SYSTEM AND DEVICE FOR FACILITATING REMOTE INVOCATION OF PERSONAL TOKEN CAPABILITIES

• US 20110237224A1
• Filed: 12/30/2010
• Published: 09/29/2011
• Est. Priority Date: 10/23/2009
• Status: Abandoned Application

• Current Assignee: Apriva, LLC (APPSware Holdings, Inc.)
• Original Assignee: Apriva, LLC (APPSware Holdings, Inc.)
• Inventors: Coppinger, Paul D.
• Application Number:
  US12/982,313
• Publication Number:
  US 20110237224A1
• Time in Patent Office: Days
• US Class Current: 455/411
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• 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 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 67/306 User profiles

Abstract

The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier'"'"'s network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user'"'"'s mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.

Claims

1. A computer implemented method for facilitating invoking token capabilities at a remote communications device, said method comprising:

receiving, at a processor, a authentication request from an authentication server;

invoking, by said processor, a credential entry interface based on receiving said authentication request;

receiving, at said processor, a credential from said code entry interface;

creating, by said processor, a response message based on said credential; and

transmitting, by said processor, said response message to said authentication server.

2. The method of claim 1, wherein said authentication request is in the form of a Short Message Service (SMS) message.

3. The method of claim 1, wherein said authentication request is received by a transaction manager application at said remote communication device.

4. The method of claim 1, wherein said authentication request includes a digital signature from said authentication server.

5. The method of claim 1, wherein said authentication server resides at said remote communication device.

6. The method of claim 1, wherein said authentication server is disparately located from said remote communication device.

7. The method of claim 1, further comprising authenticating, by said processor, said authentication request based on a stored key.