OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY

• US 20130060647A1
• Filed: 10/26/2012
• Published: 03/07/2013
• Est. Priority Date: 09/22/2008
• Status: Active Grant

• Current Assignee: Chris Pitchford, Christian Aabye, David William Wilson, Gustavo Mariath Zeiden, Hao Ngo, Kiushan Pirzadeh
• Original Assignee: Chris Pitchford, Christian Aabye, David William Wilson, Gustavo Mariath Zeiden, Hao Ngo, Kiushan Pirzadeh
• Inventors: Aabye, Christian, Ngo, Hao, Wilson, David William, Zeiden, Gustavo Mariath, Pitchford, Chris, Pirzadeh, Kiushan
• Granted Patent: US 10,037,523 B2
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/322 Aspects of commerce using mobile devices [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 20/3829 involving key management
• 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

Abstract

A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications. If encryption keys are used for the encryption and decryption processes, they may be distributed by a key distribution server or other suitable entity to a mobile gateway which participates in the data encryption and decryption operations.

Claims

1-5. -5. (canceled)

6. A data processing device, comprising:

a processor;

a memory; and

a set of instructions stored in the memory, which when executed by the processor implement a method to

receive data for a payment transaction from a point of sale terminal, wherein at least some of the data is provided to the point of sale terminal by a mobile device that communicates with the point of sale terminal using a near field communications mechanism;

process the received data to generate a record of the transaction, wherein the record of the transaction includes an update to data stored in the mobile device as a result of communicating with the point of sale terminal; and

provide the record of the transaction to an element of a wireless communications system, thereby causing the record of the transaction to be provided to the mobile device over a wireless network.

7. The data processing device of claim 6, wherein the mobile device is a mobile phone.

8. The data processing device of claim 6, wherein the data stored in the mobile device is a balance of an account associated with the device.

9. The data processing device of claim 8, wherein the account is one of a prepaid account, a credit account, or a debit account.

27. The data processing device of claim 6, wherein the record of the transaction is provided after the payment transaction is complete.

28. The data processing device of claim 27, wherein the update to data corrects a discrepancy in the payment transaction.

29. The data processing device of claim 8, wherein the data processing device is a computer.

30. The data processing device of claim 8, wherein the update to data stored in the mobile device includes an update to the balance of an account associated with the device.

31. The data processing device of claim 30, wherein the balance of the account reflects a remaining credit limit.

32. The data processing device of claim 6, wherein the update to the device includes warranty information.

33. The data processing device of claim 6, wherein the update to the device includes additional transaction records.

34. The data processing device of claim 6, wherein the record of the transaction is stored in a secure memory storage region at the mobile device.

35. The data processing device of claim 34, wherein the secure memory storage region is within the near field communications mechanism.

36. The data processing device of claim 6, wherein the record of the transaction is provided to the mobile device as encrypted data, wherein the encrypted data is decrypted by the mobile device.

37. The data processing device of claim 6, wherein the element in the wireless communications system is one of a plurality of mobile gateways.

38. The data processing device of claim 37, wherein each mobile gateway in the plurality of mobile gateways is associated with a particular geographical area.

39. The data processing device of claim 37, wherein each mobile gateway in the plurality of mobile gateways is associated with a particular type of mobile device.

40. The data processing device of claim 37, wherein each mobile gateway in the plurality of mobile gateways is associated with one or more of characteristics of the transaction.

10-26. -26. (canceled)