SYSTEMS AND METHODS FOR PRODUCT AUTHENTICATION AND CONSUMER RELATIONSHIP MANAGEMENT

• US 20140258108A1
• Filed: 03/11/2013
• Published: 09/11/2014
• Est. Priority Date: 03/11/2013
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Ekselius, Lukas, Ates, Fikret
• Application Number:
  US13/794,032
• Publication Number:
  US 20140258108A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing

Abstract

In one aspect, processing a product authentication transaction using a transaction terminal includes reading a secure token having a data value corresponding with a product item, determining that the data value is a valid data value corresponding with the product item, and providing an indication that the product item is authentic if the data value is a valid data value corresponding to the product item. In another aspect, processing a product authentication transaction using a terminal connected to a payment network includes reading a secure token having a data value corresponding with a product item, transmitting the data value to an authentication processor, receiving an authentication response from the authentication processor, the authentication response comprising an determination that the data value is a valid data value corresponding to the product item, and providing an indication that the product item is authentic based on the authentication response.

Claims

1. A method for processing a product authentication transaction using a transaction terminal, the method comprising:

reading, by the transaction terminal, a secure token having a data value corresponding with a product item;

determining, by the transaction terminal, that the data value is a valid data value corresponding with the product item; and

providing, by the transaction terminal, an indication that the product item is authentic if the data value is a valid data value corresponding to the product item.

2. The method of claim 1, wherein the secure token comprises a contact smart chip readable by an EMV-compliant transaction terminal.

3. The method of claim 1, wherein the secure token comprises a contactless chip readable by a contactless transaction terminal.

4. The method of claim 1, wherein the data value comprises a serial number of the product item.

5. The method of claim 1, wherein the data value comprises a product model number of the product item.

6. The method of claim 1, wherein providing the indication comprises displaying a visual indicator on an output screen.

7. The method of claim 1, wherein providing the indication comprises providing a receipt including the data value of the product item.

8. The method of claim 1, wherein the secure token is embedded in the product item.

9. A method for processing a product authentication transaction using a terminal connected to a payment network, the method comprising:

reading, by the terminal, a secure token having a data value corresponding with a product item;

transmitting, by the terminal via the payment network, the data value to an authentication processor;

receiving, by the terminal via the payment network, an authentication response from the authentication processor, the authentication response comprising an determination that the data value is a valid data value corresponding to the product item; and

providing, by the terminal, an indication that the product item is authentic based on the authentication response.

10. The method of claim 9, wherein the secure token comprises a contact smart chip and the terminal is an EMV payment card terminal.

11. The method of claim 9, wherein the secure token comprises a contactless chip and the terminal comprises a contactless transaction terminal.

12. The method of claim 9, wherein the terminal comprises an NFC-enabled device.

13. The method of claim 12, further comprising providing, by the terminal, one or more CRM services based on the authenticated product item.

14. The method of claim 13, wherein the one or more CRM services comprises one or more of a product offer, a warranty registration, a loyalty program offer, and an interface to access a social networking website.

15. The method of claim 9, wherein the secure token is embedded in the product item.

16. The method of claim 9, further comprising providing product authentication transaction information via the payment network to one or more of a principal, an issuer and an owner of the payment network.

17. A transaction terminal for processing a product authentication transaction, the transaction terminal comprising:

one or more processors; and

one or more computer readable storage media embodying software that is configured when executed by one or more of the processors to;

read a data value from a secure token, the data value corresponding with a product item;

determine that the data value is a valid data value corresponding with the product item; and

providing an indication that the product item is authentic if the data value is a valid data value corresponding to the product item.

18. The terminal of claim 17, wherein the secure token comprises a contact smart chip readable by an EMV-compliant transaction terminal.

19. The terminal of claim 17, wherein the secure token comprises a contactless chip readable by a contactless transaction terminal.

20. The terminal of claim 17, wherein the data value comprises a serial number of the product item.

21. The terminal of claim 17, wherein the data value comprises a product model number of the product item.

22. The terminal of claim 17, wherein the indication comprises a visual indicator, the terminal further comprising an output screen to display the visual indicator.

23. The terminal of claim 17, wherein the indication comprises a receipt including the data value, the terminal further comprising a printer to provide the receipt.

24. The terminal of claim 17, wherein the secure token is embedded in the product item.

25. A terminal for processing a product authentication transaction using a payment network in communication with the terminal, the terminal comprising:

one or more processors; and

one or more computer readable storage media embodying software that is configured when executed by one or more of the processors to;

read a secure token having a data value corresponding with a product item;

transmit, via the payment network, the data value to an authentication processor;

receive, via the payment network, an authentication response from the authentication processor, the authentication response comprising an determination that the data value is a valid data value corresponding to the product item; and

provide an indication that the product item is authentic based on the authentication response.

26. The terminal of claim 25, wherein the secure token comprises a contact smart chip readable by an EMV-compliant transaction terminal.

27. The terminal of claim 25, wherein the secure token comprises a contactless chip readable by a contactless transaction terminal.

28. The terminal of claim 25, wherein the secure token comprises an NFC-enabled transmitter, the terminal further comprising an NFC-enabled transceiver.

29. The terminal of claim 28, wherein the software is further configured to provide one or more CRM services based on the authenticated product item.

30. The terminal of claim 29, wherein one or more CRM services comprises one or more of a product offer, a warranty registration, a loyalty program offer, and an interface to access a social networking website.

31. The terminal of claim 25, wherein the secure token is embedded in the product item.

32. The terminal of claim 25, wherein the software is further configured to provide product authentication information to one or more of a principal, an issuer and an owner of the payment network.

33. The terminal of claim 25, wherein the terminal comprises a mobile phone having an NFC-enabled transceiver, and the software comprises an application running on the mobile phone.