Mobile Device With Secure Element

• US 20130024383A1
• Filed: 07/18/2012
• Published: 01/24/2013
• Est. Priority Date: 07/18/2011
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Kannappan, Sasikumar
• Application Number:
  US13/552,559
• Publication Number:
  US 20130024383A1
• Time in Patent Office: Days
• US Class Current: 705/71
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless
• CPC Class Codes: H04L 9/321 involving a third party or a trusted authority
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/35 Protecting application or service provisioning, e.g. securing SIM application provisioning

Abstract

Embodiments of the present invention are directed to methods, systems, and apparatuses for securely communicating issuer updates, upgrades, and allowing configuration of payment-related applications on a mobile communication device using a mobile security application. One embodiment is directed to a method of using a mobile communication device comprising a mobile security application, a key associated with the mobile security application, a first mobile payment application in communication with the mobile security application and a second mobile payment application in communication with the mobile security application. The method includes communicating, by the first mobile payment application in the mobile communication device with a mobile gateway, in a first communication, wherein the first communication is encrypted using the key and communicating, by the second mobile payment application in the mobile communication device with a mobile gateway, in a second communication, wherein the second communication is encrypted using the key.

Claims

1. A method of using a mobile communication device comprising a mobile security application, a key associated with the mobile security application, a first mobile payment application in communication with the mobile security application and a second mobile payment application in communication with the mobile security application, the method comprising:

communicating, by the first mobile payment application in the mobile communication device with a mobile gateway, in a first communication, wherein the first communication is encrypted using the key; and

communicating, by the second mobile payment application in the mobile communication device with the mobile gateway, in a second communication, wherein the second communication is encrypted using the key.

2. The method of claim 1 wherein the key is a UDK.

3. The method of claim 1 wherein the key is present in the mobile security application.

4. The method of claim 1 wherein the mobile security application, the first mobile payment application, and the second mobile payment application are stored in a secure element in the mobile communication device.

5. The method of claim 1 wherein the mobile communication device is a mobile phone.

6. The method of claim 1 wherein the mobile communication device further comprises an unsecured application, wherein the first and second communications utilize the unsecured application.

7. The method of claim 6 wherein the unsecured application comprises account data.

8. The method of claim 7 wherein the account data is sent to the mobile gateway via the mobile security application.

9. The method of claim 7 wherein the account data includes an account number associated with a payment card issued by an issuer.

10. The method of claim 1 wherein the first communication and the second communication are selected from a group consisting of issuer application updates, balance updates, updating parameters for the mobile communication device, blocking a respective mobile payment application on the mobile communication device, unblocking the respective mobile payment application, disabling payment functionality on the mobile communication device, unblocking a passcode on the mobile communication device, changing the passcode on the mobile communication device, or setting the passcode to a default passcode.

11. A mobile communication device comprising:

a processor;

a secure element comprising a mobile security application associated with the processor, a key associated with a mobile security application, a first mobile payment application associated with the mobile security application, and a second mobile payment application associated with the mobile security application, wherein the processor is configured to use the key to encrypt a first communication between the first mobile payment application and a mobile gateway, and wherein the processor is further configured to use the key to encrypt a second communication between the second mobile payment application and the mobile gateway; and

an antenna coupled to the processor.

12. The mobile communication device of claim 11 wherein the key is a UDK.

13. The mobile communication device of claim 11 wherein the key is present in the mobile security application.

14. The mobile communication device of claim 11 wherein the mobile security application, the first mobile payment application, and the second mobile payment application are stored in a secure element in the mobile communication device.

15. The mobile communication device of claim 11 wherein the mobile communication device is a mobile phone.

16. The mobile communication device of claim 11 wherein the mobile communication device further comprises an unsecured application, wherein the first and second communications utilize the unsecured application.

17. The mobile communication device of claim 16 wherein the unsecured application comprises account data.

18. The mobile communication device of claim 17 wherein the account data is sent to the mobile gateway via the mobile security application.

19. The mobile communication device of claim 17 wherein the account data includes an account number associated with a payment card issued by an issuer.

20. The mobile communication device of claim 11 wherein the first communication and the second communication are selected from a group consisting of issuer application updates, balance updates, updating parameters for the mobile communication device, blocking a respective mobile payment application on the mobile communication device, unblocking the respective mobile payment application, disabling payment functionality on the mobile communication device, unblocking a passcode on the mobile communication device, changing the passcode on the mobile communication device, or setting the passcode to a default passcode.