MOBILE DIGITAL SIGNATURE READER

• US 20140076967A1
• Filed: 09/18/2012
• Published: 03/20/2014
• Est. Priority Date: 09/18/2012
• Status: Abandoned Application

• Current Assignee: Rawllin International Inc.
• Original Assignee: Rawllin International Inc.
• Inventors: Pushkin, Nicholas, Kitlyar, Vladimir V., Lebedev, Sergey
• Application Number:
  US13/622,226
• Publication Number:
  US 20140076967A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06F 21/42 using separate channels for security data
• CPC Class Codes: G06Q 20/3272 using an audio code
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures

Abstract

Disclosed are systems and techniques that communicate data from a smart card to a smart card reader component and a computer device for an online application, transaction, or service. A smart card reader component converts data from the smart card to audio data and communicates the audio data to the computer. The smart card reader component is a portable component that communicates account data, personal identification data, digital signature data and authentication data to an online application via a network.

Claims

1. A system, comprising:

a memory that stores computer-executable components, and a processor, communicatively coupled to the memory, that facilitates execution of the computer-executable components, the computer-executable components including;

a smart card reader component configured to convert data read from a smart card to audio data in connection with a transaction for a product or a service;

a digital signature component configured to, in response to reception of the audio data, determine digital signature data including personal identification data from the audio data; and

a transaction component configured to process at least a portion of the transaction based at least in part on the digital signature data.

2. The system of claim 1, wherein the transaction component is further configured to communicate the personal identification data to a first network device in response to a request for the personal identification data from the first network device or in response to a request for the personal identification data included in an online application.

3. The system of claim 1, the computer-executable components further comprising a display component coupled to the smart card reader component configured to facilitate display of the personal identification data.

4. The system of claim 2, the computer-executable components further comprising:

an authentication component configured to determine authentication data based on authentication of at least one of payment data, the digital signature data or the personal identification data for the transaction.

5. The system of claim 4, wherein the transaction component is communicatively coupled to a first network and is configured to communicate at least one of payment data related to the transaction, the digital signature data, the personal identification data or the authentication data in response initiation of at least the portion of the transaction.

6. The system of claim 4, wherein the transaction component is configured to communicate the audio data based at least in part on a request for at least one of payment data, the digital signature data, the personal identification data or the authentication data.

7. The system of claim 1, wherein the smart card reader component is configured to communicate with the smart card via a near field communication (NFC) protocol, a magnetic stripe, a Bluetooth communication protocol, or a Wi-Fi protocol.

8. The system of claim 1, wherein the smart card is communicatively coupled to the smart card reader component and at least one of the smart card reader component or the smart card, and is configured to receive, update and store the digital signature data via communications with a remote storage accessible via one or more networks.

9. The system of claim 1, wherein the transaction component is further configured to receive and record at least one receipt of a communication between the smart card reader component and a first network device that relates to the transaction, wherein the at least one receipt includes at least part of the digital signature data.

10. The system of claim 1, wherein the smart card reader component is removable from the smart card, and is configured to communicate wirelessly with a network device for the transaction.

11. The system of claim 10, wherein the smart card reader component is configured to store the audio data from the smart card without the smart card.

12. The system of claim 1, further comprising a network device including an audio port and is configured to communicate via a near field communication with the smart card or the network device.

13. The system of claim 1, wherein the smart card is a removable smart card having a first interface that communicates with the smart card reader component via physical contact to the smart card reader component, and a second interface that communicates with the smart card reader component without physical contact with the smart card reader component, and the smart card is powered in response to being proximately located to an antenna of the smart card reader component.

14. The system of claim 1, wherein the transaction component is further configured to communicate the digital signature data for application to a digital document related to the transaction to electronically sign the digital document.

15. An apparatus comprising:

a memory storing computer-executable instructions; and

a processor, communicatively coupled to the memory, that facilitates execution of the computer-executable instructions to at least;

convert data read from a smart card to audio data in connection with a transaction for a product or service of a networked application;

determine, from the audio data, digital signature data including an identity;

authenticate the identity associated with the digital signature data;

initiate performance, in response to authentication of the identity, of at least a portion of the transaction; and

communicate at least part of the audio data to the networked application.

16. The apparatus of claim 15, wherein the processor further facilitates execution of the computer-executable instructions to:

communicate to the networked application the audio data based on a set of criteria.

17. The apparatus of claim 15, wherein communication of the at least part of the audio data further comprises:

communication with an audio jack configured to enable communication of the audio data to the networked application.

18. The apparatus of claim 15, wherein the processor further facilitates execution of the computer-executable instructions to:

communicate with the smart card via a near field communication (NFC) protocol, a magnetic stripe, a Bluetooth communication protocol, or a Wi-Fi protocol.

19. The apparatus of claim 18, wherein the processor further facilitates execution of the computer-executable instructions to:

communicate with the smart card to receive, update and store at least a portion of the digital signature data on the smart card via communication with a remote storage accessible via one or more networks.

20. The apparatus of claim 15, wherein the processor further facilitates execution of the computer-executable instructions to:

record at least one receipt or communication with the online application via the first network, wherein the at least one receipt includes at least part of the digital signature data.

21. The apparatus of claim 15, wherein the processor further facilitates execution of the computer-executable instructions to:

receive the data from the smart card via physical contact with the smart card, and without physical contact with the smart card in response to the smart card being proximately located to an antenna communicatively coupled to the processor.

22. The apparatus of claim 15, wherein the audio data includes at least one of a digital signature data that the processor communicates to electronically sign a digital document for the transaction.

23. The apparatus of claim 22, wherein the audio data includes personal identification data that the processor communicates to identify ownership information.

24. The apparatus of claim 23, wherein the processor further facilitates execution of the computer-executable instructions to:

in response to reception of a request for the audio data, communicate to the networked application at least one of the digital signature data, the personal identification data or authentication data that authenticates the identity associated with the digital signature data, based on the request.

25. A method, comprising:

receiving, by a smart card reader component including at least one processor, data from a smart card in connection with a transaction or online application for a product or a service;

converting the data to audio data;

communicating, in response to reception of the audio data, the audio data that includes in part identity data and a digital signature to be used in connection with processing the transaction or online application; and

processing at least part of the transaction or online application based on the identity data and the digital signature.

26. The method of claim 25, further comprising:

receiving the audio data that includes payment data, the digital signature, the identity data, and an authentication data that authenticates at least part of the audio data.

27. The method of claim 26, further comprising at least one of:

populating a transaction field of a networked application with the payment data in response to identification of a request for the payment data;

populating an application field of the networked application with the identity data in response to identification of a request for the identity data;

populating the digital document with the digital signature in response to identification of a request for the digital signature;

or

populating an authentication of the audio data in response to identification of a request for identity information.

28. The method of claim 27, wherein the populating the identity data includes communicating at least one of a name, photo, address, or a date of birth.

29. The method of claim 25, further comprising:

displaying the audio data in a display of a mobile device.

30. The method of claim 25, further comprising:

storing the data from the smart card to a memory of the smart card reader component.

31. The method of claim 25, further comprising:

communicating the audio data to a networked application via a first network from the smart card reader component; and

recording on the smart card reader component at least one receipt of a communication from the communicating of the audio data to the networked application, wherein the at least one receipt includes at least part of the digital signature data.

32. The method of claim 31, further comprising:

receiving, updating and storing data stored on the smart card via a communication with a remote storage accessible via one or more networks.

33. The method of claim 25, wherein the receiving the data from the smart card includes receiving the data without physical contact of the smart card to the smart card reader component and in response to the smart card being proximately located to the smart card reader component.

34. The method of claim 25, wherein the communicating the audio data includes communicating the audio data via an audio jack of the smart card reader component.

35. The method of claim 25, wherein the communicating the audio data includes communicating the digital signature data that the processor communicates to electronically sign a digital document for the transaction or the online application.

36. A computer readable storage medium comprising computer executable instructions that, in response to execution, cause a computing system including at least one processor to perform operations, comprising:

receiving, by a smart card reader component, a data from a smart card;

converting the data to audio data;

communicating the audio data via an audio jack to a computer device that is communicatively coupled to a first network; and

in response to a request from the first network including account data, communicating at least a part of the audio data that corresponds to the request and at least one of digital signature data, personal identification data, or authentication data.

37. The computer readable storage medium of claim 36, the operations further including:

in response to receiving a request for account data, communicating the account data to the first network to process a transaction;

in response to receiving a request for the digital signature, communicating the digital signature to a digital document of a networked application;

in response to receiving a request for the personal identification data, communicating the personal identification data to the networked application;

or

in response to receiving a request for the authentication data, communicating the authentication data to the networked application.

38. The computer readable storage medium of claim 36, the operations further including:

communicating the audio data to the networked application via the first network from the smart card reader component and the computer device; and

recording on the smart card reader component a receipt of a communication from the communicating of the audio data.

39. The computer readable storage medium of claim 36, the operations further including:

receiving, updating and storing data stored on the smart card from the smart card reader component via a near field communication.

40. A system comprising:

means for reading and generating audio data from data stored on a smart card;

means for providing at least part of the audio data to an online application for a transaction in response to determining at least personal identification data from the audio data; and

means for communicating at least part of the audio data based on a request from the online application via the network, wherein the audio data includes transaction data, digital signature data or authentication data.

41. The system of claim 40, further comprising:

means for recording a receipt of a communication from the communicating of the audio data to the online application via the means for communicating; and

means for receiving, updating and storing data stored on the smart card.