MOBILE BANKING SYSTEM WITH CRYPTOGRAPHIC EXPANSION DEVICE

• US 20140188738A1
• Filed: 07/20/2012
• Published: 07/03/2014
• Est. Priority Date: 07/20/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Huxham, Horatio Nelson
• Granted Patent: US 9,686,235 B2
• Time in Patent Office: Days
• US Class Current: 705/73
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/02 for separating internal from external traffic, e.g. firewalls
• CPC Class Codes: H04L 63/0281 Proxies
• CPC Class Codes: H04L 63/0464 using hop-by-hop encryption, i.e. wherein an intermediate entity decrypts the information and re-encrypts it before forwarding it
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/10 for controlling access to devices or network resources
• CPC Class Codes: H04W 12/02 Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII]
• CPC Class Codes: H04W 12/033 of the user plane, e.g. user's traffic
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H05K 3/321 by conductive adhesives
• CPC Class Codes: Y10T 29/4913 Assembling to base an electrical component, e.g., capacitor, etc.
• CPC Class Codes: Y10T 29/53174 Means to fasten electrical component to wiring board, base, or substrate

Abstract

A mobile banking system that uses a cryptographic expansion device attached to a communication component of a mobile device and a secure gateway device to enable end-to-end secure communications between the mobile device and a payment processing network is disclosed. The cryptographic expansion device enables the mobile device to perform cryptographic operations on communications sent to and from the mobile device. The secure gateway device prevents unauthorized accesses to the payment processing network.

Claims

1. A method for conducting a mobile banking transaction using a mobile device, the method comprising:

receiving, at a secure gateway device, a transaction request message originating from the mobile device on a secure communication channel for conducting a mobile banking transaction, wherein the transaction request message is encrypted by a cryptographic expansion device attached to a communication component of the mobile device;

decrypting, by the secure gateway device, the transaction request message originating from the mobile device; and

forwarding the transaction request message to a server for processing.

2. The method of claim 1, wherein the communication component is a SIM card, and the cryptographic expansion device is in the form of a label that is attached to the SIM card.

3. The method of claim 2, further comprising

re-encrypting the transaction request message prior to forwarding the transaction request message to the server.

4. The method of claim 2, wherein the secure communication channel is established with the secure gateway device using a predetermined sequence of network messages that is received at the secure gateway device.

5. The method of claim 4, wherein the secure gateway device refrains from responding to a network message until the predetermined sequence of network messages has been received.

6. The method of claim 5, wherein the predetermined sequence of network messages comprises a sequence of synchronize messages having a predetermined order of port identifiers.

7. The method of claim 2, wherein the transaction request message originated from the mobile device as a Short Message Service (SMS) message or a Unstructured Supplementary Service Data (USSD) message.

8. The method of claim 2, wherein the transaction request message originated from the mobile device as a Near Field Communication (NFC) message or a Radio Frequency (RF) communication message.

9. The method of claim 2, wherein the cryptographic expansion device is an adhesive label.

10. A method for conducting a mobile banking transaction using a mobile device, the method comprising:

receiving, at the mobile device, a user request to conduct the mobile banking transaction;

generating a transaction request message;

encrypting the transaction request message with a cryptographic expansion device attached to a communication component of the mobile device; and

sending the transaction request message to a secure gateway device, wherein the secure gateway device is to forward the transaction request message to a server for processing.

11. The method of claim 10, wherein the communication component is a SIM card, and the cryptographic expansion device is in the form of a label that is attached to the SIM card.

12. The method of claim 11, wherein the transaction request message is sent from the mobile device as a Short Message Service (SMS) message or a Unstructured Supplementary Service Data (USSD) message.

13. The method of claim 11, wherein the transaction request message is sent from the mobile device as a Near Field Communication (NFC) communication or a Radio Frequency (RF) communication.

14. The method of claim 11, wherein the cryptographic expansion device is an adhesive label.

15. A mobile banking system comprising:

a cryptographic expansion device comprising a hardware security module (HSM) to encrypt a transaction request message being sent from a mobile device to conduct a mobile banking transaction, wherein the cryptographic expansion device is in the form of a label that is attached to a communication component of the mobile device; and

a secure gateway device communicatively coupled to the mobile device to receive and forward the transaction request message to a server for processing, the secure gateway device comprising;

an access control module to establish a secure communication channel to the mobile device using a predetermined sequence of network messages; and

a cryptographic module to decrypt the transaction request message originating from the mobile device received on the secure communication channel.

16. The mobile banking system of claim 15, wherein the communication component is a SIM card, and the cryptographic expansion device is in the form of a label that is attached to the SIM card.

17. The mobile banking system of claim 15, wherein the cryptographic module of the secure gateway device is further to re-encrypt the transaction request message prior to the secure gateway device forwarding the transaction request message to the server.

18. The mobile banking system of claim 15, wherein the access control module of the secure gateway device is to refrain from responding to a network message until the predetermined sequence of network messages has been received.

19. The mobile banking system of claim 18, wherein the predetermined message sequence comprises a sequence of synchronize messages having a predetermined order of port identifiers.

20. The mobile banking system of claim 16, wherein the transaction request message is sent from the mobile device as a Short Message Service (SMS) message or a Unstructured Supplementary Service Data (USSD) message.

21. The mobile banking system of claim 16, wherein the transaction request message is sent from the mobile device as a Radio Frequency (RF) communication or a Near Field Communication (NFC) communication.

22. The mobile banking system of claim 16, wherein the cryptographic expansion device is an adhesive label.