RF payment via a mobile device

• US 7,493,288 B2
• Filed: 10/15/2004
• Issued: 02/17/2009
• Est. Priority Date: 07/10/2001
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: Xatra Fund MX LLC (Intellectual Ventures LLC)
• Inventors: Saunders, Peter D, Biship, Fred
• Primary Examiner(s): Elisca, Pierre E
• Application Number:
  US10/711,965
• Publication Number:
  US 20060074698A1
• Time in Patent Office: 1,586 Days
• Field of Search: 705/50, 705/51
• US Class Current: 705/50
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 20/347 Passive cards
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0833 Card having specific functional components
• 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 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

Abstract

A process for providing an RF module configured to convert a nontraditional transaction device for traditional transaction completion is disclosed. The RF module is placed in physical and logical communication with a microprocessor of a nontraditional transaction device for providing user account information to the microprocessor and for receiving data from a RFID reader, kiosk or personal computer. The microprocessor is configured to activate operation of the RF module prior to transaction processing. The RF module may also receive secondary identification information, such as, a PIN, voice recognition data or biometric data for secondary end user authentication. The RF module may also transmit user account data for transaction processing using a USB interface of the nontraditional transaction device.

Claims

1. A method for facilitating a mobile device payment transaction at a Radio Frequency (RF) reader, comprising:

receiving an authentication transmission comprising an encrypted authentication code and a RF ID code;

reading a decryption key associated with the RF ID code;

using the decryption key to decrypt the encrypted authentication code;

verifying the authentication transmission;

receiving mobile device account data;

receiving a mobile device secondary identification as at least one of voice recognition data, biometric recognition data and alphanumeric data; and

processing the mobile device account data to complete the mobile device payment transaction.

2. The method according to claim 1, wherein the receiving of the mobile device account data comprises receiving the mobile device account data subsequent to the receiving of the mobile device secondary identification.

3. The method of claim 2, comprising receiving the mobile device account data via a mobile device universal serial bus (USB).

4. The method of claim 3, comprising receiving the mobile device account data via an interface configured to be in communication with the mobile device USB.

5. The method of claim 1, further comprising transmitting a mobile device activation signal.

6. The method of claim 5, wherein the transmitting of the mobile device activation signal occurs prior to the processing of the mobile device account data to complete the mobile device payment transaction.

7. The method according to claim 1, wherein the RF ID code comprises a RF unique ID code, wherein the decryption key comprises a unique decryption key associated with the RF unique ID code, and wherein the using of the decryption key to decrypt the encrypted authentication code comprises using the unique decryption key to decrypt the encrypted authentication code.

8. A mobile payment device, comprising:

an RF module configured for electrical communication with a mobile device microprocessor;

an account data database, located in the RF module, comprising a transaction application, wherein the transaction application comprises a first mobile device authentication routine, a second mobile device authentication routine, and an account data transmission routine configured to be responsive to the second mobile device authentication routine;

a secondary authentication user interface configured to receive a secondary identification code, wherein the second mobile device authentication routine is configured to be responsive to the secondary authentication user interface; and

an account data RF transponder configured to transmit the secondary identification code.

9. The mobile payment device of claim 8, wherein the RF module is configured for communication with the mobile device microprocessor.

10. The mobile payment device of claim 8, further comprising an account data USB port.

11. The mobile payment device of claim 8, wherein the mobile payment device is configured to be a nontraditional transaction device.

12. The mobile payment device of claim 8, wherein the secondary authentication user interface comprises a biometric authentication user interface.

13. The mobile payment device of claim 8, wherein the RF module further comprises a mobile device electrical connector configured to facilitate communication between the RF module and the mobile device microprocessor.

14. The mobile payment device of claim 13, wherein the mobile device electrical connector is configured to accept a subscriber identity module (SIM).

15. The mobile payment device of claim 8, wherein the RF module is configured to comply with International Standards Organization ISO/IEC 14443.

16. A computer-readable storage medium containing a set of instructions for a general purpose computer configured for:

receiving user account data from a transaction application stored on a RF module;

communicating between the RE module and a mobile device microprocessor;

receiving a secondary end-user authentication identification via a mobile device user interface in the form of at least one of voice recognition data, biometric recognition data and alphanumeric data;

providing the secondary end-user authentication identification to the mobile device microprocessor;

transmitting the secondary end-user authentication identification via a RF transponder; and

processing the user account data to complete a transaction.

17. The computer-readable storage medium of claim 16 containing a set of instructions for a general purpose computer configured for:

authenticating the secondary end-user authentication identification; and

receiving the user account data after the authenticating of the secondary end-user authentication identification.

18. The computer-readable storage medium of claim 16 containing a set of instructions for a general purpose computer configured for receiving the user account data from the RF module via a mobile device universal serial bus (USB), the mobile device USB configured to be in communication with the RE module via the mobile device microprocessor.

19. The computer-readable storage medium of claim 16 containing a set of instructions for a general purpose computer configured for activating the RF module before the receiving of the user account data from the RF module.

20. The computer-readable storage medium of claim 16 containing a set of instructions for a general purpose computer configured for receiving an RF module activation signal from the mobile device user interface.