SYSTEM AND METHOD FOR EXCHANGING DATA WITH SMART CARDS
First Claim
Patent Images
1. A system, comprising:
- an issuer system that receives, via a network, registration information from a mobile device, wherein the issuer system is associated with a financial institution that issues a smart card to a user and wherein the registration information includes an identifier of the mobile device; and
a mobile device application associated with the issuer system, that when executed on a mobile device, communicates with the issuer system to validate the mobile device as a trusted device and enables the trusted device to communicate with the smart card and enable smart card management features mobile device application.
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Abstract
A system that includes an issuer system that receives, via a network, registration information from a mobile device, wherein the issuer system is associated with a financial institution that issues a smart card to a user and wherein the registration information includes an identifier of the mobile device, and a mobile device application associated with the issuer system, that when executed on a mobile device, communicates with the issuer system to validate the mobile device as a trusted device and enables the trusted device to communicate with the smart card and enable smart card management features mobile device application.
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Citations
16 Claims
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1. A system, comprising:
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an issuer system that receives, via a network, registration information from a mobile device, wherein the issuer system is associated with a financial institution that issues a smart card to a user and wherein the registration information includes an identifier of the mobile device; and a mobile device application associated with the issuer system, that when executed on a mobile device, communicates with the issuer system to validate the mobile device as a trusted device and enables the trusted device to communicate with the smart card and enable smart card management features mobile device application. - View Dependent Claims (2, 3, 4, 5)
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6. A system, comprising:
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an issuer system that receives via a network from a mobile device an inputted personal identification number (PIN) associated with a smart card issued by the issuer system and transmits via a communication interface a validation message including the inputted PIN to the mobile device based on a validation of the inputted PIN; and a mobile application executing on a mobile device that receives the validation message, prompts the user to provide the inputted PIN to the mobile device, compares, using a processor of the mobile device, the provided inputted PIN with the inputted PIN received in the validation message, and enables transmission of the inputted PIN to the smart card if the provided inputted PIN matches the inputted PIN received in the validation message. - View Dependent Claims (7, 8)
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9. A system, comprising:
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an issuer system that receives an authorization request for a transaction initiated by a user and transmits a verification request to a mobile application on a mobile device of the user, wherein the issuer system receives the authorization request from a merchant via an authorization network and wherein the issuer system transmits the verification request to the mobile application via a network; a mobile application on a mobile device of the user that receives the verification request, prompts the user to input a personal identifier, receives an inputted personal identifier, and communicates with a smart card of the user to verify the inputted personal identifier. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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Specification