System and method for payment using radio frequency identification in contact and contactless transactions
First Claim
1. A transponder-reader payment system comprising:
- a Radio Frequency Identification (RFID) reader configured to provide a first radio frequency (RF) interrogation signal for powering a transponder system, to receive a transponder system RF signal, and to communicate transponder system account data related to said transponder system RF signal to a merchant system, said RFID reader including,a first interrogator for providing said first RF interrogation signal;
an RFID reader authentication circuit in communication with said first interrogator for authenticating said transponder system RF signal;
an RFID reader database for storing RFID reader data, said RFID reader database in communication with said RFID reader authentication circuit;
an RFID reader protocol/sequence controller in communication with at least one of said first interrogator, said RFID reader authentication circuit, and said RFID reader database, said RFID reader protocol/sequence controller configured to facilitate control of an order of operation of said first interrogator, said RFID reader authentication circuit, and said RFID reader database; and
an RFID reader communications interface configured to communicate with said merchant system, said RFID reader communications interface configured to provide said transponder system account data,wherein said transponder system is configured to receive said first RF interrogation signal, to authenticate said first RF interrogation signal, and to transmit said transponder system account data, said transponder system further comprising;
a first transponder responsive to said first RF interrogation signal;
a transponder system authentication circuit in communication with said first transponder, said transponder system authentication circuit configured to authenticate said first RF interrogation signal;
a transponder system database for storing said transponder system account data, said transponder system database in communication with said transponder system authentication circuit; and
a transponder system protocol/sequence controller in communication with at least one of said first transponder, said transponder system authentication circuit, and said transponder system database, said transponder system protocol/sequence controller configured to control the order of operation of said first transponder, said transponder system authentication circuit, and said transponder system database,wherein said transponder system protocol/sequence controller is configured to activate said transponder system authentication circuit in response to said first RF interrogation signal having an RFID reader authentication code, said transponder system authentication circuit configured to encrypt said RFID reader authentication code to provide an encrypted RFID reader authentication code, said transponder system authentication circuit configured to provide said encrypted RFID reader authentication code to said first transponder for providing to said RFID reader,wherein said RFID reader is configured to receive said encrypted RFID reader authentication code, and wherein said RFID reader protocol/sequence controller is configured to activate said RFID reader authentication circuit in response to said encrypted RFID reader authentication code,wherein said RFID reader database is configured to provide a transponder system decryption security key to said RFID reader authentication circuit in response to said encrypted RFID reader authentication code, said transponder system decryption security key for use in decrypting said encrypted RFID reader authentication code to form a decrypted RFID reader authentication code, said transponder system decryption security key provided to said RFID reader based on an unique transponder identification code,wherein said RFID reader authentication circuit is configured to compare said decrypted RFID reader authentication code and said RFID reader authentication code to determine whether a match exists, andwherein said RFID reader protocol/sequence controller is configured to activate said RFID reader communications interface where said RFID reader authentication circuit matches said decrypted RFID reader authentication code and said RFID reader authentication code.
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Accused Products
Abstract
A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
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Citations
12 Claims
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1. A transponder-reader payment system comprising:
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a Radio Frequency Identification (RFID) reader configured to provide a first radio frequency (RF) interrogation signal for powering a transponder system, to receive a transponder system RF signal, and to communicate transponder system account data related to said transponder system RF signal to a merchant system, said RFID reader including, a first interrogator for providing said first RF interrogation signal; an RFID reader authentication circuit in communication with said first interrogator for authenticating said transponder system RF signal; an RFID reader database for storing RFID reader data, said RFID reader database in communication with said RFID reader authentication circuit; an RFID reader protocol/sequence controller in communication with at least one of said first interrogator, said RFID reader authentication circuit, and said RFID reader database, said RFID reader protocol/sequence controller configured to facilitate control of an order of operation of said first interrogator, said RFID reader authentication circuit, and said RFID reader database; and an RFID reader communications interface configured to communicate with said merchant system, said RFID reader communications interface configured to provide said transponder system account data, wherein said transponder system is configured to receive said first RF interrogation signal, to authenticate said first RF interrogation signal, and to transmit said transponder system account data, said transponder system further comprising; a first transponder responsive to said first RF interrogation signal; a transponder system authentication circuit in communication with said first transponder, said transponder system authentication circuit configured to authenticate said first RF interrogation signal; a transponder system database for storing said transponder system account data, said transponder system database in communication with said transponder system authentication circuit; and a transponder system protocol/sequence controller in communication with at least one of said first transponder, said transponder system authentication circuit, and said transponder system database, said transponder system protocol/sequence controller configured to control the order of operation of said first transponder, said transponder system authentication circuit, and said transponder system database, wherein said transponder system protocol/sequence controller is configured to activate said transponder system authentication circuit in response to said first RF interrogation signal having an RFID reader authentication code, said transponder system authentication circuit configured to encrypt said RFID reader authentication code to provide an encrypted RFID reader authentication code, said transponder system authentication circuit configured to provide said encrypted RFID reader authentication code to said first transponder for providing to said RFID reader, wherein said RFID reader is configured to receive said encrypted RFID reader authentication code, and wherein said RFID reader protocol/sequence controller is configured to activate said RFID reader authentication circuit in response to said encrypted RFID reader authentication code, wherein said RFID reader database is configured to provide a transponder system decryption security key to said RFID reader authentication circuit in response to said encrypted RFID reader authentication code, said transponder system decryption security key for use in decrypting said encrypted RFID reader authentication code to form a decrypted RFID reader authentication code, said transponder system decryption security key provided to said RFID reader based on an unique transponder identification code, wherein said RFID reader authentication circuit is configured to compare said decrypted RFID reader authentication code and said RFID reader authentication code to determine whether a match exists, and wherein said RFID reader protocol/sequence controller is configured to activate said RFID reader communications interface where said RFID reader authentication circuit matches said decrypted RFID reader authentication code and said RFID reader authentication code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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Specification