SYSTEM INCORPORATING WIRELESS SHARE PROCESS

• US 20150278799A1
• Filed: 03/27/2015
• Published: 10/01/2015
• Est. Priority Date: 03/27/2014
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Karthikeyan Palanisamy
• Inventors: PALANISAMY, KARTHIKEYAN
• Application Number:
  US14/671,486
• Publication Number:
  US 20150278799A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: H04L 63/166 at the transport layer
• CPC Class Codes: H04L 67/06 specially adapted for file transfer, e.g. file transfer protocol [FTP]
• CPC Class Codes: H04W 12/02 Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII]
• CPC Class Codes: H04W 12/50 Secure pairing of devices
• CPC Class Codes: H04W 8/005 Discovery of network devices, e.g. terminals
• CPC Class Codes: H04W 84/18 Self-organising networks, e.g. ad-hoc networks or sensor networks

Abstract

Systems and methods for facilitating a user transaction are provided. A communication device may select an access device from a plurality of access devices. The communication device may establish a secure connection to the access device using a secure file transfer protocol supported by a wireless data protocol. The communication device may transmit a payment credential from the communication device to the access device using the secure file transfer protocol. The access device may broadcast a communication indicating connection readiness using the wireless data protocol. In response to receiving a request from the communication device, the access device may establish a secure connection with the communication device using the secure file transfer protocol. The access device may receive a payment credential via the secure file transfer protocol.

Claims

1. A method for facilitating a user transaction, comprising:

selecting, via a communication device, an access device;

establishing, via the communication device, a secure connection to the access device using a secure file transfer protocol supported by a wireless data protocol; and

transmitting, via the communication device, a payment credential from the communication device to the access device using the secure file transfer protocol.

2. The method of claim 1, wherein the secure file transfer protocol is an ad-hoc service supporting transport layer security (TLS).

3. The method of claim 1, wherein the secure file transfer protocol is a device manufacturer specific protocol supporting transport layer security (TLS).

4. The method of claim 1, wherein the payment credential is a payment token.

5. The method of claim 4, further comprising:

generating a hash value using a hashing algorithm and a user password; and

encrypting, by the communication device, the payment token using the hash value generated from a user password.

6. A communication device comprising:

a processor;

and a computer readable medium coupled the processor, the computer readable medium comprising code, executable by the processor, for implementing a method comprising

selecting an access device;

establishing a secure connection to the access device using a secure file transfer protocol supported by a wireless data protocol; and

transmitting a payment credential from the communication device to the access device using the secure file transfer protocol.

7. The communication device of claim 6, wherein the secure file transfer protocol is an ad-hoc service supporting transport layer security (TLS).

8. The communication device of claim 6, wherein the secure file transfer protocol is a device manufacturer specific protocol supporting transport layer security (TLS).

9. The communication device of claim 6, wherein the payment credential is a payment token.

10. The communication device of claim 9, wherein the method further comprises:

generating a hash value using a hashing algorithm and a user password; and

encrypting, by the communication device, the payment token using the hash value generated from a user password.

11. A method for facilitating a user transaction, comprising:

broadcasting, via an access device, a communication indicating connection readiness using a wireless data protocol;

in response to a request from the communication device, establishing, via the access device, a secure connection to the communication device using a secure file transfer protocol supported by the wireless data protocol; and

receiving, via the access device and from the communication device, a payment credential via the secure file transfer protocol.

12. The method of claim 11, wherein the secure file transfer protocol is an ad-hoc service supporting transport layer security (TLS).

13. The method of claim 11, wherein the secure file transfer protocol is a device manufacturer specific protocol supporting transport layer security (TLS).

14. The method of claim 11, wherein the payment credential is a payment token.

15. The method of claim 14, wherein the token is encrypted using a hash value generated from a user password associated with a digital wallet application on the communication device.

16. An access device comprising:

a processor, and

a computer readable medium coupled the processor, the computer readable medium comprising code, executable by the processor, for implementing a method comprising

broadcasting, via the access device, a communication indicating connection readiness using a wireless data protocol,

in response to a request from a communication device, establishing, via the access device, a secure connection to the communication device using a secure file transfer protocol supported by the wireless data protocol, and

receiving, via the access device and from the communication device, a payment credential via the secure file transfer protocol.

17. The access device of claim 16, wherein the secure file transfer protocol is an ad-hoc service supporting transport layer security (TLS).

18. The access device of claim 16, wherein the secure file transfer protocol is a device manufacturer specific protocol supporting transport layer security (TLS).

19. The access device of claim 16, wherein the payment credential is a token.

20. The access device of claim 19, wherein the token is encrypted using a hash value generated from a user password associated with a digital wallet application on the communication device.