Methods for performing transactions in a wireless environment

• US 7,792,759 B2
• Filed: 07/28/2003
• Issued: 09/07/2010
• Est. Priority Date: 07/29/2002
• Status: Active Grant

• Current Assignee: EMV Company LLC
• Original Assignee: EMV Company LLC
• Inventors: Van de Velde, Eddy Lodewijk Hortensia, Smets, Patrik, Hill, Trudy, Sahota, Jagdeep Singh, Oppenlander, Carole
• Primary Examiner(s): Augustin; Evens J
• Assistant Examiner(s): Kamal; Shahid
• Application Number:
  US10/628,702
• Publication Number:
  US 20040068472A1
• Time in Patent Office: 2,598 Days
• Field of Search: 705/67, 705/44, 705/51, 705/59, 705/60, 380/51, 713/200, 713/201
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3674 involving authentication
• 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: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A method of performing a transaction over a contactless interface placing a first device in wireless communication with a second device, selecting the interface over which the first and second device will communicate, selecting the application to be used to approve or disapprove the transaction, communicating to the second device the data necessary for the application to approve of disapprove the transaction.

Claims

1. A method of performing a transaction comprising:

placing a first device in wireless communication with a second device;

selecting an application deployed on the first device which will be utilized to conduct the transaction, wherein the application selected is supported by the second device;

determining transaction processing capabilities supported by the second device;

communicating application data from the first device to the second device, wherein the application data is selected in response to the transaction processing capabilities; and

processing the application data as required by the application to approve or disapprove the transaction.

2. The method of claim 1 wherein the first device is an integrated circuit card.

3. The method of claim 2 wherein said integrated circuit card comprises an antenna for communicating with the second device over a wireless interface.

4. The method of claim 1 wherein the first device is a cellular telephone.

5. The method of claim 1 wherein the first device is a personal digital assistant.

6. The method of claim 1 wherein the first device comprises:

means for storing application data; and

means for communicating with the second device over a wireless interface.

7. The method of claim 1 wherein the second device comprises:

a reader for receiving data from the first device over a wireless interface.

8. The method of claim 1 wherein the second device comprises:

a point of sale terminal.

9. The method of claim 1 wherein the second device comprises a hardware security key.

10. The method of claim 1 wherein the first device communicates with the second device by radio frequency.

11. The method of claim 1 wherein the first device communicates with the second device by infrared communication.

12. The method of claim 1 wherein the first device communicates with the second device by laser communication.

13. The method of claim 1 wherein the step of determining transaction processing capabilities comprises:

informing the first device of the application selected for use in performing the transaction;

communicating a request from the fist device to the second device wherein said request seeks data on the capability of the second device to perform particular transaction types; and

communicating the transaction processing capabilities from the second device to the first device.

14. The method of claim 1 wherein the application data comprises security data.

15. The method of claim 14 wherein the security data comprises data for static data authentication.

16. The method of claim 14 wherein the security data comprises data for dynamic data authentication.

17. The method of claim 1 wherein the step of processing the application data occurs offline.

18. The method of claim 1 wherein the step of selecting the application comprises:

transmitting from the first device to the second device a list comprising;

applications supported by the first device; and

a priority indicator for each application, wherein the priority indicator indicates the preference that the associated application will be selected for use in performing the transaction;

comparing the applications supported by the first device with the applications supported by the second device; and

selecting the application mutually supported by the first device and the second device with the highest priority indicator as the application for use in approving or disapproving the transaction.

19. The method of claim 1 wherein the step of selecting the application comprises:

transmitting from the first device to the second device data identifying the applications supported by the first device;

comparing the applications supported by the first device with the applications supported by the second device;

displaying applications mutually supported by the first device and the second device to a user of the first device; and

selecting the application to be used to approve or disapprove the transaction, wherein such selection is performed by the user of the first device.

20. The method of claim 1 wherein the second device is informed of the application data format prior to receiving the application data.

21. The method of claim 1 wherein the second device determines the application data format by parsing the application data for an indicator.

22. The method of claim 21 wherein the presence of the indicator informs the second device the application data is formatted for magnetic stripe transactions.

23. The method of claim 21 wherein the absence of the indicator informs the second device the application data is formatted for magnetic stripe transactions.

24. A method for selecting an application for use in approving or disapproving a transaction over a wireless interface comprising:

transmitting the applications supported by a first device to a second device in wireless communication with the first device;

comparing the applications supported by the first device to applications supported by the second device;

displaying on the second device the mutually supported applications to a user of the first device;

selecting a desired application from the mutually supported applications displayed on the second device, wherein such selection is performed by the user of the first device;

communicating the desired application from the second device to the first device; and

communicating from the first device to the second device data necessary for the desired applications to approve or disapprove the transaction.

25. The method of claim 24 wherein the first device is an integrated circuit card.

26. The method of claim 25 wherein said integrated circuit card comprises an antenna for communicating with the second device over a wireless interface.

27. The method of claim 24 wherein the first device is a cellular telephone.

28. The method of claim 24 wherein the first device is a personal digital assistant.

29. The method of claim 24 wherein the first device comprises:

means for storing application data; and

means for communicating with the second device over a wireless interface.

30. The method of claim 24 wherein the second device comprises:

a reader for receiving data from the first device over a wireless interface.

31. The method of claim 24 wherein the second device comprises:

a point of sale terminal.

32. The method of claim 24 wherein the second device comprises a hardware security key.

33. The method of claim 24 wherein the first device communicates with the second device by radio frequency.

34. The method of claim 24 wherein the first device communicates with the second device by infrared communication.

35. The method of claim 24 wherein the first device communicates with the second device by laser communication.