFID) transceiver.

27. The method of claim 26 wherein the transaction device is selected from the group consisting of a contactless payment terminal, a NFC-enabled device and a RFID-enabled device.

28. A wireless smart card comprising:

a first wireless transceiver to wirelessly communicate with a mobile communication device through a first communication protocol;

a second wireless transceiver to wirelessly communicate with a transaction device through a second communication protocol;

a secure element having a processor and a secured flash memory to store applets and user credentials, the secure element coupled to the first wireless transceiver and the second wireless transceiver; and

a logic and processing controller coupled to the first wireless transceiver, second wireless transceiver and the secure element.

29. The wireless smart card of claim 28 further comprising a real-time clock coupled to the logic and processing controller.

30. The wireless smart card of claim 28 wherein the secure element is coupled to the first wireless transceiver and the second wireless transceiver through the logic and processing controller.

31. The wireless smart card of claim 28 wherein the secure element is coupled to the first wireless transceiver through the logic and processing controller and wherein the secure element is connected directly to the second wireless transceiver.

32. The wireless smart card of claim 28 wherein the secure element is configured to enable provisioning and activation operations via the first wireless transceiver under the control of the logic and processing controller.

33. The wireless smart card of claim 28 wherein the secure element is configured to enable local transaction operations via the first wireless transceiver under the control of the logic and processing controller.

34. The wireless smart card of claim 28 wherein the secure element is configured to enable transaction operations via the second wireless transceiver under the control of the logic and processing controller.

35. The wireless smart card of claim 28 wherein the secure element is configured to enable secure communications between the mobile communication device and the transaction device via the first and second wireless transceivers under the control of the logic and processing controller.

36. The wireless smart card of claim 28 wherein the first wireless transceiver is selected from the group consisting of Bluetooth, WiFi, Ultra Wide Band, Infrared and combinations thereof.

37. The wireless smart card of claim 28 wherein the secured flash memory is further to store transaction content.

38. The wireless smart card of claim 28 wherein the second wireless transceiver comprises a near field communication and radio frequency identification (RFID) transceiver.

39. The wireless smart card of claim 28 wherein the second wireless transceiver comprises a near field communication transceiver and a radio frequency identification (RFID) transceiver.

40. The wireless smart card of claim 28 wherein the transaction device is selected from the group consisting of a contactless payment terminal, a near field communication (NFC) transponder, a radio frequency identification (RFID) transponder and a NFC device.

41. The wireless smart card of claim 28 wherein the secure element transmits data stored in the secure element to the mobile communication device.

42. The wireless smart card of claim 28 wherein the secure element transmits data stored in the secure element to the transaction device.

43. The wireless smart card of claim 28 wherein the secure element is configured to be connected to a server through the mobile communication device, and wherein the server loads applets to the secure element.

44. The wireless smart card of claim 28 wherein the secure element is configured to be connected to a server through the mobile communication device, and wherein the server is configured to pair the secure element and the first transceiver with the mobile communication device.

45. The wireless smart card of claim 28 wherein the mobile communication device is a cellular phone.

46. The wireless smart card of claim 28 wherein the wireless smart card is configured to operate in one of a plurality of modes.

47. A wireless smart card comprising:

a first wireless transceiver to wirelessly communicate with a mobile communication device through a first communication protocol;

a second wireless transceiver to wirelessly communicate with a transaction device through a second communication protocol; and

a secure element to store secure data and to enable secure operations to be conducted via wireless communications between the mobile communication device, the wireless smart card, and the transaction device.

48. The wireless smart card of claim 47 wherein the wireless smart card is configured to operate in one of a plurality of modes.

49. The wireless smart card of claim 48 wherein the wireless smart card is configured to automatically detect the one of the plurality of modes for a transaction.

50. The wireless smart card of claim 48 wherein the plurality of modes comprises a passivation and activation mode, a network transaction mode, a contactless payment mode, a read/write mode, and a peer-to-peer communication mode.

51. A wireless smart card system comprising:

a mobile communication device;

a transaction device; and

a wireless smart card comprising a first wireless transceiver to wirelessly communicate with said mobile communication device through a first communication protocol;

a second wireless transceiver to wirelessly communicate with said transaction device through a second communication protocol; and

a secure element to store secure data and enable secure operations to be conducted by said system via wireless communications between the mobile communication device, the wireless smart card, and the transaction device.