Methods and apparatus for use in association with security parameter

• US 8,286,862 B2
• Filed: 12/28/2007
• Issued: 10/16/2012
• Est. Priority Date: 12/28/2007
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Phillips, Simon
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): JOHNSON, SONJI N
• Application Number:
  US11/966,083
• Publication Number:
  US 20090166407A1
• Time in Patent Office: 1,754 Days
• Field of Search: 235/380, 455/435.1, 340/5.31
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G07F 7/0893 the card reader reading the card in a contactless manner

Abstract

In accordance with some embodiments, a method comprises transmitting at least one signal, via a wireless interface, from an identification token issued to an account holder to a communication device issued to the account holder; receiving at least one signal from the communication device via the wireless interface; and resetting a security parameter in the identification token in response at least in part to receiving the at least one signal from the communication device. In accordance with some embodiments, apparatus comprises an identification token issued to an account holder, the identification token to transmit at least one signal, via a wireless interface, to a communication device issued to the account holder, to receive at least one signal from the communication device via the wireless interface, and to reset a security parameter in the identification token in response at least in part to receiving the at least one signal from the communication device.

Claims

1. A method comprising:

transmitting at least one signal, via a wireless interface, from an identification token issued to an account holder to a communication device issued to the account holder, the communication device forwarding data from the at least one signal to a remote party for determining a status of the identification token;

receiving, by the identification token, at least a second signal from the communication device via the wireless interface before the identification token becomes unusable, the at least second signal including an authorization to reset a security parameter in the identification token and received by the communication device from the remote party in response to the forwarding of the at least one signal; and

resetting, before the identification token becomes unusable, the security parameter in the identification token in response at least in part to receiving the at least second signal from the communication device.

2. The method of claim 1 wherein the security parameter comprises a security parameter based at least in part on:

a number of transactions that have been made using the identification token; and

an amount that has been spent using the identification token.

3. The method of claim 1 wherein the at least one signal transmitted from the identification token comprises at least one of:

an account number; and

a name of a person.

4. The method of claim 1 wherein the identification token comprises an identification token supported by a body of at least one of a cell phone, a wristwatch, a portable data assistant, a music player and a key fob.

5. The method of claim 1 wherein the communication device comprises a cellular telephone.

6. The method of claim 1 wherein the remote party is at least one of the following:

an issuer of the identification token; and

a party associated with an issuer of the identification token.

7. The method of claim 6 further comprising receiving a response signal from at least one of the following:

the issuer of the identification token; and

the party associated with the issuer of the identification token.

8. The method of claim 7 wherein forwarding data from the at least one signal to a remote party for determining a status of the identification token comprises:

forwarding data from the at least one signal to a remote party using at least one of the following;

a telephone line; and

a computer network.

9. The method of claim 1 wherein the communication device comprises a first communication device and the method further comprises:

transmitting at least one signal from the first communication device to a second communication device issued to the account holder.

10. The method of claim 9 wherein the first communication device comprises a dock and the second communication device comprises a cellular telephone issued to the account holder.

11. The method of claim 1 further comprising disabling use of the identification token if the security parameter does not satisfy a criteria.

12. The method of claim 1 wherein the security parameter comprises an EMV risk parameter.

13. Apparatus for use in association with a communication device issued to an account holder, the apparatus comprising:

an identification token issued to an account holder separate from the communication device, the identification token to transmit at least one signal, via a wireless interface, to the communication device issued to the account holder for forwarding data from the at least one signal to a remote party for determining a status of the identification token, to receive at least a second signal that includes an authorization to reset a security parameter in the identification token from the communication device via the wireless interface before the identification token becomes unusable, the at least second signal received by the communication device from the remote party in response to the forwarding of the at least one signal, and to reset the security parameter in the identification token before the identification token becomes unusable in response at least in part to receiving the at least second signal from the communication device.

14. The apparatus of claim 13 wherein the security parameter comprises a security parameter based at least in part on:

a number of transactions that have been made using the identification token; and

an amount that has been spent using the identification token.

15. The apparatus of claim 13 wherein the at least one signal transmitted from the identification token comprises at least one of:

an account number; and

a name of a person.

16. The apparatus of claim 13 wherein the identification token comprises an identification token supported by a body of at least one of a cell phone, a wristwatch, a portable data assistant, a music player and a key fob.

17. The apparatus of claim 13 wherein the communication device comprises a cellular telephone.

18. The apparatus of claim 13 wherein the security parameter comprises an EMV risk parameter.

19. The apparatus of claim 13 wherein the security parameter comprises a security parameter based at least in part on a number of times that the identification token has been used.