ALL-IN-ONE PROXIMITY PAYMENT DEVICE WITH LOCAL AUTHENTICATION

• US 20110047036A1
• Filed: 06/08/2007
• Published: 02/24/2011
• Est. Priority Date: 06/08/2006
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Radu, Cristian, Foran-Owens, Elizabeth M., Wankmueller, John
• Granted Patent: US 9,401,063 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06K 5/00 Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/0658 e-cash managed locally
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• 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 20/3223 Realising banking transactions through 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 20/356 Aspects of software for card payments
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• 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
• CPC Class Codes: H04L 9/50 using hash chains, e.g. blockchains or hash trees

Abstract

A personal powered proximity payment device that can be owned by or issued to an individual user is provided. The device is a non-ISO card device that includes an internal dual-mode (contact and contactless) chip card coupled to a display and a robust PIN entry or biometric reading means. The device provides proximity payment functions, and optional proximity payment on/off and local pre-purchase account holder verification functions to the individual user.

Claims

1. A proximity payment device comprising:

a dual-mode (contact and contactless) chip card;

an RF antenna and a proximity payment application disposed on chip card, the RF antenna and the proximity payment application providing proximity payment functionality;

a proximity payment functionality on-off mechanism;

at least one of a manual PIN code and biometric identifier entry device; and

a PIN code and/or biometric identifier authentication program disposed on the chip card coupled to the at least one of the manual PIN code and biometric identifier entry device.

2. The device of claim 1, wherein the proximity payment functionality on-off mechanism is a user-operable on-off switch.

3. The device of claim 1, wherein the proximity payment functionality on-off mechanism is responsive to local or internal chip verification of entered PIN code and/or biometric identifiers for a payment transaction.

4. The device of claim 1, wherein the dual-mode card is configured to generate a unique one-time use flag in response to successful local or internal chip verification of entered PIN code and/or biometric identifiers for a proximity payment transaction.

5. The device of claim 1, further comprising at least one of wired links and wireless links to a merchant'"'"'s point-of-sale (POS) device, and wherein the device is further configured to send an unsigned verification status indicator in a standard proximity payment message protocol over the links to the POS device.

6. The device of claim 1, further comprising at least one of wired links and wireless links to a merchant'"'"'s point-of-sale (POS) device, and wherein the device is further configured to send a digitally signed verification status indicator in a standard proximity payment message protocol over the links to the POS device.

7. The device of claim 1, further comprising a display for communicating transaction information including PIN entry status and verification flags to the device user.

9. The method of claim 1, wherein interacting with a merchant POS device to communicate the verification status indicator comprises sending a digitally unsigned verification status indicator value in a standard proximity payment message protocol field.

10. The method of claim 9, further comprising,

at the merchant POS device, sending the received digitally unsigned verification status indicator value to the issuer for further transaction processing.

11. The method of claim 1, wherein interacting with a merchant POS device to communicate the verification status indicator comprises sending a digitally signed verification status indicator value in a standard proximity payment message protocol field.

12. The method of claim 10, further comprising,

at the merchant POS device, sending the received digitally unsigned verification status indicator value to the issuer for further transaction processing.

8. A method for conducting a proximity payment cardholder-merchant transaction, the method comprising:

before interacting with a merchant POS device, having the cardholder pre-sign (i.e., authenticate) the transaction, wherein the pre-signing comprises;

having the cardholder submit cardholder identification for local or internal verification by the proximity payment device, and in response, generating a verification status indicator by the payment card;

which can be shown on the device and

interacting with a merchant POS device to communicate the verification status indicator with the transaction to the Merchant POS device.