SYSTEM AND METHOD FOR EXCHANGING DATA WITH SMART CARDS

• US 20150032635A1
• Filed: 07/23/2014
• Published: 01/29/2015
• Est. Priority Date: 07/23/2013
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: GUISE, Matthew T.
• Granted Patent: US 10,475,027 B2
• Time in Patent Office: Days
• US Class Current: 705/72
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/356 Aspects of software for card payments
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing

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.

Claims

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.

2. The system of claim 1, wherein the trusted device communicates with the smart card via near-field communications (NFC).

3. The system of claim 1, wherein the smart card is an integrated circuit card.

4. The system of claim 1, wherein the smart card is a Europay, MasterCard and Visa card.

5. The system of claim 1, wherein the management features include enabling offline updates to a personal identification number (PIN) of the smart card.

6. A system, comprising:

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.

7. The system of claim 6, wherein the network includes a payment network.

8. The system of claim 6, wherein the mobile device transmits the inputted PIN to the smart card via near-field communications (NFC).

9. A system, comprising:

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.

10. The system of claim 9, wherein the personal identifier is a personal identification number (PIN) and the inputted personal identifier is an inputted PIN.

11. The system of claim 9, wherein the mobile device includes a biometric data reader that interfaces with the mobile application, and wherein the personal identifier includes biometric data and the inputted personal identifier includes inputted biometric data.

12. The system of claim 9, wherein the mobile device transmits the inputted personal identifier to the smart card via near-field communications (NFC).

13. The system of claim 9, wherein, to verify the inputted personal identifier, the mobile application receives the personal identifier from the smart card and compares the received personal identifier to the inputted personal identifier to determine whether the received and inputted personal identifiers match.

14. The system of claim 13, wherein the issuer system receives, via the network, a verification message if there is a match and authorizes the transaction based on the received verification message.

15. The system of claim 9, wherein the authorization network and the network are the same authorization network.

16. The system of claim 14, wherein the issuer system transmits, via the authorization network, an authorization to a merchant associated with the transaction.