Converting account data associated with a radio frequency device
First Claim
Patent Images
1. A method comprising:
- receiving, at a Radio Frequency (RF) reader, a reader authentication signal and an encrypted transponder device authentication signal from an RF transponder device, wherein the RF reader communicates with a Point of Sale (POS) device that, in a first state, utilizes a first account format for processing a first type of transaction request under a business as usual standard, and wherein the POS device, in a second state, utilizes a third party server for processing a second type of transaction request in a second account format;
encrypting the reader authentication signal with a reader encryption key to facilitate authentication of the RF reader;
decrypting the encrypted transponder device authentication signal with a transponder device encryption key, wherein the transponder device encryption key corresponds to a transponder device identification code received from the RF transponder device, and wherein the decrypting the encrypted transponder device authentication signal facilitates authentication of the RF transponder device;
receiving, at the RF reader, encrypted account data from the RF transponder device in response to the authentication of the RF reader and the authentication of the RF transponder device, wherein the encrypted account data is stored on the RF transponder device in accordance with the second account format;
decrypting the encrypted account data with a transponder device account data key to create decrypted account data in the second account format;
converting at least a portion of the decrypted account data in the second account format into a POS account code in the first account format; and
forwarding the POS account code in the first account format to the POS device in the first state for processing under the business as usual standard without using the third party server.
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Accused Products
Abstract
A transponder-reader transaction completion system includes a Radio Frequency (RF) operable reader for interrogating a RF operable transaction device via RF communication, wherein the transaction device is operable to provide an account number in ISO/IEC 7816 magnetic stripe Track1/Track 2 format to the RF reader via RF communication. The RF reader is additionally operable to provide an account number in ISO/IEC 7816 magnetic stripe Track1/Track 2 format to a merchant system for use in transaction completion.
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Citations
25 Claims
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1. A method comprising:
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receiving, at a Radio Frequency (RF) reader, a reader authentication signal and an encrypted transponder device authentication signal from an RF transponder device, wherein the RF reader communicates with a Point of Sale (POS) device that, in a first state, utilizes a first account format for processing a first type of transaction request under a business as usual standard, and wherein the POS device, in a second state, utilizes a third party server for processing a second type of transaction request in a second account format; encrypting the reader authentication signal with a reader encryption key to facilitate authentication of the RF reader; decrypting the encrypted transponder device authentication signal with a transponder device encryption key, wherein the transponder device encryption key corresponds to a transponder device identification code received from the RF transponder device, and wherein the decrypting the encrypted transponder device authentication signal facilitates authentication of the RF transponder device; receiving, at the RF reader, encrypted account data from the RF transponder device in response to the authentication of the RF reader and the authentication of the RF transponder device, wherein the encrypted account data is stored on the RF transponder device in accordance with the second account format; decrypting the encrypted account data with a transponder device account data key to create decrypted account data in the second account format; converting at least a portion of the decrypted account data in the second account format into a POS account code in the first account format; and forwarding the POS account code in the first account format to the POS device in the first state for processing under the business as usual standard without using the third party server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising:
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receiving, at a Radio Frequency (RF) transponder device, a transponder device authentication signal and an encrypted reader authentication signal from an RF reader, which communicates with a Point of Sale (POS) device that, in a first state, utilizes a first account format for processing a first type of transaction request under a business as usual standard, and wherein the POS device, in a second state, utilizes a third party server for processing a second type of transaction request in a second account format; encrypting the transponder device authentication signal with a transponder device encryption key to facilitate authentication of the RF transponder device; decrypting the encrypted reader authentication signal with a reader encryption key, wherein the reader encryption key corresponds to a reader identification code received from the RF reader, and wherein the decrypting the encrypted reader authentication signal facilitates authentication of the RF reader; retrieving encrypted account data in response to the authentication of the RF transponder device and the authentication of the RF reader, wherein the encrypted account data is stored on the RF transponder device in accordance with the second account format; and transmitting the encrypted account data to the RF reader in response to the authentication of the RF transponder device and the authentication of the RF reader, wherein the RF reader decrypts the encrypted account data with a transponder device account data key to create decrypted account data in the second account format, wherein the RF reader converts at least a portion of the decrypted account data into a POS account code in the first account format, and wherein the RF reader forwards the POS account code in the first account format to the POS device in the first state for processing under the business as usual standard without using the third party server. - View Dependent Claims (12, 13, 14, 15)
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16. A Radio Frequency (RF) reader comprising:
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a communications device configured to receive a reader authentication signal and an encrypted transponder device authentication signal from a Radio Frequency (RF) transponder device, wherein the RF reader is configured to communicate with a Point of Sale (POS) device which, in a first state, is configured to utilize a first account format for processing a first type of transaction request under a business as usual standard, and wherein the POS device, in a second state, is configured to utilize a third party server for processing a second type of transaction request in a second account format; an authentication circuit configured to encrypt the reader authentication signal with a reader encryption key to facilitate authentication of the RF reader; a protocol/sequence controller configured to instruct the authentication circuit to decrypt the encrypted device authentication signal with a transponder device encryption key, wherein the transponder device encryption key corresponds to a transponder device identification code received from the RF transponder device, wherein decrypting the encrypted transponder device authentication signal is configured to facilitate authentication of the RF transponder device, and wherein the communications device is further configured to receive encrypted account data from the RF transponder device in response to the authentication of the RF reader and the authentication of the RF transponder device; a reader database configured to store a transponder device account data key; and a decryption component configured to retrieve the transponder device account data key from the reader database and decrypt the encrypted account data with the transponder device account data key to create decrypted account data in the second account format, wherein the decryption component is further configured to convert at least a portion of the decrypted account data in the second account format into a POS account code in the first account format; wherein the RF reader is configured to forward the POS account code in the first account format to the POS device in the first state for processing under the business as usual standard without using the third party server. - View Dependent Claims (17, 18, 19, 25)
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20. A Radio Frequency (RF) transponder device comprising:
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a communications device configured to receive a transponder device authentication signal and an encrypted reader authentication signal from an RF reader, wherein the RF reader is configured to communicate with a Point of Sale (POS) device which, in a first state, is configured to utilize a first account format for processing a first type of transaction request under a business as usual standard, and wherein the POS device, in a second state, is configured to utilize a third party server for processing a second type of transaction request in a second account format; an authentication circuit configured to encrypt the transponder device authentication signal with a transponder device encryption key to facilitate authentication of the RF transponder device; a protocol sequence controller configured to instruct the authentication circuit to decrypt the encrypted reader authentication signal with a reader encryption key, wherein the reader encryption key corresponds to a reader identification code received from the RF reader, and wherein the decrypting the encrypted reader authentication signal is configured to facilitate authentication of the RF reader; and a transponder device database configured to store encrypted account data, wherein the protocol sequence controller is further configured to retrieve the encrypted account data from the transponder device database in response to the authentication of the RF transponder device and the authentication of the RF reader; wherein the communications device is further configured to transmit the encrypted account data to the RF reader in response to the authentication of the RF transponder device and the authentication of the RF reader, wherein the encrypted account data is configured to be stored in the RF transponder device in accordance with the second account format; and wherein the RF reader is configured to decrypt the encrypted account data with a transponder device account data key to create decrypted account data in the second account format, wherein the RF reader is further configured to convert at least a portion of the decrypted account data into a POS account code in the first format, and wherein the RF reader is configured to forward the POS account code in the first format to the POS device in the first state for processing under the business as usual standard without using the third party server. - View Dependent Claims (21, 22, 23, 24)
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Specification