ENHANCED SMART CARD USAGE

• US 20110251955A1
• Filed: 12/09/2009
• Published: 10/13/2011
• Est. Priority Date: 12/19/2008
• Status: Active Grant

• Current Assignee: NXP B.V. (NXP Semiconductors NV)
• Original Assignee: NXP B.V. (NXP Semiconductors NV)
• Inventors: Lam, Alister
• Granted Patent: US 9,208,634 B2
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-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 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• 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 smart card (40) is distributed to a cardholder in a non-operative form, with a digital token. The token is sent, via a near field communication interface, to a wireless communication device (10) and forwarded to a verification entity (30) via a wireless communication interface. The communication device (10) receives content for the smart card and sends the content to the smart card (40) to render it into an operative form. A transaction on a cardholder'"'"'s account is authorised by a process which comprises sending a notification of the transaction to a wireless communication device and notifying the user of the transaction via a user interface of the device. A user can approve the transaction by bringing the smart card within range of the communication device and sending a card identifier via a near field communication interface.

Claims

1. A method of preparing a smart card for use comprising, at a wireless communication device:

receiving, via a near field communication interface of the device, a digital token from a smart card;

sending the digital token to a verification entity, via a wireless communication interface;

receiving, via the communication interface, content for the smart card;

sending the content to the smart card via the near field communication interface.

2. A method according to claim 1 further comprising:

receiving a data value calculated for the new content from the smart card via the near field communication interface;

sending the data value to the verification entity, via the wireless communication interface.

3. A method according to claim 1 further comprising waiting for a user input before sending the digital token to the verification entity.

4. A method according to claim 3 wherein the user input is at least one of:

a personal identification number;

a biometric input.

14. A wireless communication device comprising:

a wireless communication interface;

a near field communication interface;

a user interface; and

,

a processor which is configured to perform the method according to claim 1.

15. Machine-executable code for causing a processor to perform the method according to claim 1.

5. A method of preparing a smart card for use comprising, at a network entity:

receiving, from a wireless communication device, a digital token which has been obtained from a smart card and a wireless communication device identifier;

verifying that the wireless communication device identifier matches a registered wireless communication device of a cardholder and that the digital token matches a digital token used on a smart card issued to the cardholder;

sending content for the smart card to the wireless communication device.

6. A method of authorising a smart card transaction on a cardholder'"'"'s account comprising, at a wireless communication device:

receiving, via a wireless communication interface of the device, a notification from a verification entity of a transaction on the cardholder'"'"'s account;

notifying the user of the transaction via a user interface of the device;

determining if a card identifier is received from a smart card via a near field communication interface;

sending an approval message to the verification entity, via the wireless communication interface, when the card identifier is received.

7. A method according to claim 6 further comprising waiting for user input before sending the approval message to the verification entity.

8. A method according to claim 7 wherein the user input is at least one of:

a personal identification number;

a biometric input.

9. A method according to claim 6 wherein the notifying comprises notifying the user of the transaction value.

10. A method according to claim 6 wherein the approval message contains the card identifier.

11. A method according to claim 6 wherein the communication device stores a card identifier and issues the approval message if the stored card identifier matches the card identifier received from the smart card.

12. A method of authorising a smart card transaction on a cardholder'"'"'s account comprising, at a verification entity:

sending, to a wireless communication device, a notification of a transaction on the cardholder'"'"'s account;

receiving an approval message from the wireless communication device, wherein the approval message includes a card identifier received from the smart card by the wireless communication device.

13. A method according to claim 12 wherein the approval message includes at least one of:

a personal identification number or a biometric input which has been received at a user interface of the wireless communication device.