WIRELESS SMART CARD AND INTEGRATED PERSONAL AREA NETWORK, NEAR FIELD COMMUNICATION AND CONTACTLESS PAYMENT SYSTEM

• US 20130092741A1
• Filed: 10/12/2012
• Published: 04/18/2013
• Est. Priority Date: 09/21/2007
• Status: Abandoned Application

• Current Assignee: Ambrose Tam, Michael Loh
• Original Assignee: Ambrose Tam, Michael Loh
• Inventors: Loh, Michael, Tam, Ambrose
• Application Number:
  US13/651,369
• Publication Number:
  US 20130092741A1
• Time in Patent Office: Days
• US Class Current: 235/492
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• 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 20/341 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 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• 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 wireless smart card having a personal area network transceiver, such as a Bluetooth transceiver, to couple the wireless smart card with a mobile communication device, and a near field communication (NFC) and radio-frequency identification (RFID) transceiver to couple the wireless smart card to a wireless transaction device, and a transponder with a secure element to allow secure communications between the mobile communication device with the wireless smart card and the wireless smart card and the wireless transaction device is described. The wireless smart card allows, for example, contactless payment through a Bluetooth-enabled mobile communication device without modification to the mobile communication device.

Claims

1. A wireless smart card comprising:

a personal area network (PAN) interface;

a near field communication (NFC) and radio frequency identification (RFID) transceiver;

a secure element coupled to the NFC and RFID transceiver;

a processor coupled to the PAN interface, the NFC and RFID transceiver and the secure element; and

a memory coupled to the processor.

2. The wireless smart card of claim 1, wherein the secure element is coupled to the NFC and RFID transceiver through the processor.

3. The wireless smart card of claim 1, further comprising a real-time clock coupled to the processor.

4. The wireless smart card of claim 1, wherein the PAN interface is for enabling the wireless smart card to communicate with a wireless mobile communication device.

5. The wireless smart card of claim 1, wherein the PAN interface comprises a PAN transceiver.

6. The wireless smart card of claim 1, wherein the PAN interface comprises a USB connector.

7. The wireless smart card of claim 1, further comprising a display coupled to the processor.

8. The wireless smart card of claim 1, further comprising a rechargeable battery and charger circuit coupled to the processor.

9. The wireless smart card of claim 1, further comprising a biometric fingerprint reader coupled to the processor.

10. The wireless smart card of claim 1, further comprising a manually operable input device coupled to the processor.

11. The wireless smart card of claim 10, wherein the manually operable input device comprises an activation button.

12. The wireless smart card of claim 1, wherein the PAN interface is a Bluetooth transceiver.

13. The wireless smart card of claim 1, wherein the NFC and RFID transceiver comprises a NFC transceiver or an RFID transceiver.

14. The wireless smart card of claim 1, wherein the NFC and RFID transceiver is configured to be wirelessly connected to a contactless transaction terminal.

15. The wireless smart card of claim 1, wherein the secure element is configured to be wirelessly connected to a transaction server through the NFC and RFID transceiver.

16. The wireless smart card of claim 1, wherein the secure element is configured to be wirelessly connected to a service server through the PAN interface.

17. The wireless smart card of claim 1, wherein the secure element comprises applets configured to enable a payment function.

18. The wireless smart card of claim 1, wherein the secure element comprises applets configured to enable a communication function.

19. The wireless smart card of claim 1 wherein the wireless smart card is configured to selectively operate in one of a plurality of modes.

20. The wireless smart card of claim 19 wherein the wireless smart card is configured to automatically detect the one of the plurality of modes for a transaction.

21. The wireless smart card of claim 19 wherein the plurality of modes comprises a passivation and activation mode, a network transaction mode, a contactless payment mode, a read/write mode, and a peer-to-peer communication mode.