EMV transactions in mobile terminals

• US 7,357,309 B2
• Filed: 06/22/2004
• Issued: 04/15/2008
• Est. Priority Date: 01/16/2004
• Status: Active Grant

• Current Assignee: Telefonaktiebolaget LM Ericsson
• Original Assignee: Telefonaktiebolaget LM Ericsson
• Inventors: Dutta, Santanu, Ghosh, Angana
• Primary Examiner(s): PAIK, STEVEN SANGYUL
• Application Number:
  US10/874,903
• Publication Number:
  US 20050156026A1
• Time in Patent Office: 1,393 Days
• Field of Search: 235/441, 235/380, 235/451, 23547201-47202, 23546245- 46, 235/449, 235/492, 235/379, 705/41, 705/76, 705/26
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/4033 Local solvency checks
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A mobile terminal is enabled to conduct an EMV transaction. A wireless access node in the EMV card-reader terminal is provided for connecting a mobile terminal to the card-reader terminal. An EMV-proxy module executing in the card-reader terminal facilitates communication between the mobile terminal and the card-reader terminal. The EMV-proxy module lets the mobile terminal function in essentially the same way as a regular EMV chip card with respect to the card-reader terminal. The card-reader terminal may then conduct EMV transactions on behalf of the mobile terminal without requiring new software and/or hardware at the EMV issuer. EMV data is stored in the mobile terminal in the form of secure dynamic data objects. This Abstract is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. 37 CFR 1.72(b).

Claims

1. A method of conducting an electronic transaction between a mobile terminal and a remote party using a card-reader terminal, comprising:

hosting a proxy module in the card-reader terminal to act on behalf of the mobile terminal;

establishing a wireless connection between the mobile terminal and the proxy module;

authenticating a user of the mobile terminal to the proxy module; and

conducting an electronic transaction between the mobile terminal and the remote party using said proxy module as an intermediary.

2. The method according to claim 1, wherein the electronic transaction is a Europay, Mastercard, and Visa (EMV) transaction.

3. The method according to claim 1, where in the step of authenticating a user to the proxy module involves executing one or more Mobile electronic Transaction (MeT) authentication functions.

4. The method according to claim 1, further comprising setting up symmetric keys for the mobile terminal to be used in transferring transaction data between the mobile terminal and the card-reader terminal.

5. The method according to claim 4, wherein transferring the transaction data comprises transferring secure dynamic data objects.

6. The method according to claim 5, wherein the secure dynamic data objects include Mobile electronic Transaction (MeT) tickets.

7. The method according to claim 5, further comprising updating the secure dynamic data objects upon completion of the electronic transaction.

8. The method according to claim 1, wherein the step of establishing a wireless connection comprises establishing a Bluetooth wireless connection.

9. The method according to claim 1 wherein the remote party comprises a financial institution, and wherein no changes were made at the financial institution to accommodate the mobile terminal.

10. A card-reader terminal configured to conduct an electronic transaction between a mobile terminal and a remote party, said card-reader terminal comprising:

a wireless access node for establishing a wireless connection between the mobile terminal and the card-reader terminal; and

a proxy module configured to authenticate a user of the mobile terminal and further configured to operate as an intermediary between the mobile terminal and the remote party to conduct the electronic transaction.

11. The card-reader according to claim 10, wherein the electronic transaction is a Europay, Mastercard, and Visa (EMV) transaction.

12. The card-reader according to claim 10, wherein the proxy module authenticates the user by executing one or more Mobile electronic Transaction (MeT) authentication functions.

13. The card-reader according to claim 10, wherein the proxy module is further configured to transfer secure dynamic data objects between the mobile terminal and the card-reader terminal, wherein the proxy module conducts the electronic transaction based on the secure dynamic data objects.

14. The card-reader according to claim 13, wherein the proxy module transfers secure dynamic objects by transferring Mobile electronic Transaction (MeT) tickets.

15. The card-reader according to claim 14, wherein the proxy module is further configured to update the secure dynamic data objects upon completion of the electronic transaction.

16. The card-reader according to claim 10, wherein the wireless access node comprises a Bluetooth wireless access node.

17. The card-reader according to claim 10, wherein the remote party comprises a remote financial institution, the card reader terminal further configured to execute computer readable code configured to connect the proxy module to the financial institution on behalf of the mobile terminal.

18. The card-reader according to claim 17, wherein no changes were made at the financial institution to accommodate the mobile terminal.