SECURE ACTIVATION BEFORE CONTACTLESS BANKING SMART CARD TRANSACTION
First Claim
1. A portable token equipped with non-volatile memory, the token comprising:
- authentication means to authenticate a holder of the token,authorization means to define the rights of the holder, wherein the authorization means store the rights in non-volatile memory after the authentication means are invoked, andpayment means to trigger a payment transaction, wherein the payment means have the capacity to retrieve the rights from non-volatile memory, and to subject the execution of the payment transaction to the verification of the rights.
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Accused Products
Abstract
The invention relates to a portable token equipped with non-volatile memory, the token comprising authentication means to authenticate a holder of the token, authorization means to define the rights of the holder, and payment means to trigger a payment transaction. The authorization means are set to store the rights in non-volatile memory after the authentication means are invoked, and the payment means have the capacity to retrieve the rights from non-volatile memory, and to subject the execution of the payment transaction to the verification of the rights. The invention also relates to a related portable device, to a system comprising a portable token and a portable token, and to a method for carrying out a payment transaction with a portable token.
193 Citations
12 Claims
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1. A portable token equipped with non-volatile memory, the token comprising:
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authentication means to authenticate a holder of the token, authorization means to define the rights of the holder, wherein the authorization means store the rights in non-volatile memory after the authentication means are invoked, and payment means to trigger a payment transaction, wherein the payment means have the capacity to retrieve the rights from non-volatile memory, and to subject the execution of the payment transaction to the verification of the rights. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A System comprising:
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a portable token equipped with non-volatile memory, the token comprising; authentication means to authenticate a holder of the token, authorization means to define the rights of the holder, wherein the authorization means store the rights in non-volatile memory after the authentication means are invoked, and payment means to trigger a payment transaction, wherein the payment means have the capacity to retrieve the rights from non-volatile memory, and to subject the execution of the payment transaction to the verification of the rights; and a portable device, wherein the portable device comprises means to communicate with the portable token, and a user interface to enable the holder of the portable token to supply authentication information to the authentication means of the portable token, thereby authenticating the holder.
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8. A portable device comprising:
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means to communicate with a portable token equipped with non-volatile memory, the token comprising; authentication means to authenticate a holder of the token, authorization means to define the rights of the holder, wherein the authorization means store the rights in non-volatile memory after the authentication means are invoked, payment means to trigger a payment transaction, wherein the payment means have the capacity to retrieve the rights from non-volatile memory, and to subject the execution of the payment transaction to the verification of the rights right update means to modify the rights, according to a right policy, each time the payment means are invoked, and a user interface to enable the holder of the portable token to supply authentication information to the authentication means of the portable token, thereby authenticating the holder, the user interface being further set to enable the holder of the portable token to customize the rights policy. - View Dependent Claims (9, 10, 11)
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12. A method for allowing a holder of a portable token to carry out a payment transaction, wherein the method comprises, in a first phase,
authenticating the holder to the portable token, defining, in the portable token, the rights of the holder, and storing the rights in a non-volatile memory of the portable token, and, in a subsequent phase, retrieving the rights from non-volatile memory, and subjecting the execution of the payment transaction to the successful verification of the rights.
Specification