Presence-of-Card Code for Offline Payment Processing System
First Claim
1. A computer-implemented method for providing offline payment processing of purchases, comprising:
- storing, by a mobile communication device, smart card identification information for a plurality of smart card devices, the smart card identification information comprising, for each of the smart card devices, a smart card account number and corresponding verification number;
detecting a smart card device by the mobile communication device;
establishing, by the mobile communication device, a communication channel with the smart card device in response to detecting the smart card device;
receiving, by the mobile communication device, smart card identification information from the smart card device, the smart card identification information from the smart card device comprising a smart card account number and a verification number for the smart card device, wherein the verification number for the smart card device is encoded by data on a memory of the smart card device;
verifying, by the mobile communication device, the smart card device by determining that the smart card account number and verification number received from the smart card device matches a smart card account number and corresponding verification number stored by the mobile communication device; and
authorizing, by the mobile communication device, a transaction with the smart card device based on the verification of the smart card device.
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Accused Products
Abstract
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each transaction, wherein it is cross-referenced with the account number to ensure presence of the card. Also, every transaction record is signed by an access key resident on the contactless device and certified by a signing key resident on a remote system. Funds may be deposited onto the card when the contactless device creates a deposit request, signs the request using an access key and transmits it to the remote system, which in turn processes the request and certifies it with a signing key. Funds may be withdrawn when the contactless device creates a withdrawal record and signs it using an access key. The remote system verifies the signatures and certifies the records using a signing key when the records are later transmitted.
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Citations
18 Claims
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1. A computer-implemented method for providing offline payment processing of purchases, comprising:
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storing, by a mobile communication device, smart card identification information for a plurality of smart card devices, the smart card identification information comprising, for each of the smart card devices, a smart card account number and corresponding verification number; detecting a smart card device by the mobile communication device; establishing, by the mobile communication device, a communication channel with the smart card device in response to detecting the smart card device; receiving, by the mobile communication device, smart card identification information from the smart card device, the smart card identification information from the smart card device comprising a smart card account number and a verification number for the smart card device, wherein the verification number for the smart card device is encoded by data on a memory of the smart card device; verifying, by the mobile communication device, the smart card device by determining that the smart card account number and verification number received from the smart card device matches a smart card account number and corresponding verification number stored by the mobile communication device; and authorizing, by the mobile communication device, a transaction with the smart card device based on the verification of the smart card device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer program product, comprising:
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a non-transitory computer-readable medium having computer-readable program code embodied therein for providing offline payment processing of purchases, the computer-readable medium comprising; computer-readable program code for storing smart card identification information for a plurality of smart card devices, the smart card identification information comprising, for each of the smart card devices, a smart card account number and corresponding verification number; computer-readable program code for receiving smart card identification information from the smart card device, the smart card identification information from the smart card device comprising a smart card account number and a verification number for the smart card device, wherein the verification number for the smart card device is encoded by data on a memory of the smart card device; computer-readable program code for verifying the smart card device by determining that the smart card account number and verification number received from the smart card device matches a smart card account number and corresponding verification number stored by the mobile communication device; and
; andcomputer-readable program code for authorizing a transaction with the smart card device based on the verification of the smart card device. - View Dependent Claims (10, 11, 12, 13)
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14. A system for providing offline payment processing of purchases, the system comprising:
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one or more information processing units for executing programs; and an engine executable on the one or more information processing units, the engine comprising; instructions for storing smart card identification information for a plurality of smart card devices, the smart card identification information comprising, for each of the smart card devices, a smart card account number and corresponding verification number; instructions for receiving smart card identification information from the smart card device, the smart card identification information from the smart card device comprising a smart card account number and a verification number for the smart card device, wherein the verification number for the smart card device is encoded by data on a memory of the smart card device; instructions for verifying the smart card device by determining that the smart card account number and verification number received from the smart card device matches a smart card account number and corresponding verification number stored by the mobile communication device; and instructions for authorizing a transaction with the smart card device based on the verification of the smart card device. - View Dependent Claims (15, 16, 17, 18)
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Specification