CARDHOLDER VERIFICATION RULE APPLIED IN PAYMENT-ENABLED MOBILE TELEPHONE

• US 20100248779A1
• Filed: 10/13/2009
• Published: 09/30/2010
• Est. Priority Date: 03/26/2009
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Anderson, James J., Munro, Murdo, Phillips, Simon
• Application Number:
  US12/578,289
• Publication Number:
  US 20100248779A1
• Time in Patent Office: Days
• US Class Current: 455/556.100
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0607 Regulated
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A method includes equipping a mobile telephone with a payment capability, and storing a cardholder verification rule in the mobile telephone. The method further includes the mobile telephone applying the stored rule to determine whether to require a user of the mobile telephone to perform a cardholder verification process.

Claims

1. A method comprising:

equipping a mobile telephone with a payment capability;

storing a cardholder verification rule in the mobile telephone; and

the mobile telephone applying the stored rule to determine whether to require a user of the mobile telephone to perform a cardholder verification process.

2. The method of claim 1, wherein the cardholder verification process requires (a) entry of a PIN, or (b) entry of biometric information.

3. The method of claim 1, wherein the cardholder verification rule calls for the cardholder verification process to be performed in dependence on an amount of a current purchase transaction.

4. The method of claim 1, wherein the cardholder verification rule calls for the cardholder verification process to be performed in dependence on a current day of the week.

5. The method of claim 1, wherein the cardholder verification rule calls for the cardholder verification process to be performed in dependence on a current time of day.

6. The method of claim 1, wherein the cardholder verification rule calls for the cardholder verification process to be performed in dependence on a cumulative number of transactions performed with the mobile telephone during a period of time.

7. The method of claim 1, wherein the cardholder verification rule calls for the cardholder verification process to be performed in dependence on a cumulative monetary amount of transactions performed with the mobile telephone during a period of time.

8. The method of claim 1, wherein the cardholder verification rule calls for the cardholder verification process to be performed in dependence on a category or identity of a merchant for a current transaction.

9. The method of claim 1, wherein the cardholder verification rule calls for the cardholder verification process to be performed in dependence on a current location of the mobile telephone.

10. The method of claim 1, wherein the cardholder verification rule calls for the cardholder verification process to be performed in dependence on whether the cardholder verification process was previously performed within a predetermined period of time.

11. The method of claim 1, wherein the cardholder verification rule calls for the cardholder verification process to be performed in dependence on a type of transaction that is currently being performed by the mobile telephone.

12. The method of claim 1, wherein the cardholder verification rule is stored in the mobile telephone via an OTA transaction.

13. The method of claim 1, further comprising:

updating the stored cardholder verification rule in response to detecting suspected fraudulent activity involving the user'"'"'s account.

14. The method of claim 1, further comprising:

the mobile telephone receiving input from the user to perform the cardholder verification process.

15. The method of claim 14, wherein the input is a PIN.

16. A computer-implemented method comprising:

a server computer determining a category to which a cardholder belongs, the cardholder having a payment card account;

the server computer selecting a cardholder verification rule based on the determined category of the cardholder; and

the server computer transmitting the cardholder verification rule to a mobile telephone owned by the cardholder.

17. The method of claim 16, wherein the transmitting step includes the server computer transmitting the cardholder verification rule to the mobile telephone via an over-the-air communication channel.

18. The method of claim 16, wherein the transmitting step includes the server computer loading the cardholder verification rule into a personalization card to be mailed to the cardholder.

19. A proximity payment device, the proximity payment device shaped and sized to be held in the user'"'"'s palm, the proximity payment device comprising:

a processor; and

a memory in communication with the processor, the memory storing a cardholder verification rule;

the processor programmed to apply the cardholder verification rule to determine whether to require the user to perform a cardholder verification process.

20. The proximity payment device of claim 19, wherein the proximity payment device is a mobile telephone.