Securing RF transactions using a transactions counter

• US 7,668,750 B2
• Filed: 03/10/2004
• Issued: 02/23/2010
• Est. Priority Date: 07/10/2001
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: Xatra Fund MX LLC (Intellectual Ventures LLC)
• Inventors: Williamson, John R, Saunders, Peter D, Isenberg, Susan E, Bonalle, David S
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US10/708,545
• Publication Number:
  US 20050060233A1
• Time in Patent Office: 2,176 Days
• Field of Search: 705/16, 705/64, 235/380
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G07C 9/28 the pass enabling tracking or indicating presence
• CPC Class Codes: G07C 9/29 the pass containing active electronic elements, e.g. smartcards
• CPC Class Codes: G07F 7/1083 Counting of PIN attempts

Abstract

A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. The RFID transaction device includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions device. The counter may be incremented by any predetermined amount, which may be predefined for a particular transaction device counter. The counter value is provided to an account issuer for use in determining if the counter value has exceeded a predetermined value correlative to the maximum number of transactions which may be completed using a transaction device.

Claims

1. A method comprising:

receiving a financial transaction request from an RF transaction device at an RF reader of a merchant system, wherein said financial transaction request comprises a transactions counted value that indicates a number of financial transactions performed with said RF transaction device;

transmitting said financial transaction request to a transaction processor;

receiving a denial message from said transaction processor in response to said transactions counted value exceeding a maximum transactions value; and

denying, by said merchant system, said financial transaction request in response to said transactions counted value exceeding said maximum transactions value.

2. The method of claim 1, wherein said financial transaction request further comprises at least one of an RF transaction device authentication tag, an account issuer routing number, or an encrypted transaction device identifier.

3. The method of claim 1, further comprising transmitting an interrogation signal to said RF transaction device.

4. The method of claim 1, further comprising disabling said RF transaction device in response to said transactions counted value exceeding said maximum transactions value.

5. The method of claim 1, further comprising:

presetting said transactions counted value to an initial count value;

setting an increment value for said transactions counted value; and

setting said maximum transactions value.

6. A radio frequency identification (RFID) reader comprising:

a transponder for receiving a financial transaction request from an RF transaction device at said RFID reader associated with a merchant system, wherein said financial transaction request comprises a transactions counted value that indicates a number of financial transactions performed with said RF transaction device; and

a network device for transmitting said financial transaction request to a transaction processor, receiving a denial message from said transaction processor in response to said transactions counted value exceeding a maximum transactions value, and denying said financial transaction request in response to said transactions counted value exceeding said maximum transactions value.

7. The RFID reader of claim 6, further comprising:

means for receiving at least one of a transaction device authentication tag or an encrypted transaction device identifier from said RF transaction device; and

means for decrypting said encrypted transaction device identifier to authenticate said RF transaction device.

8. A transaction processor comprising:

means for receiving a financial transaction request at said transaction processor from an RF transaction reader, wherein said financial transaction request is initiated by an RF transaction device, and wherein said financial transaction request comprises a transactions counted value that indicates a number of financial transactions performed with said RF transaction device; and

means for denying said financial transaction request in response to said transactions counted value exceeding a maximum transactions value.

9. The transaction processor of claim 8, wherein said financial transaction request further comprises at least one of an RFID reader authentication tag, an RF transaction device authentication tag, or an encrypted transaction device identifier.

10. The transaction processor of claim 8, further comprising means for validating said RF transaction device in accordance with said RF transaction device authentication tag.

11. The transaction processor of claim 8, further comprising means for evaluating validity of said RFID reader in accordance with said RFID reader authentication tag.

12. A method comprising:

transmitting a financial transaction request from a Radio Frequency (RF) transaction device to an RFID reader, wherein said financial transaction request comprises a transactions counted value that indicates a number of financial transactions performed with said RF transaction device, wherein said financial transaction request is transmitted to a transaction processor, wherein said RFID reader receives a denial message from said transaction processor in response to said transactions counted value exceeding a maximum transactions value, and wherein said financial transaction request is denied in response to said transactions counted value exceeding said maximum transactions value; and

incrementing, at said RF transaction device, said transaction counted value.

13. The method of claim 12, further comprising incrementing said transactions counted value by a predetermined value.

14. The method of claim 12, further comprising incrementing said transactions counted value in response to at least one of receiving an interrogation signal, transmitting data, or completing an RF transaction.

15. A Radio Frequency (RF) transaction device comprising:

means for transmitting a financial transaction request from said RF transaction device to an RF Identification (RFID) reader, said financial transaction request comprising a transactions counted value that indicates a number of financial transactions performed with said RF transaction device, wherein said financial transaction request is transmitted to a transaction processor, wherein said RFID reader receives a denial message from said transaction processor in response to said transactions counted value exceeding a maximum transactions value, wherein said financial transaction request is denied in response to said transactions counted value exceeding said maximum transactions value; and

means for incrementing, at said RF transaction device, said transactions counted value.