Media device payments remote control personalization and protection

• US 8,396,799 B2
• Filed: 05/29/2008
• Issued: 03/12/2013
• Est. Priority Date: 11/29/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hurry, Simon J.
• Primary Examiner(s): Holly, John H
• Application Number:
  US12/129,396
• Publication Number:
  US 20090144197A1
• Time in Patent Office: 1,748 Days
• Field of Search: 705/1, 705/41, 705/1.1, 705/39, 705/38, 705/44, 705/26, 705/67, 705/77, 713/170, 713/180, 713/156, 235/380, 235/492
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• 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
• CPC Class Codes: H04N 21/2542 for selling goods, e.g. TV shopping payment schemes, payment architectures or payment protocols for electronic shopping systems G06Q20/12
• CPC Class Codes: H04N 21/2543 Billing , e.g. for subscription services payment schemes, architectures or protocols G06Q20/00; e-commerce G06Q30/00; arrangements for billing for the use of broadcast information or broadcast-related information H04H60/21
• CPC Class Codes: H04N 21/4182 for identification purposes, e.g. storing user identification data, preferences, personal settings or data restricting access to computer systems by authenticating users using a predetermined code in combination with an additional device, e.g. dongle or smart card G06F21/123
• CPC Class Codes: H04N 21/42684 Client identification by a unique number or address, e.g. serial number, MAC address, socket ID network arrangements, protocols or services for addressing or naming H04L61/00
• CPC Class Codes: H04N 21/47815 Electronic shopping payment schemes, payment architectures or payment protocols for electronic shopping systems G06Q20/12

Abstract

A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. The server is further operable to produce the payment account information to a smart card personalization service server to facilitate creation of a smart card with the payment account information that is associated with the media device. The server is also operable to produce the media device ID to the smart card personalization service server to facilitate creation of a smart card with the payment account information based in part on the media device ID.

Claims

1. A payment card company server, comprising:

a memory; and

a processing module coupled to the memory, wherein the processing module is operable to;

receive, from a user, an application for establishing a user payment account, the user payment account being usable for making purchases using a media device;

process the application to generate a processed application;

communicate, when the application is approved, a user payment account identifier to a media server service provider, the user payment account identifier identifying the user payment account;

receive a device identification number of the media device; and

provide the device identification number and the user payment account information to a payment card personalization service, the payment card personalization service storing association information, on a payment card, between the user payment account and the media device.

2. The payment card company server of claim 1,

provide the processed application to a financial institution server;

and

receive an indication of approval of the application from the financial institution server.

3. The payment card company server of claim 1, wherein the processing module is further operable to determine an encryption key for encrypting a portion of data transmitted by the media device as a part of a purchase selection indication.

4. The payment card company server of claim 1, wherein the processing module is further operable to provide the device identification number and the user payment account information to a smart card personalization server such that a smart card produced by the smart card personalization server is based at least in part on the device identification number and the user payment account information.

5. The payment card company server of claim 1 wherein the processing module is further configured to:

transmit the device identification number and at least a portion of the user payment account information to a transaction authorization network to support authorization of transactions based in part upon the device identification number.

6. The payment card company server of claim 1 wherein the processing module is further configured to:

transmit the device identification number and at least a portion of the user payment account information to a settlement processing network to support settlement of transactions based, at least in part, upon the device identification number.

7. The payment card company server of claim 1, wherein the processing module is further configured to:

communicate with the media device or a smart card installed in the media device to receive the device identification number.

8. A method, comprising:

receiving, by a payment card processor server, an application for establishing a payment account for making purchases through a media device;

processing, by the payment card processor server, the application;

transmitting, by the payment card processor server, when the application has been approved, an approved application indication to at least one of a first remote server to initiate a payment card generation process and to a second remote server to initiate an order for the media device;

obtaining, by the payment card processor server, an identification number of the media device; and

creating, by the payment card processor server, an association between the payment account and the media device based on the identification number.

9. The method of claim 8, wherein processing the application further includes:

providing the application to a financial institution server; and

receiving, from the financial institution server, an indication of approval of the application, wherein the approved application indication transmitted to the first or the second remote server is based on the received indication of approval of the application from the financial institution server.

10. The method of claim 8 further including:

transmitting the identification number of the media device and the payment account information of the payment account to at least one of;

a transaction authorization network to support authorization of transactions based in part upon the identification number of the media device; and

a settlement processing network server to support settlement of transactions based in part upon the identification number of the media device.

11. The method of claim 8 further including:

transmitting the approved application indication and the payment account information of the payment account to a smart card personalization server.

12. The method of claim 8 further including:

transmitting the identification number of the media device to a smart card personalization server.

13. The method of claim 8 wherein the identification number comprises an unalterable hardware identifying number.

14. The method of claim 8, wherein obtaining the identification number of the media device comprises:

communicating with the media device and a smart card installed in the media device to receive the identification number.

15. A system comprising:

a payment card processing server configured to receive a request from a user for opening a payment account; and

a financial institution server configured to;

receive the request for opening the payment account;

determine whether to approve or deny opening of the payment account;

communicate payment account information to a payment card personalization service server if the request for opening the payment account is approved;

communicate approval of the payment account to the payment card processing server;

receive an identification number associated with a user media device and communicate the identification number to the payment card personalization service server;

wherein the payment card personalization service server is configured to;

generate a payment card; and

associate the payment card with the user media device using the identification number.

16. The system of claim 15 wherein the payment card processing server is further configured to send a notification indicating approval of the payment account to a service provider associated with the user media device.

17. A non-transitory computer readable media storing instructions that when executed by a processor embedded in a computer system cause the processor to perform a method comprising:

receiving, from a user, an application for establishing a user payment account, the user payment account being usable for making purchases using a media device;

processing the application to generate a processed application;

communicating, when the application is approved, a user payment account identifier to a media server service provider, the user payment account identifier identifying the user payment account;

receiving a device identification number of the media device; and

providing the device identification number and the user payment account information to a payment card personalization service, the payment card personalization service storing association information, on a payment card, between the user payment account and the media device.